Here is an overview of the resale process:

Buying and Selling a Resale Flat

Buying a resale flat

Log in to HDB Resale Portal to start your journey. You will be guided through the following steps for the buying process:

Buying a Resale Flat

Step 1: Register Intent to Buy

Register an Intent to Buy and receive a preliminary assessment of your eligibility for the purchase of an HDB resale flat, CPF housing grants and an HDB housing loan. Use the budget calculator to work out your budget.

If you intend to manage the purchase on your own, read managing the flat purchase and consider signing up for our resale seminars to learn more about resale policies and procedures.

Use our HDB Map Services, resale flat prices and resale statistics in your search for an HDB flat.

Step 2: Search for a suitable flat and obtain an Option to Purchase (OTP) from flat seller

After registering an Intent to Buy, you may look for a suitable flat that meets your budget. Obtain an Option to Purchase (OTP) from the flat seller* after you have agreed on the flat price.

* Sellers must have registered an Intent to Sell for more than 7 days.

Step 3: Confirm mode of financing

If you intend to get an HDB housing loan, you will need a valid HDB Loan Eligibility (HLE) letter from HDB before flat sellers may grant you an OTP.

If you intend to get a housing loan from a financial institution, you must have a valid Letter of Offer before you exercise the OTP.

Step 4: Submit Request for Value

If you are paying for the flat purchase with CPF savings and/ or housing loan, submit a Request for Value by the next working day after you get the OTP.

This is not required if you are not using your CPF savings and any housing loan to pay for the flat purchase.

Step 5: Exercise Option to Purchase

To proceed with the flat purchase, you must exercise the OTP during the Option Period. If you are taking a housing loan or using your CPF savings to pay for the flat, ensure that the flat value^ is available before you exercise the OTP.

^See step 4

Step 6: Submit resale application

After you exercise the OTP, you and the sellers must submit the respective portions of the resale application.

Step 7: Endorse documents and pay fees

You and the sellers must acknowledge and endorse the resale documents, and pay the necessary fees.

Step 8: Get resale approval

After the fees are paid, HDB will grant an in-principle approval for the resale transaction, and process the application.

Step 9: Attend completion appointment

Resale completion is about 8 weeks from the date of HDB’s acceptance of the resale application. You and the sellers will be notified via SMS once the appointment is scheduled. You may also log in to the HDB Resale Portal for the appointment details.