Resale Completion

Buyers and sellers will attend only 1 resale appointment at HDB#, i.e. resale completion. The resale completion is about 8 weeks from the date of HDB's acceptance of the resale application. We will notify you via SMS on the actual date and time of your resale completion once it is scheduled. You can also check the appointment details from the HDB Resale Portal.

#If you have engaged private solicitors, your solicitor representative will attend the resale completion appointment on your behalf.

If you are unable to attend the Resale Completion

If you are unable to attend the resale completion personally, e.g. you are overseas, you can prepare a Power of Attorney to appoint another person to act on your behalf and attend the resale completion. Certified true copies of the Power of Attorney have to be submitted to HDB before the appointment.

Change of Resale Completion date

You and the sellers may request for a later Resale Completion date via MyRequest@HDB.

Before Resale Completion

Inspect the Flat

The sellers and you will arrange to inspect the flat for you to check that the flat is in order and delivered to you with vacant possession.

Buy Fire Insurance

You are required to buy fire insurance from HDB's appointed insurer, FWD Singapore Pte Ltd (FWD), if you are taking an HDB housing loan. You can buy the fire insurance online at  FWD’s website, print out the Certificate of Insurance and produce it during the resale completion appointment.

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

Make Payment

You must pay the balance purchase price of the flat and outstanding stamp fees (if any) at the resale completion. The payment can be made via AXS Machine or via a Cashier’s Order (made payable to HDB). You will have to hand the payment receipt or Cashier’s Order to the Customer Relations Executive (CRE) when you attend the resale completion.

If you have engaged private solicitors, your solicitor will advise you on the payment and other completion requirements.

During Resale Completion

You will be informed of the documents to bring and things to do in the resale completion appointment letter.

Some common documents required include:

  • Identity cards

  • Original Option to Purchase

  • Payment receipts and/ or Cashier's Order

  • Certificate of Insurance (for fire insurance, if applicable)

During the resale completion you will:

  • Sign the mortgage document/ agreement (if you are taking an HDB housing loan)
  • Acknowledge the receipt of the keys to the flat
  • Apportion the payment of the property tax with the sellers
  • Indicate how you will pay the first month service/ conservancy charges

You will become the flat owner upon the resale completion. From this day, you will be liable for payments such as housing loan repayment, monthly service/ conservancy charges, annual property tax, etc. For subsequent matters regarding the ownership of your flat, you may approach your HDB Branch. 

Temporary Extension of Stay

Sellers are required to move out of the flat by the resale completion date. If they have committed to buy a completed property in Singapore and need more time to move out, they can arrange with you for a temporary extension of stay in the flat of up to 3 months after the resale completion.

If you are agreeable with the arrangement, the request for the extension of stay has to be submitted with the resale application. The extension of stay will take effect from the day you take over the flat as the new owners.   

Conditions for flat buyers

As legal owners of the flat, you must pay for costs and expenses relating to its ownership from the resale completion date, including the period of extension of stay by the sellers.  These payments include (the list is not exhaustive):

  • Monthly instalment for housing loan
  • Service & Conservancy Charges (without rebates during the extension period)
  • Property tax (at non-owner-occupied rates during the extension period)

Since you are not staying in the flat for the time being, the start point for the computation of the Minimum Occupation Period (MOP) will be set back by the period of the temporary extension of stay.

Read more on temporary extension of stay.