Application

After you have exercised the Option to Purchase (OTP), you and the sellers must submit the respective portions of the resale application and the necessary supporting documents via the HDB Resale Portal. Salespersons may submit resale applications on behalf of their clients via e-Resale or Estate Agent Toolkit (for agencies which are subscribers).

Upon receiving the resale application and supporting documents, HDB will verify the information provided by you and the sellers. Both parties must ensure that they are eligible for the transaction.

If the application and documents are in order, we will notify you and the sellers of HDB’s acceptance of the application via SMS or email. Thereafter, it will take about 8 weeks to process the application and complete the transaction.

When to submit the resale application

You and the sellers may proceed to submit the resale application and the necessary documents after you have exercised the OTP.

Both parties must submit the respective portions of the resale application and all the necessary documents, according to the following time-specific requirements:

(i) Submission by the second party within 7 calendar days Either you or the sellers may submit the respective portion of the resale application and the necessary documents first. Thereafter, the second party must submit their portion within 7 calendar days. If this is not done, the application will lapse and both parties have to restart the application process and pay the application fees.
(ii) Submission of application to HDB (according to Clause 12 of the OTP)

Under Clause 12 of the OTP, you and the sellers have agreed on the timeframe to submit the resale application to us.

This is a contractual term between you and the sellers. Any variation requires the mutual agreement of both parties

A resale application is complete only when HDB receives both buyers’ and sellers’ portions of resale application and the necessary supporting documents. Otherwise, the application will lapse and both parties have to restart the application process and pay the application fees. Application fees are non-refundable.

Information required for resale application

You need to provide the listed information when you submit the resale application.

You have to provide the following information:

Option to Purchase details
  • Address of the flat you are buying
  • Sellers’ particulars (such as name and NRIC)
  • OTP Serial Number
  • Option Date
  • Purchase Price
  • Option Fee
  • Option Exercise Fee
  • Acceptance Date
Buyers’ and occupiers’ particulars

You need to verify and provide the details of all applicants and occupiers listed in the application and submit all the supporting documents (in PDF or JPG format). The list of documents required will be provided in the HDB Resale Portal when you submit your resale application. Do note that the information provided should be the same to those given in your Intent to Buy.

If you need time to prepare the necessary documents, you may save your application as a draft, and retrieve your application for submission once you have prepared the necessary documents. The draft application will be available for 2 weeks.

It is your flat sellers’ and your responsibility to ensure that all the supporting documents are submitted together with the respective portions of the resale application.  Incomplete documents may lead to your application being rejected, and you and the flat sellers will have to restart the application process and pay the application fees again.

You may be required to submit the following documents (if applicable):

  • Identity Card^ or Passport (for non-citizens)
  • Marriage certificate
  • Child's birth certificate^
  • Late spouse's death certificate^
  • Deed of Separation, Divorce Certificate, Decree Nisi/ Interim Judgement, Certificate Making Decree Absolute/ Certificate Making Interim Judgement Absolute
  • Power of Attorney
  • Lasting Power of Attorney
Housing loan

You have to state whether you are taking a housing loan from HDB or financial institution (FI).

If you are taking an HDB housing loan, you have to provide the reference number of the approved HDB Loan Eligibility (HLE) letter.

If you are taking a housing loan from a FI, you have to submit a Letter of Offer from the FI.

Application for CPF housing grants

Or

Proximity Housing Grant

You have to state in the resale application if you are applying for any of the following grants:

  • CPF Housing Grant
  • Enhanced CPF Housing Grant (EHG)
  • Step-Up CPF Housing Grant
  • Proximity Housing Grant

For CPF Housing Grant, EHG and Step-Up CPF Housing Grant applications, you have to submit your household’s income documents for assessment.

Read the eligibility conditions to find out if you are eligible for any CPF housing grants.

Manner of Holding of flat after the purchase

If you are buying the resale flat jointly with others (up to a maximum of 4 owners), you have to state the manner of holding, i.e., how you and the other co-owners intend to hold the flat. Read more about manner of holding.

Declarations regarding your purchase

Ownership of property

Flat buyers have to dispose of their existing flat and/ or interest in private residential properties in Singapore or overseas, within 6 months of buying a resale flat. Read more in ownership of property.

