Frequently Asked Questions
Accessing the HDB InfoWEB/ HDB Resale Portal
Q1: Which browser should be used to access the HDB InfoWEB/ HDB Resale Portal?
A1 : For optimal results, the following browsers should be used to access the HDB InfoWEB/ HDB Resale Portal:
Internet Explorer 11
(Android) Google Chrome
(Apple iOS) Safari
Q2: Do sellers and buyers need to have a SingPass for the resale transaction?
A2 : All sellers, buyers and their spouses need to have a SingPass for the resale transaction. The SingPass is required when they login to the HDB Resale Portal for the various processes of selling or buying a flat.
For those who do not have a SingPass or have forgotten their SingPass password, they may apply for a new one or reset it via the SingPass website at www.singpass.gov.sg.
For spouses who are not eligible for a SingPass, they have to contact HDB’s Customer Relations Manager to make an appointment to acknowledge the resale documents in person.
Registering Intent to Sell or Intent to Buy
Q3: Can salespersons register the Intent to Sell or Intent to Buy on behalf of the sellers or buyers?
A3 : Only sellers or buyers can register their own Intent to Sell or Intent to Buy via the HDB Resale Portal.
Q4: When should sellers register the Intent to Sell?
A4 : Sellers should register their Intent to sell before they start marketing their flat for sale. The Intent to Sell will provide a preliminary assessment of the sellers’ eligibility to sell the flat and receive information about the Ethnic Integration Policy / Singapore Permanent Resident (EIP/SPR) Quota for their block, status of upgrading, billing of upgrading costs and recent transacted prices of nearby flats.
After registering the Intent to Sell, sellers will have to wait out a 7 day cooling-off period before they can grant buyers an Option to Purchase.
Q5: When should buyers register their Intent to Buy?
A5 : Buyers should register their Intent to Buy at the HDB Resale Portal before they start sourcing for a flat to buy. After registering their Intent to Buy, buyers will receive an instant assessment on their eligibility to buy a resale flat, the CPF Housing Grants and an HDB housing loan.
Q6: Can buyers amend the information they have provided in the Intent to Buy?
A6 : After registering an Intent to Buy, buyers are not allowed to amend the information they have provided. If they wish to make changes, e.g. in the family composition, they would have to delete the Intent to Buy and register a fresh one.
Choosing Mode of Financing
Q7: For buyers who intend to take an HDB housing loan, when should they apply for an HDB Loan Eligibility (HLE) letter?
A7 : For buyers who intend to take an HDB housing loan to finance the flat purchase, they must obtain an HDB Loan Eligibility (HLE) letter before the sellers grant them an Option to Purchase.
Q8: After registering my Intent to Buy, I am guided to apply for an HDB Loan Eligibility (HLE) letter if I am getting an HDB housing loan. What if I want to get a loan from a FI? When must I have the HLE letter or FI's Letter of Offer (LO)?
A8: From 1 Jan 2018 onwards, the sellers can grant you an OTP only after you have obtained a valid HLE letter from HDB. If you intend to get a home loan from a FI, you must have a valid LO before you exercise the OTP.
Q9: For buyers who intend to use their CPF monies to finance the flat purchase, when must their CPF funds be available?
A9: Buyers who intend to use their CPF monies to purchase the resale flat must ensure that the funds are available in their CPF Ordinary Account when they submit the resale application. If the CPF funds are not available, the buyers may have to pay any shortfall in cash. Otherwise, the completion will be delayed.
Requesting for Value of Flat
Q10: Who can submit the Request for Value?
A10: Buyers or their salesperson can submit the Request for Value after they have been granted an Option to Purchase by the sellers. Salesperson can submit the Request for Value via the e-Resale e-Service or Estate Agent Toolkit.
Q11: I have submitted a Request for Value. Where can I view the status of my request?
A11: You can view the status via the HDB Resale Portal.
Submitting Resale Application
Q12: What is considered a complete resale application?
A12: Flat sellers and buyers will have to submit their portions of the resale application separately. If you are the first party who has submitted your portion of the application, you should inform the second party so that he can submit his portion within 7 days. The resale application will only be considered complete when HDB has received both portions of the resale application from flat seller and buyer.
Q13: I am the second party who is doing my submission of resale application. After keying the OTP details, an error message "The information provided by buyers and sellers are different." popped up. I am then not able to proceed with the submission of my resale application. What is the problem?
