# data[].attributes.body
managed to sustain stable employment and income for the past 12 months

# data[].attributes.body
they have stable income and employment, they are motivated to remain in employment

# data[].attributes.body
stable income, motivation and commitment to work towards savings goals of homeownership, sufficient buffer to absorb unexpected financial shocks

# data[].attributes.body
Client's motivation / goal involves housing

Stable and sustained income (so they are able to manage loans)

Client's commitment to grow savings

Client's awareness of other payments involved

# data[].attributes.body
when family has no outstanding debts/arrears, able to manage daily expenses and ready to wean off SSO financial assistance, have stable income for the past 12 months or so

# data[].attributes.body
stable employment

motivation to save and/or have savings

motivation to clear debts, or have already cleared them, or have no debts at all

knowledge that home ownership is a huge financial commitment

# data[].attributes.body
current financial wellbeing - are they able to withstand shocks? e.g. have amassed emergency savings, and continue to save each month

ratio of mortgage to income, not more than 0.3

# data[].attributes.body
Able to sustain long term employment with CPF contribution (At least 1 year. )

# data[].attributes.body
if client has a partner: relationship is assessed to be stable for long-term

# data[].attributes.headline
Check if they are ready and has stable income to take the 1st step to apply for HDB flat (e.g. applying HFE)

# data[].attributes.subject
Check if they are ready and has stable income to take the 1st step to apply for HDB flat (e.g. applying HFE)

# data[].attributes.body
having stable income and understanding the expenses that comes with owning a house (i.e., bills, maintenance).

# data[].attributes.headline
Clients are informed about the various risks and sacrifices needed of "homeownership"

# data[].attributes.subject
Clients are informed about the various risks and sacrifices needed of "homeownership"

# data[].attributes.headline
employment stability and able to sustain savings habits (for home ownership) to save up for downpayment and other initial house related expenses. Have a few months of emergency savings

# data[].attributes.subject
employment stability and able to sustain savings habits (for home ownership) to save up for downpayment and other initial house related expenses. Have a few months of emergency savings

# data[].attributes.body
client is aware/initiated conversation/has planned for the other expenses of home ownership besides the home purchase itself

# data[].attributes.body
sufficient amount in the CPF OA

more than sufficient cash savings

sustainable and consistent employment