Undischarged bankrupt

If you are an undischarged bankrupt, prior consent from the Official Assignee (OA) or the private trustee may be required when buying a flat. You have to submit a Letter of Consent from the OA, if applicable. Read more in bankruptcy.

Engaging solicitors

You must state in your resale application whether you are appointing HDB as your solicitors or engaging private solicitors to act for you in the conveyancing of the resale transaction.

If you wish to appoint HDB, you may get an estimate of the cost using our Legal Fees Enquiry e-Service. Find out more about payment of legal fees.

Application for Enhanced Contra Facility

The Enhanced Contra Facility allows you to sell your existing HDB flat and use the sale proceeds (comprising CPF refund and cash) to buy a resale HDB flat.

If you intend to apply for the Enhanced Contra Facility, you need to state so in your application form. Read more about Enhanced Contra Facility.

Appointing a Power of Attorney

If you are unable to sign the Option to Purchase or the legal documents personally when buying a resale flat, you must appoint a Power of Attorney.

Read more about appointing a Power of Attorney.

Request for Temporary Extension of Stay

The sellers must move out of the flat when the resale transaction is completed. Sellers may arrange with you to extend their stay temporarily in the flat, for up to 3 months from the completion of the resale transaction.

Read more about temporary extension of stay.

^ Either physical or digital copy of the Identity Card, birth certificate or death certificate

Payment of resale application fees

You and the sellers will each pay an administrative fee when submitting the respective portions of the resale application and the necessary supporting documents.

  Flat Type
1- and 2-room 3-room and bigger

Resale Application Fee*

(Payable by buyers and sellers)

$40 $80
Mode of Payment

For the HDB Resale Portal:

  • Credit card (Visa or MasterCard)
  • AXS
    • AXS Station
    • AXS M-Station
    • AXS E-Station
  • PayNow, supported by the following banks:
    • Bank of China
    • Citibank
    • DBS/ POSB
    • HSBC Bank
    • ICBC
    • Maybank
    • OCBC Bank
    • Standard Chartered Bank
    • UOB
* Fees paid are non-refundable and include GST.

After submission of resale application

You and the sellers have to submit your respective portion of the resale application within 7 calendar days. Otherwise, the application will be cancelled, and the application fees paid are non-refundable.

Upon receiving a complete resale application and the full set of the supporting documents from you and the sellers, we will verify the eligibility of both parties, and review the supporting documents.

If the application is in order, we will notify both parties of HDB’s acceptance within 21 working days, via SMS and emails. You may log in to the HDB Resale Portal to view the status of your resale application.

The date of HDB’s acceptance of the resale application marks the beginning of the 8 weeks processing time. The resale completion date stated in HDB's acceptance letter is the earliest possible date to complete the transaction. You and the flat sellers may mutually agree on a later date and submit the request via MyRequest@HDB.

During these 8 weeks, you have to endorse documents which HDB has prepared for you through the HDB Resale Portal and pay the necessary fees online. An in-principle approval for resale will be granted once the documents are endorsed and the payments made. We will notify you and the sellers of the resale completion appointment once it is scheduled.

Read more in acceptance and approval.

Cancellation of resale application

There may be scenarios which would result in the cancellation of your resale application.

Your application will be cancelled if:

  • You or the sellers have decided to withdraw the application by giving notice in writing to us
  • You do not have sufficient funds to complete the flat purchase
  • The information given in the resale application is incorrect or either party has suppressed any information required (in addition to any other actions that HDB may take or penalties that HDB may impose) 
  • You or the sellers are not eligible to retain the application under HDB's prevailing policies
  • The transaction is aborted for any reasons whatsoever

Additional Information

Application for CPF Housing Grant

To apply for the CPF Housing Grant, i.e. the Family Grant or Singles Grant, you have to submit the relevant income documents of all the persons (co-applicants and occupiers) listed in the flat application.

Prepare the required documents based on the nature of employment as listed below.

Nature of Employment Documents to Submit Notes
Employed person
  • 3 months’ payslips preceding the month of flat application

or

  • Letter from employer certifying salaries for 3 months preceding the month of flat application. The letter must contain:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Note: If your income includes allowances, we will require 6 months’ payslips preceding the month of application.

  • Assessment is based on the average gross monthly income, which:
    • Excludes bonuses and income earned from ad hoc overtime work
    • Includes overtimes and allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • If you are employed full-time but on no-pay leave for less than 6 months at the point of flat application, we will consider you as employed and use your last drawn pay for assessment. If you are on no-pay leave for 6 months or more, your income will not be considered in the assessment
  • Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) will not be accepted

Self-employed person

(including private hire drivers, stallholders, etc.)

