Timeline

Here is an overview of the flat buying process.

Milestones

Check eligibility and plan your finances

You must have a valid HDB Flat Eligibility (HFE) letter before you may apply for a flat in our sales exercises. The HFE letter will provide you with a holistic understanding of your housing and financing options before you embark on your home buying journey. It will inform you upfront of your eligibility to purchase a new or resale flat, as well as the amounts of CPF housing grants and HDB housing loan you are eligible for. Read our frequently asked questions on the HFE letter.

You may request for an In-Principle Approval from the participating financial institutions when you apply for an HFE letter on the HDB Flat Portal.

Read on how to plan your finances, and calculate your housing budget before you search for a suitable home.

Apply online

Apply for a new flat on the HDB Flat Portal during a sales exercise with a valid HFE letter. Your flat application will be processed based on the HFE letter you submitted. Other HFE letters, whether issued earlier or later, will not be considered.

Find out more about modes of sales and application of flat. Subscribe to HDB eAlerts to be notified of the sales exercises.

You will receive an email notification to log in to the HDB Flat Portal to check the ballot results within 2 months after the applications period has closed. The timeline to release the ballot results is dependent on the sales exercise and flat supply.

Book a flat

The booking exercise commences from 4 weeks after the release of the ballot results. It will take several months to complete, depending on the flat supply and the take-up rate. You will be invited to book a flat based on your balloted queue position and receive our invitation about 2 weeks before your booking appointment. Find out more on booking of flat.

Sign Agreement for Lease

You will be invited to sign the Agreement for Lease within 9 months after booking a flat. Find out more on sign Agreement for Lease.

Collect keys

You will be invited to collect keys when your booked flat is ready. Find out more on key collection.