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:
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.
Resale Application Administrative Fee*
(Payable by buyer and seller)
1 and 2-room
3-room and bigger
*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.
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.
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.
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.
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.
Find out more about the streamlined resale process with the introduction of the new HDB Resale Portal.
We have different eligibility schemes under which you can buy an HDB resale flat.
Here are some resources to help you plan your finances before your flat purchase.
It is important to understand the resale procedures. Read about the details in the following sections.