  • Latest NOA from IRAS Statement of Annual Accounts certified by an audit firm

and

and

  • Undertaking affirming the average gross monthly income for 6 months preceding the month of flat application
  • Assessment is based on the average gross monthly income
  • The undertaking will be provided after we have received the flat application
Part-time worker/ Commission-based person
  • 6 months’ payslips/ commission statements preceding the month of flat application

or

  • Letter from employer certifying salaries for the 6 months preceding the month of flat application. The letter must contain
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation 
Assessment is based on the average gross monthly income over the 6-month period.

Odd job worker

(including freelancers, etc.)

and

  • Letter from employer certifying salaries for the 6 months preceding the month of flat application. The letter must contain
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation 
Assessment is based on the average gross monthly income over the 6-month period.

Unemployed person

(from 18 to 62 years old)

 
  • Undertaking affirming the unemployment status

or

  • Valid Student Pass or letter from school/ college/ institute of learning to confirm student status, for a full-time student
  • If unemployed for less than 3 months, the following documents are required:
    • Income proof for the preceding month(s) from the previous employer stating gross monthly income and last day of service
    • Latest 15 months’ CPF contribution history
The undertaking will be provided after we have received the flat application.
Income/ allowance that will be considered for the income ceiling
  • Overtime and allowances (fixed/ variable) received on a regular basis, e.g. allowances for food, transport, laundry, uniform, etc.
  • Sustenance allowance
  • Stipend received on a regular basis for work conducted for the educational institute, during the full-time studies
Income/ allowance that is not considered for the income ceiling
  • Alimony allowance
  • Bonuses
  • Director’s fee
  • Income from ad hoc overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Pension

Usage and distribution of CPF Housing Grant

The CPF Housing Grant can be used to:

  • Offset the purchase price of the flat
  • Reduce the housing loan required for the flat purchase

The grant will be fully credited into the CPF Ordinary Accounts of eligible first-timer Singapore Citizen (SC) applicants. It will not be paid in cash.

If you are buying the flat with a housing loan from a financial institution, the grant will be included in the computation of withdrawal of CPF savings (up to the applicable limits). The grant cannot be used for the minimum cash downpayment (if any) and monthly housing loan instalment payments.

Type of Flat Ownership Distribution of Grant
Sole SC applicant Full grant
Joint SC applicants (couples, e.g. husband and wife) Half of the full grant each

Multi-nuclei SC applicants, e.g.:

  • Married siblings with their respective spouses
  • Parents and married child
Grant is given only to a maximum of 2 applicants who must be husband and wife

Application for Enhanced CPF Housing Grant (EHG)

To apply for the EHG, you have to submit the relevant income documents of all the persons (co-applicants and occupiers) listed in the flat application.

The income documents required for the application for the EHG application will depend on the nature of your employment. We may also request further documentation if needed.

Nature of Employment Documents to Submit
Employed person
  • 12 months’ payslips preceding the month of flat application

or

  • Letter from employer certifying salaries for 12 months preceding the month of flat application. The letter must contain:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

and

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements showing contributions for the 12 months preceding the month of flat application
Note:
  • If you are employed full-time but on no-pay leave (e.g. full-time studies) for less than 6 months out of the 12 months in review, we will take your last drawn full-time pay as the income for the no-pay leave period, for the income assessment
  • If you are employed full-time but on no-pay leave for 6 months or more out of the 12 months in review, we will consider only your working months for the income assessment

Self-employed person

(including private hire drivers, stallholders, etc.)

or

  • Statement of Annual Accounts certified by an audit firm

and

Part-time worker/ Commission-based person
  • 12 months’ payslips/ commission statements preceding the month of flat application

or

  • Letter from employer certifying salaries for the 12 months preceding the month of flat application. The letter must contain
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

and

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements showing contributions for the 12 months preceding the month of flat application

Odd job worker

(including freelancers, etc.)

and

  • Previous year’s NOA from IRAS
Full-time student receiving stipends
  • Letter from the education institute stating the period and nature of study (full or part-time)
  • Copy of signed contract between the applicant and the education institute stating the conditions of the stipend