A13: The system will match the following information (Flat address, Resale Price, Option Fee, Deposit, Option Grant Date, Option Exercise Fee, OTP Serial No.) provided by the flat seller and buyer in their separate applications. Both flat seller and buyer have to provide consistent information relating to the resale transaction. If the second party receives the above error message, it means that the information provided by the second party does not tally with that provided by the first party. To proceed, please refer to the OTP that both parties have executed and check the information provided. In situation where the error is caused by the first party, you will have to inform HDB. You may contact our Customer Relations Executive at 6490 3626 (Mon - Fri from 8:30am to 5:30pm) to seek assistance for your submission of the resale application.
Q14: I am in the midst of filling up the resale application form and I realised that I do not have some of the information (such as spouse's income etc.) or documents (such as Divorce Certificate etc.) required. What can I do?
A14: There is an option to allow you to save the application as draft (Save as Draft). You may then complete the application later for submission. The draft application will be saved for two weeks.
Q15: When submitting the resale application, must all the required documents be uploaded? Can some of the documents be uploaded after the resale application is submitted?
A15: At the point of submitting the resale application, the documents required for the processing will be indicated. All the required documents must be uploaded with the resale application. If all the required documents are not submitted, the resale application cannot be processed and it will be rejected.
Q16: Whose contact number or email address should be provided in the resale application?
A16: The seller’s or buyer’s contact number and email address should be provided so that we can send them SMS/email to update on the progress of the transaction or to contact them regarding their resale application.
Q17: How can an applicant apply for the Enhanced Contra Facility?
A17: The Enhanced Contra Facility (ECF) is to facilitate the concurrent sale and purchase of resale flats. To make use of the scheme, applicants have to submit their applications for both transactions at the same time. They have to submit their request for the ECF in their flat applications. Both transactions will be completed on the same day.
To be eligible for the ECF:
- The applicants must NOT have an outstanding mortgage loan with a bank or financial institution for the flat they are selling.
- The applicants are not taking a mortgage loan from a bank or financial institution for the resale flat that they are buying.
- The applicants must appoint HDB to act for them in the sale and purchase of both flats.
Q18: How do I submit a pair of contra case via the HDB Resale Portal?
A18: For contra cases, there are 3 parties involved. Pls refer to the illustration below.
As the contra party, Mr Koh will have to submit 2 sets of application; an application to sell his flat A and an application to buy flat B. The applications will have to be submitted separately.
In both applications, Mr Koh has to indicate that he is applying for "contra" and to provide the contra flat address.
|Mr Koh must indicate "contra" in his application & addresses of the flats he is selling & buying.|
|Mr Tan & Mr Lim need NOT indicate "contra" in their applications.|
All portions of the applications (by the 3 parties) have to be submitted within 7 days.
Q19: How do I submit application to buy Two Adjoining Flats under Conversion Scheme via the HDB Resale Portal?
A19: Pls refer to the illustration below.
|Mr Koh must indicate "Buying adjoining flat under Conversion Scheme >> Two adjoining flats" in his application & key in the 2 flats addresses that he intends to buy.|
|Mr Tan & Mr Lim need NOT indicate "conversion" in their application.|
Q20: How can sellers request for a Temporary Extension of Stay?
A20: The Temporary Extension of Stay is to help sellers to transit to their new homes after they sell their flat. The buyers must agree to allow the sellers to stay temporarily in the flat after the transaction is completed. The buyers must make the request when they submit the resale application and pay a non-refundable administrative fee of $20 (inclusive of GST).
To be eligible for the Temporary Extension of Stay :
- Sellers must have committed (i.e. exercised Option to Purchase or signed Sale and Purchase Agreement) to buy a residential property (HDB flat or private property) in Singapore that is completed and ready for occupation.
- Sellers must not be renting out their flat when the resale application is submitted.
(a) The temporary Extension of stay is for a period of up to 3 months only.
(b) The sellers and buyers have to negotiate and agree on the rental, if any.
(c) The sellers have to inform HDB’s Branch when they vacate the flat.
(d) During the period of the Temporary Extension of Stay, the buyers, who is the flat owner, will have to pay the service and conservancy charges (S&CC) and will not be eligible for any rebates. They will also pay the property tax based on the residential tax rate and not the owner-occupier tax rate.
