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Generally, a smooth resale transaction takes about 6 to 8 weeks to complete from the date of the First Appointment.

Here are some things you need to keep in mind:

Estimated time taken to complete the purchase

The time taken to complete the purchase depends on several factors:

  • Eligibility of both buyers and sellers
  • Mortgage housing loan obtained by buyers
  • Withdrawal of CPF money for buyers and refund of CPF money for sellers
  • Liaison with solicitors (if applicable)

Power of Attorney

You and all the buyers for the resale flat must personally attend 2 appointments at HDB. If you are unable to do so, you will need a Power of Attorney.

Your attorney has to submit 2 copies of the Power of Attorney certified by a solicitor when he or she attends the First Appointment for the purchase of the resale flat.

A Power of Attorney is a legal document that allows you to appoint another person to act on your behalf and in your name on matters spelt out in the Power of Attorney. Your attorney, (that is, the person appointed to act for you), can attend the First Appointment and the Completion Appointment on your behalf.

To prepare the Power of Attorney, you must consult a private solicitor.

If you are going overseas, get the Power of Attorney done up before you leave the country. The Power of Attorney has to be prepared by your solicitor and signed by you in the presence of your solicitor.

If you are already overseas, The Power of Attorney has to be prepared by your solicitor and signed by you in the presence of a Notary Public*, Singapore High Commissioner, or a Singapore Ambassador in the country of your stay.

Your solicitor has to register the signed Power of Attorney with the Singapore High Court Registry.

*With effect from 1 Mar 2017, if you are using CPF monies to buy a flat, the CPF Board does not accept PoAs witnessed by overseas Notary Publics. The PoA must be witnessed and sealed/ stamped by an official from a Singapore Overseas Mission instead. You may visit the Ministry of Foreign Affairs' website for more details on the nearest Singapore Overseas Mission.

Important Notes:

These documents must be signed by you, not your attorney:

  • Resale Checklist for Buyers
  • Application form
  • Statutory declarations (you must sign in the presence of a Commissioner of Oaths or Notary Public)
  • Undertakings

Obtain vacant possession of flat upon resale completion

As the flat buyer, you can move into your flat on the date the purchase transaction is completed. You are not allowed to move into the flat before the completion of the purchase of the flat, as you are not the flat owner yet.

If the sellers need more time to vacate the flat, they can arrange with you to extend their stay temporarily in the flat for up to 3 months after the legal completion of the resale transaction. They must have committed to buy a completed housing unit in Singapore, such as another HDB flat or private residential property.