Note:

  • You will be considered as employed if you receive regular payment for work conducted for the educational institute as required, during your full-time studies, e.g. you conduct teaching and/ or research for the educational institute, as required in the contract for the payments
  • You will not be considered as employed for any other work done during full-time studies
Income/ allowance that will be considered for the income ceiling
  • Overtime and allowances (fixed/ variable) received on a regular basis, e.g. allowances for food, transport, laundry, uniform, etc.
  • Sustenance allowance
  • Stipend received on a regular basis for work conducted for the educational institute, during the full-time studies
Income/ allowance that is not considered for the income ceiling
  • Alimony allowance
  • Bonuses
  • Director’s fee
  • Income from ad hoc overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Pension

Usage and distribution of EHG

The EHG can be used to:

  • Offset the purchase price of the flat
  • Reduce the housing loan required for the flat purchase

The EHG will be fully credited into the CPF Ordinary Accounts of eligible first-timer Singapore Citizen (SC) applicants. It will not be paid in cash.

If you are buying the flat with a housing loan from a financial institution, the grant will be included in the computation of withdrawal of CPF savings (up to the applicable limits). The grant cannot be used for the minimum cash downpayment (if any) and monthly housing loan instalment payments.

Type of Flat Ownership Distribution of Grant
Sole SC applicant Full grant
Joint SC applicants (couples, e.g. husband and wife) Half of the full grant each

Multi-nuclei SC applicants, e.g.:

  • Married siblings with their respective spouses
  • Parents and married child
Grant is given only to a maximum of 2 applicants who must be husband and wife

Application for Step-Up CPF Housing Grant

To apply for the Step-Up CPF Housing Grant, you have to submit the relevant income documents of all the persons (co-applicants and occupiers) listed in the flat application.

The income documents required for the application for Step-Up CPF Housing Grant will depend on the nature of your employment. We may also request further documentation if needed.

Nature of Employment Documents to Submit
Employed person
  • 12 months’ payslips preceding the month of flat application

or

  • Letter from employer certifying salaries for 12 months preceding the month of flat application. The letter must contain:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

and

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements showing contributions for the 12 months preceding the month of flat application
Note:
  • If you are employed full-time but on no-pay leave (e.g. full-time studies) for less than 6 months out of the 12 months in review, we will take your last drawn full-time pay as the income for the no-pay leave period, for the income assessment
  • If you are employed full-time but on no-pay leave for 6 months or more out of the 12 months in review, we will consider only your working months for the income assessment

Self-employed person

(including private hire drivers, stallholders, etc.)

or

  • Statement of Annual Accounts certified by an audit firm

and

Part-time worker/ Commission-based person
  • 12 months’ payslips/ commission statements preceding the month of flat application

or

  • Letter from employer certifying salaries for the 12 months preceding the month of flat application. The letter must contain
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

and

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements showing contributions for the 12 months preceding the month of flat application

Odd job worker

(including freelancers, etc.)

and

  • Previous year’s NOA from IRAS
Full-time student receiving stipends
  • Letter from the education institute stating the period and nature of study (full or part-time)
  • Copy of signed contract between the applicant and the education institute stating the conditions of the stipend

Note:

  • You will be considered as employed if you receive regular payment for work conducted for the educational institute as required, during your full-time studies, e.g. you conduct teaching and/ or research for the educational institute, as required in the contract for the payments
  • You will not be considered as employed for any other work done during full-time studies
Income/ allowance that will be considered for the income ceiling
  • Overtime and allowances (fixed/ variable) received on a regular basis, e.g. allowances for food, transport, laundry, uniform, etc.
  • Sustenance allowance
  • Stipend received on a regular basis for work conducted for the educational institute, during the full-time studies
Income/ allowance that is not considered for the income ceiling
  • Alimony allowance
  • Bonuses
  • Director’s fee
  • Income from ad hoc overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Pension

Usage and distribution of Step-Up CPF Housing Grant

The Step-Up CPF Housing Grant can be used to:

  • Offset the purchase price of the flat
  • Reduce the housing loan required for the flat purchase

The grant will be fully credited into the CPF Ordinary Accounts of eligible Singapore Citizen (SC) applicants. It will not be paid in cash.

If you are buying the flat with a housing loan from a financial institution, the grant will be included in the computation of withdrawal of CPF savings (up to the applicable limits). The grant cannot be used for the minimum cash downpayment and monthly housing loan instalment payments.