Q21: I have engaged the services of a salesperson. Can my salesperson submit the resale application on my behalf?
A21: Yes. The salespersons can continue submitting a resale application via the e-Resale e-Service or Estate Agent Toolkit (for agencies which are subscribers).
Q22: Where can I view the status of my resale application?
A22: You can view the status via the HDB Resale Portal.
Accepting Resale Application
Q23: After a resale application is submitted, when will HDB accept it?
A23: After the resale application is submitted by both sellers and buyers, HDB will verify the sellers’ and buyers’ eligibility to sell/buy the flat. If the application is in order, it should be accepted within 10 working days after it is submitted. Sellers and buyers will be notified of the acceptance via SMS/emails.
Q24: When will a resale transaction be completed?
A24: After the resale application is accepted, the completion will be scheduled 8 weeks later. Sellers and buyers will be informed of the completion date in the acceptance letter. The timing for the completion will be confirmed by HDB’s Customer Relations Manager nearer the completion date.
Q25: How can sellers and buyers monitor the progress of their resale application?
A25: Sellers and buyers can monitor the progress of their resale application by logging in to the HDB Resale Portal with their SingPass.
Q26: Can the sellers or buyers change the completion date of the transaction?
A26: As the date given in the acceptance letter is already the earliest possible date to complete the transaction, it would not be possible to advance the completion date. Nevertheless, if the sellers and buyers would like to defer the completion, please send a written confirmation signed by both the sellers and buyers agreeing to the new date to us at email@example.com, within a week from the date of the HDB’s acceptance letter.
Q27: When will HDB inspect the flat and how will the sellers be notified of the inspection?
A27: The inspection will be scheduled 5 working days after the application is accepted. If sellers wish to change the appointment, they would have to contact HDB’s Branch Service Line at 1800-2255432. The purpose of the inspection is for HDB to check whether there are any unauthorised renovation works done to the flat. The windows will also be checked to see if they comply with the Building & Construction Authority’s requirements.
Acknowledging Resale Documents by Buyers
Q28: With the removal of first appointment, how is HDB going to explain the financing details of my flat purchase to me?
A28: The financial plan has been simplified. We will rely on the financing information provided by you in the resale application and draft a financial plan for your endorsement. It will be deposited on the HDB Resale Portal. You will need to log in to the HDB Resale Portal to endorse the financial plan.
Q29: If I want to make changes to the draft financial plan, how can I do it?
A29: You can revise your financial plan on the HDB Resale Portal, and endorse the revised financial plan.
Q30: What is the sequence of activities that I need to complete once the CRM has deposited the draft financial plan and resale documents in the HDB Resale Portal?
A30: After the CRM has deposited the draft financial plan and documents on the HDB Resale Portal, you will need to endorse the financial plan and the CPF e-withdrawal, and fill up the Health Declaration Forms (HPS) if you need to apply for the CPF Board's Home Protection Insurance Scheme. Next, you will endorse the resale documents and make the necessary payments.
Acknowledging Resale Documents by Sellers
Q31: With the removal of first appointment, how is HDB going to explain the details of the sale proceeds calculation to me?
A31: The sale proceeds is calculated based on the resale price less the financial obligations you need to discharge, such as the outstanding home loan, CPF refund, etc. We will rely on the financial information provided by you in the resale application and compute the sale proceeds for you. The computation will be deposited in the HDB Resale Portal. You will need to log in to the HDB Resale Portal to endorse the sale proceeds calculation.
Endorsing Resale Documents
Q32: When can the sellers or buyers endorse the documents?
A32: The documents will be ready for endorsement about three weeks after we have accepted the resale application. The sellers and buyers will receive an SMS notification when the documents are ready for their endorsement.
Q33: Do I have to sign on the resale documents uploaded for my endorsement?
A33: No. We wil prepare the resale documents and deposit them in the HDB Resale Portal. You will endorse the resale documents online.
Q34: How will I be notified that the draft financial plan (or for sellers, the sale proceeds calculation) and resale documents are ready for my endorsement?
A34: An SMS will be sent to your mobile number registered with us, to inform you that the draft financial plan is ready for your endorsement. An email will also be sent to you if you have given us your email address.
Q35: If I have questions on the draft financial plan (sale proceeds calculation) or the resale documents, who can I contact to seek clarifications?
