Government agencies communicate via
websites (e.g. go.gov.sg/open).
Look for a
lock () or https:// as an added precaution. Share sensitive
information only on official secure websites.
To start your buying journey, register an Intent to Buy by logging in to the HDB Resale Portal using your Singpass.
When you register an Intent to Buy, you will receive an instant assessment of your eligibility for the purchase of a resale flat, housing grant(s) and an HDB housing loan.
You will need a valid Intent to Buy before flat sellers may grant you an Option to Purchase (OTP).
Your Intent to Buy is valid for 12 months. It must be valid when flat sellers grant you an OTP and when you submit the resale application.
You must register an Intent to Buy personally, regardless whether you have engaged the services of a salesperson. If there is more than one buyer for the resale flat, only one of you need to register on behalf of all the buyers.
After registering an Intent to Buy, you will be guided to apply for an HDB Loan Eligibility (HLE) letter, if you are eligible for one and intend to get a housing loan from HDB.
You must have a valid HLE letter when flat sellers grant you an OTP and at the time of your application to buy the resale flat.
If you intend to get a housing loan from a FI, you may proceed to look for a suitable flat that meets your budget and obtain an OTP from the sellers.
You must have a valid Letter of Offer before you may exercise the OTP.
When buying an HDB resale flat, you must ensure your household is within the EIP quota for the block and neighbourhood, and if applicable, the SPR quota as well.
The EIP quota applies for the purchase of an HDB resale flat. In addition, non-Malaysian SPR households must meet the SPR quota.
You may be eligible to buy a flat if:
You may use our e-Service to check if you are eligible to buy an HDB resale flat in a particular block or neighbourhood under the EIP/ SPR quota.
The EIP/ SPR quota is updated on the 1st of each month, and will apply to complete resale applications* submitted to us in the same month.
* A resale application is completed only when HDB receives both the buyers’ and sellers’ portions of the resale application and the necessary supporting documents.
The EIP is put in place to preserve Singapore’s multi-cultural identity and promote racial integration and harmony. It ensures that there is a balanced mix of the various ethnic communities in HDB towns. The EIP limits are set at block and neighbourhood levels based on the ethnic make-up of Singapore.
For the purchase of an HDB flat, a household with members of different ethnic groups may choose to classify their household ethnicity under the ethnicity of any buyer(s) or spouse according to the race shown on their NRIC.
Once an ethnicity is chosen for the household, it will remain the same when the flat owners subsequently sell their flat on the open market.
The SPR quota ensures that SPR families can better integrate into the local community. Malaysians are excluded from this quota because of their close cultural and historical similarities with Singaporeans. Non-Malaysian SPR households applying to buy an HDB resale flat need to be within the SPR quota for the block (8%) and neighbourhood (5%).
Read more about conversion scheme application procedure if you and your family intend to buy adjoining 3-room or smaller flats.
If you and your family intend to buy adjoining flats that are 3-room or smaller and convert them into 1 unit under the Conversion Scheme, you have to meet the eligibility conditions and adhere to the conditions after purchasing the converted flat. You should also check the upgrading costs (if applicable) for your converted flat.
Your family is formed by a married couple, and/ or parent(s) and child(ren).
Take note that:
To obtain confirmation if pairing of flats is possible, download and complete the application form Enquiry on Combination of Flats under the Conversion Scheme (PDF, 90KB), and submit it to us via our e-Feedback form.
We will assess the flats and inform you whether pairing the flats is possible. If so, you may then proceed with the purchase.
If you are buying 2 adjoining flats, which will be converted into 1 unit, you may obtain a housing loan* for the purchase of both flats.
* The application of a housing loan from HDB or financial institutions will be subjected to eligibility conditions and credit assessments
If you are buying a flat adjoining your current flat and have an outstanding housing loan, that loan must first be discharged.
The financing of the adjoining flat is as follows:
Upon completing the purchase of the adjoining flat(s), the adjoining flats must be converted into a single unit by:
You may retain your current unit number for the converted flat.
You may sell the converted flat after fulfilling the MOP from the date the flat(s) purchase is completed and in accordance with the prevailing resale policy.
If you take a CPF housing grant for the purchase of 2 adjoining flats, you will be a second-timer and need to pay a resale levy based on the flat type of the converted flat when buying a second subsidised housing.
If your current flat is bought from HDB or a resale flat bought with a CPF Housing Grant and you are buying 1 adjoining flat, the following will apply:
After the conversion, you cannot sub-divide the converted flat for sale, transfer, surrender, etc.
You have to pay the upgrading cost according to the following:
Learn about the financial considerations for buying an HDB resale flat. There are also several tools and resources for your use.
Read about entering into an Option to Purchase (OTP) with flat sellers.
Obtain information on submitting a request for value.
Learn about submitting a resale application and what to expect after you have submitted one.