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Residential

Costs and Fees

When you buy an HDB resale flat, you should also take into account the costs and fees that you may need to pay. These charges are in addition to the resale price of the flat:

 

Resale application administrative fee

Buyers and sellers will each pay an administrative fee.

Buyers and sellers will each pay an administrative fee (inclusive of GST) of $40 or $80, depending on the flat type.

Flat Type

Resale Application Administrative Fee*

(Payable by buyer and seller)

1 and 2-room

$40

3-room and bigger

$80

*Fees paid are non-refundable and include GST. If you are using the HDB Resale Portal, payments can be made via 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. If you are using the Estate Agent Toolkit, payments can be made via GIRO.

Processing fee for Request for Value

Buyers must submit a request to HDB to determine the flat’s value if they intend to buy a resale flat using their CPF monies and/ or a housing loan.

If you intend to buy a resale flat using your CPF money and/ or a housing loan, you must submit a request to HDB to confirm the flat's value. The value will form the basis for determining your CPF usage and/ or the housing loan from HDB or bank/ financial institution, unless otherwise advised by a bank/ financial institution.
You will need to pay a processing fee* of $120.

*Fees paid are non-refundable and include GST. If you are using the HDB Resale Portal, payments can be made via 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. If you are using the Estate Agent Toolkit, payments can be made via GIRO.

Fire Insurance

If you are taking a housing loan from HDB, you will have to purchase a fire insurance policy from our appointed insurer, FWD Singapore Pte Ltd.

If you are taking a housing loan from HDB, you must purchase a fire insurance policy from our appointed insurer, FWD Singapore Pte Ltd (FWD).

A valid Certificate of Insurance issued by FWD must be produced on the date you complete the purchase of your resale flat.

For more details about the HDB Fire Insurance, you may call FWD's enquiry line at 6820-8888, or visit FWD's website.
 

Administrative fee for Temporary Extension of Stay by flat sellers

An administrative fee will be payable to HDB if you agree to the seller’s request to extend their stay temporarily in the resale flat.

If you agree to the seller’s request to extend their stay temporarily in the resale flat, an administrative fee of $20 (inclusive of GST) will be payable to HDB.

Legal fees

The legal fees to be paid depend on the solicitor you appoint to act for you.

The legal fees to be paid depend on the solicitor you appoint to act for you. If you engage HDB to act for you in the purchase, you can get an estimate of the cost using our Legal Fees Enquiry e-Service. More information on the breakdown of legal fees is detailed below.

Breakdown of legal fees payable

When buying an HDB resale flat, the various legal fees can be paid using CPF savings, cashier's order, or NETS. However, Caveat and Title Search fees are only payable by cashier's order and/ or NETS.

The Conveyancing, Caveat, and Title Search fees are paid after acknowledging the resale documents in the HDB Resale Portal. If you do not have enough CPF to pay the Stamp Duty in full, you will have to pay the balance on the Resale Completion date by cashier’s order and/ or NETS.

Singapore Permanent Resident households buying their first HDB resale flat are required to pay Additional Buyer Stamp Duty (ABSD) on top of the existing Buyer’s Stamp Duty (BSD). It can be paid by CPF savings, cashier's order and/ or NETS, and is due within 10 days from the First Appointment date. The amount due is 5% of the purchase price or market valuation, whichever is higher. Please refer to IRAS' website for more information on the ABSD.