A35: You can contact the Customer Relations Manager (CRM) in charge of your application for clarifications. The CRM's details are provided on the HDB Resale Portal.
Q36: What must I do before I endorse the documents?
A36: You will need to read through the documents before endorsing them. As the documents are in pdf format, you can save a copy for reference.
Q37: The flat is bought (sold) with 3 other buyers (sellers). Are they required to endorse the documents as well?
A37: Yes, the documents must be endorsed individually by all the buyers (sellers). The endorsement is sequenced based on the buyers' (sellers') information provided in the resale application. The HDB Resale Portal will also indicate the status of the whole endorsement process.
Q38: Are the Administrators and Executors able to endorse the resale documents on the HDB Resale Portal?
A38: As long as the Administrators and Executors have a valid SingPass, they too can endorse the resale documents on the HDB Resale Portal.
Q39: My family member who needs to endorse the documents at the HDB Resale Portal does not have a SingPass. What should he/she do?
A39: If your family member is a Singapore citizen or Singapore permanent resident, he/she can apply for a SingPass at the SingPass service link on the login page of the HDB Resale Portal or at SingPass website at www.singpass.gov.sg.
If your family member is a non-resident, he/she may sign the documents in person at our office. Please contact our Customer Relations Manager to make an appointment.
Q40: What is the timeframe for me to endorse the proposed financial plan (sale proceeds calculation) and resale documents?
A40: You will be given 6 calendar days to endorse the draft financial plan (or sale proceeds calculation) and resale documents. We will send you an SMS indicating when you must complete the process.
Q41: What happens if I have overlooked it and missed the 6 calendar days' deadline?
A41: We will send an SMS to remind you and give you 2 more calendar days to do it. We will also inform the other party (i.e. your sellers or buyers) of the extended deadline via SMS and email. If the documents are not endorsed, we will postpone the resale completion date.
Q42: What will happen if the other party fails to endorse the resale documents after the expiry of the extended deadline?
A42: Should any party fail to endorse the documents within the extended deadline, the resale completion date has to be revised. Our CRM will inform the sellers and buyers through SMS and email of the revised completion date.
Q43: If I have appointed HDB to act for me in my transaction, when do I pay the conveyancing fees?
A43: You need to make the payment once you have endorsed the documents. The payment can be made using credit card (VISA or Mastercard) or NETS QR payment*. Payment must be made before you can proceed with the transaction.
* The mobile apps that support NETS QR payment are NETSPay, DBS PayLah!, DBS digibank, POSB digibank, OCBC Pay Anyone and UOB Mighty.
Q44: What about the payments such as conveyancing, title search and caveat fees that I need to make for my flat purchase?
What about the payments such as conveyancing and registration fees that I need to make for the sale of my flat?
A44: You can make the payments online by using your credit card (Visa/ MasterCard) or by scanning the QR code using any of the supporting mobile payment apps such as NETSPay, DBS PayLah!, POSBANK/ DBS Digibank, UOB Mighty, and OCBC Pay Anyone. You will be directed by the HDB Resale Portal to make the payments once you have endorsed all the documents.
Q45: I am taking a home loan from a FI to finance the flat purchase. My solicitors have informed me that they need the resale approval letter for the preparation of the legal documents. When can I expect to receive the approval letter?
A45: You will receive the resale approval letter within 2 weeks after HDB's acceptance of the resale application. We will notify you via SMS and email.
Q46: I am taking an HDB housing loan to finance the flat purchase, when can I expect to receive the resale approval letter?
A46: You will receive the resale approval letter within 4 weeks after HDB's acceptance of the resale application. We will notify you via SMS and email.
Q47: If I have applied for the CPF Housing Grant, will the grant approval be issued at the same time as the resale approval?
A47: As there are additional checks involved in the processing of CPF Housing Grants, the grant approval may be issued with or after the resale approval.
Q48: How will I be notified that my resale application has been approved by HDB?
A48: We will send an SMS and email to inform the sellers and buyers once the resale application is approved. The approval letter will also be available on the HDB Resale Portal.
Q49: What is the likely timing for the completion?
A49: For buyers taking an HDB loan, the completion timing can be in the morning (between 10am to 12pm) or afternoon (between 3pm to 5pm). For buyers taking a bank loan, the completion timing will be in the afternoon (between 3pm to 5pm). Sellers and buyers will be notified of the completion timing nearer to the completion date.