Type of Flat Ownership Distribution of Grant
Sole SC applicant Full grant
Joint SC applicants (couples, e.g. husband and wife) Half of the full grant each

Multi-nuclei SC applicants, e.g.:

  • Married siblings with their respective spouses
  • Parents and married child
Grant is given only to a maximum of 2 applicants who must be husband and wife

Manner of holding

If there is more than one buyer in your resale application, you must state the manner of holding to determine the share of ownership of the flat.

Joint Tenancy

All the flat owners have an equal share on the flat regardless of how much each co-owner may have contributed to buy the flat.

The right of survivorship applies. This means that should any co-owner passes away, his/ her interest in the flat will be automatically passed on to the remaining co-owner(s). This is regardless of whether a will has been made by the deceased co-owner.

Tenancy-in-common

Each co-owner holds a separate and definite share in the flat. Nevertheless, all the co-owners are entitled to use the whole flat, regardless of their share.

The right of survivorship does not apply. On the death of any co-owner, his/ her interest in the flat will be distributed according to his/ her will (if any). If there is no will, the interest in the flat will be distributed to his/ her beneficiaries in accordance with the Intestate Succession Act.

Ownership of property

You and all the people listed in the application must declare any interest in any private property when submitting the resale application.

The declaration includes private residential, commercial (including market/ hawker stalls), and industrial properties, both in Singapore and overseas.

If you or any person listed in the flat application owns or has an interest in local or overseas private residential property, you must dispose of the property within 6 months from the completion of the flat purchase and provide the documentary proof to the HDB Branch.

Power of Attorney

When buying or selling an HDB flat, certain matters must be attended to at different stages of the process. The POA is required if you are unable to attend to these matters personally.

A Power of Attorney (POA) is a legal document that allows a person ('donor') to appoint another person ('attorney') to act on his behalf and in his name on matters specified in the POA.

As a flat buyer, you must sign documents personally, such as:

  • Option to Purchase
  • Application forms
  • Declarations forms
  • Legal documents

If you are unable to attend to these matters personally, you have to approach a solicitor to prepare a POA to act on your behalf in the flat purchase. 

What must you and your private solicitor do?

Steps Process
Step 1: Preparing the POA Engage a solicitor to prepare the POA.
Step 2: Signing the POA

The POA has to be signed by you in the presence of your solicitor. If you are already overseas, you must sign the POA in the presence of one of the following parties:

* If you are using CPF Ordinary Account (OA) savings to buy a flat, the POA must be witnessed and sealed/ stamped by an official from a Singapore Overseas Mission instead. You may visit the MFA's website for more details on the nearest Singapore Overseas Mission.

Step 3: Registering the POA After your POA has been signed, your solicitor will register the POA with the High Court Registry.
Step 4: Submitting required documents to HDB

Once the POA has been registered, you have to state this in the application form and submit the following documents to us:

  • Certified true copy from the High Court + 2 photocopies
  • 2 certified true copies of the POA registered with the High Court by an Advocate and Solicitor
  • A letter from the solicitor confirming that the standard format for POA provided by HDB has been used
  • Certified true copy by an Advocate and Solicitor together with the computer printout with the High Court seal where POA has been registered through the Electronic Filing System
Important points to note:
  • If you are travelling overseas, you are advised to obtain the POA before leaving the country
  • The POA cannot be used for the signing of the following documents, which you must sign personally:
    • Application form
    • Statutory declarations (you must sign in the presence of a Commissioner of Oaths or Notary Public)
    • Any undertakings
  • If you have submitted an original POA or a certified true copy of the POA from the High Court to us, it will be returned to your solicitor. This is after the Lease & Mortgage document has been registered with the Singapore Land Authority
  • However, certified true copies of the POA by your solicitors will be retained by HDB

Bankruptcy

You are required to indicate in your application form if you are an undischarged bankrupt.

If you are an undischarged bankrupt, prior consent must be obtained from the Official Assignee (OA) or the private trustee, if:

  • You are applying to buy an HDB flat that is bigger than a 5-room flat or a 3Gen flat
  • You are buying any flat type with a net purchase price of $500,000 or above, after taking into account any HDB subsidies or levy

You do not need to seek consent from the OA or private trustee if you are listed as an occupier of a flat.