If HDB’s solicitor is acting for you

Type of Fee
Amount
Conveyancing fees
To HDB (Subject to GST)
For transfer
(Based on selling price and subject to a minimum fee of $20; fee is rounded up to the nearest dollar)
  • First $30,000: 13.50 cents per $100 or part thereof
  • Next $30,000: 10.80 cents per $100 or part thereof
  • Remainder: 9 cents per $100 or part thereof
For mortgage*
(Based on loan amount and subject to a minimum fee of $20; fee is rounded up to the nearest dollar)
  • First $30,000: 13.50 cents per $100 or part thereof
  • Next $30,000: 10.80 cents per $100 or part thereof
  • Remainder: 9 cents per $100 or part thereof
* Notes for mortgage conveyancing fees:
  • For housing loan from HDB
    • If our solicitor is acting for you in the mortgage of the flat to HDB, we will charge:
    • A full-scale fee as HDB’s solicitor (subject to a minimum fee of $20 for 1 and 2-room flats, and $40 for other flat types)
    • Half of the scale fee as the mortgagor’s solicitor (subject to a minimum fee of $20 for all flat types)
Stamp duty
  • To Commissioner of Stamp Duties
  • You can also use the Stamp Duty Calculator found on the Inland Revenue Authority of Singapore (IRAS) website.
For Option to Purchase
(Based on selling price or market valuation, whichever is higher)
 
Before 20 Feb 2018
  • First $180,000: 1%
  • Next $180,000: 2%
  • Remaining Amount: 3%
On or after 20 Feb 2018
  • First $180,000: 1%
  • Next $180,000: 2%
  • Next $640,000: 3%
  • Remaining Amount: 4%
For mortgage
(Based on loan amount)
  • 0.40% of the loan granted, subject to a maximum of $500
Note: The stamp duty will be collected by HDB regardless of your loan type
Registration and microfilming
  • To Registry of Land Titles and Deeds
  • Caveat and Title Search fees are only payable using cash.
For transfer
  • $38.30
For mortgage
  • $38.30
For caveat
With housing loan from HDB
  • Buyer’s caveat: $64.45
  • Mortgagee’s caveat: $64.45
  • Title Search fee: $32
Total = $160.90
 
With housing loan from a bank, or no housing loan taken
  • Buyer’s caveat: $64.45
  • Mortgagee’s caveat: $0
  • Title Search fee: $32
Total = $96.45
Miscellaneous fees
To HDB (Subject to GST)
$15

If HDB’s solicitor is not acting for you

Type of Fee
Amount
Conveyancing fees
To HDB (Subject to GST)
For transfer: Not applicable
For mortgage*
(Based on loan amount and subject to a minimum fee of $20; fee is rounded up to the nearest dollar)
  • First $30,000: 13.50 cents per $100 or part thereof
  • Next $30,000: 10.80 cents per $100 or part thereof
  • Remainder: 9 cents per $100 or part thereof
* Notes for mortgage conveyancing fees:
  • For housing loan from HDB
    • If our solicitor is not acting for you in the mortgage of the flat to HDB, we will charge: A full-scale fee as HDB’s solicitor (subject to a minimum fee of $20 for 1 and 2-room flats, and $40 for other flat types)
Stamp duty
For Option to Purchase
(Based on selling price or market valuation, whichever is higher)
 
Before 20 Feb 2018
  • First $180,000: 1%
  • Next $180,000: 2%
  • Remaining Amount: 3%
On or after 20 Feb 2018
  • First $180,000: 1%
  • Next $180,000: 2%
  • Next $640,000: 3%
  • Remaining Amount: 4%
For mortgage (based on loan amount): 0.40% of the loan granted, subject to a maximum of $500
Note that the stamp duty will only be collected by HDB if you are taking an HDB loan.
Registration and microfilming
  • To Registry of Land Titles and Deeds
  • Caveat and Title Search fees are only payable using cash
For transfer (Only applies if you are taking a housing loan from HDB): $38.30
For mortgage (Only applies if you are taking a housing loan from HDB): $38.30
For caveat:
  • With housing loan from HDB:
    • Buyer’s caveat: $0
    • Mortgagee’s caveat: $64.45
    • Title Search fee: $32
    • Total = $96.45
  • With housing loan from a bank, or no housing loan taken:
    • Buyer’s caveat: $0
    • Mortgagee’s caveat: $0
    • Title Search fee: $0
    • Total = $0