You can buy a flat from HDB during our sales launches. There are 6 steps to buying a flat.
Before you make a flat application, check if you are:
No payments at this stage
You must submit your flat application online via HDB InfoWEB at www.hdb.gov.sg during the 1-week application period.
A non-refundable administrative fee of $10 is payable by credit card (Visa/ Master Card) 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.
At the end of the application period, HDB will ballot all applications for their queue position and inform applicants of the outcome of their application.
You can check the status of your application when the result is announced.
You will be invited to book a flat based on the balloted queue position. Please check the flats' availability before attending the appointment. Also, decide if you would like to opt-in for the Optional Component Scheme (OCS), if available.
An option fee by NETS
Please bring along these documents
Find out the different factors to consider when selecting your Build-to-Order (BTO) flat.
You will be invited to sign the Agreement for Lease. You have to submit a Letter of Offer if you are obtaining a housing loan from banks.
View sample legal documents below.
A downpayment (plus 1-3% legal and stamp fees) by CPF or cash as follows:
10% for buyers taking a housing loan from HDB
20% for buyers taking a housing loan from bank
Check the cost involved
For flats offered under the BTO, you will collect the keys to your flats in about three years' time.
99-year 2-room Flexi flat or bigger flat
Balance of the purchase price of the flat booked, by cash, CPF, mortgage loan, or a combination
If you intend to use cash to pay the monthly instalments, you will have to submit a completed GIRO application form before we grant you a loan. Please submit the completed form on or before the appointment for keys collection. Otherwise, we may withdraw the letter of offer for the loan. You will then have to find alternative financing for the flat.
Short-lease 2-room Flexi flat
You must pay the balance purchase price in full before you can take possession of the flat, as we do not grant loans for the purchase short-lease 2-room Flexi flats.
If you are selling your existing flat at the same time, you may request for a temporary loan where you pay for the new flat using sales proceeds from your current flat. Keys to the 2-room Flexi flat will be issued after the sale of the current flat is completed.
Conditions after purchase
Sample Documents for Signing of Agreement for Lease
Specimen of the Legal Documents that flat buyers of 2-room and bigger flats need to sign:
(1) The Agreement for Lease
The Agreement for Lease sets out the sale terms of the HDB flat for buying a flat.
(2) The Lease
The Lease sets out the lease terms of the HDB flat.
(3) The Memorandum of Lease
The Memorandum of Lease sets out the additional general lease administration terms of the HDB flat.
Specimen Memorandum of Lease
Sample Documents for Taking Possession
Specimen of the Legal Documents that flat buyers of 2-room and bigger flats, who are obtaining the first HDB loan, are required to sign:
(1)Deed of Assignment
The Deed Of Assignment sets out the terms of the mortgage loan from HDB - for flat buyers taking the first HDB loan.
The Mortgage sets out the HDB mortgage loan terms.
(3)The Memorandum of Mortgage
The Memorandum of Mortgage sets out the additional general loan terms of the HDB mortgage loan.
Specimen Memorandum of Mortgage
Please note that the documents shown here are specimen documents for general reference and information. Actual documents may vary from the specimen copies shown depending on the circumstances of the individual case.
DBSS flats are developments which developers have a hand in designing. These flats can be bought directly from the developers.
You may contact the developers for the following DBSS projects that are available for sale.
Before you submit an application, check if you are:
You will be invited to sign the Sale & Purchase Agreement.
15% of the purchase price plus 1-3% legal and stamp fees by CPF money or cash within 9 weeks from the date of OTP or signing of the Sale & Purchase Agreement
The developer will arrange with you on the key collection to your DBSS flat.
Check with developers
Conditions after purchase
ECs from private developers can be purchased with or without the CPF Housing Grant.
Developers will announce the sales launch in the newspapers and on the developer’s website. You can contact the developer to find more information on:
Before you make an EC application, check if you are:
You must submit an application with the developer. Developer has the choice to offer the units via computer balloting or walk-in selection.
Check with developer
Developer will inform you of the outcome.
You will have to submit the application form for CPF Housing Grant to the developer, if eligible. Prompt submission will ensure that you will be able to use the CPF funds to pay for the balance downpayment.
5% option fee by Cashier’s Order, cheque or cash
Please bring along these documents.
You will be invited by the developer to sign the Sale and Purchase Agreement. You have to submit:
15% of the purchase price plus 1-3% legal and stamp fees by CPF money or cash within 9 weeks from the date of OTP or signing of the Sale and Purchase Agreement
The developer will invite you to collect the keys when the EC is completed.
Please also check out the conditions after purchase.