Q50: How will I be notified that my resale completion has been scheduled?
A50: We will send an SMS to inform the sellers and buyers once the resale completion is scheduled. The completion date and time will also be available on the HDB Resale Portal.
Q51: Can I change the completion date of my transaction?
A51: As the date given in the acceptance letter is already the earliest possible date to complete your transaction, it would not be possible to advance the completion date. Nevertheless, if you would like to defer the completion, please send us a written confirmation signed by both the sellers and the buyers agreeing to the new date. You may email the written confirmation to us at firstname.lastname@example.org within a week from the date of the HDB’s acceptance letter.
Q52: I need to make balance payment on the completion day. How do I make this payment?
A52: The payment advice will be made available on the HDB Resale Portal. You will need to print a copy and bring it along for payment before you meet up with our CRM.
Q53: Who needs to attend the completion appointment?
A53: If all the documents have already been endorsed at the HDB Resale Portal, only the flat sellers and buyers need to attend the completion appointment. However, if they have engaged the services of a private solicitor to act for them in the transaction or appointed a Power of Attorney to represent them, a representative from the solicitor’s firm or the attorney will attend the appointment on their behalf. Family members who are not able to endorse any documents online will also be called to attend the completion appointment to personally sign them.
Q54: For buyers who are buying the resale flat under the Fiance/Fiancee scheme, when must they submit their marriage certificate to HDB? (solemnise their marriage)
A54: All buyers who are buying the resale flat under the Fiance/Fiancee scheme must solemnise their marriage within 3 months after the resale completion. This is regardless whether they are applying for the CPF Housing Grant and/or the Proximity Housing Grant.
If their marriage is registered in Singapore, they need not submit a copy of their marriage certificate to HDB.
If their marriage is not registered in Singapore, they would have to submit a copy of their marriage certificate to their HDB Branch.
Q55: What are the things that the buyers need to do to prepare for the completion?
A55: Buyers have to do the following to prepare for the resale completion:
(a) Arrange to inspect the flat to make sure the sellers have vacated the flat before the completion.
(b) Buy the fire insurance, if they are taking an HDB housing loan. They can do it online at http://etiqa.com.sg/hdbfire.
(c) Pay the balance purchase price of the flat and outstanding fees, if any, in full. They can print a copy of the payment advice from the HDB Resale Portal and use it to make payment (by Cashier’s Order and/or NETS) at HDB’s Payment Office (HDB Hub Atrium Level 3). They will have to produce the receipt showing the payment of the amount in full before the completion can take place.
Q56: What are the things that the buyers need to bring for the completion?
A56: Buyers must bring the following when they attend the resale completion:
- Identity card of all buyers.
- Spouse’s passport and long term social visit pass/work permit if the spouse is not a Singapore citizen nor Singapore permanent resident.
- Receipt to show that the balance purchase price and outstanding fees, if any, have been paid in full.
- The Mortgage Fire Insurance Policy certificate if the buyers are taking an HDB housing loan.
Q57: What are the things the sellers need to do to prepare for the completion?
A57: Sellers have to do the following to prepare for the resale completion:
- Rectify any unauthorised renovation works in the flat and, if required, arrange for another inspection with the Branch before the resale completion.
- Terminate all GIRO arrangements for payments relating to the flat e.g. service and conservancy charges, property tax, Singapore Power etc.
- Pay the service and conservancy (S&CC) charges up to the day of completion and get a confirmation from the Town Council.
- Pay the Property tax up to the end of the year.
- Vacate the flat and arrange for the buyers to inspect it before the resale completion.
Q58: What are the things sellers need to bring for the completion?
A58: Sellers must bring the followings when they attend the resale completion:
- Identity cards of all the sellers.
- Original Option to Purchase (Page 1 to 10).
- BCA windows declaration form.
- Confirmation for payment of the service and conservancy charges and property tax.
- Original duplicate lease of the flat if it has been issued to the sellers.
- Full set of the keys to the flat, including the duplicates, if any.
Q59: Where can sellers get a copy of the town council payment and the BCA windows retrofitting form?
A59: Sellers can print the Town Council payment letter and the BCA windows retrofitting form from the HDB Resale Portal under the “Approval and completion” section (step 5).
Q60: What do I do if i am unable to attend the resale completion appointment?
A60: If you are unable to attend the resale completion appointment, you can contact our CRM who will advise you accordingly.