Acceptance and Approval

After HDB receives the complete resale application and supporting documents from you and the sellers, we will verify both parties’ eligibility and review the documents. If the application and documents are in order, we will notify you and the sellers of HDB’s acceptance of the application via SMS or email.

Acknowledge and endorse resale documents

You and the sellers must endorse the documents before HDB may approve the resale application.

We will prepare the necessary documents for you and the sellers to endorse, which will be ready about 3 weeks after the application have been accepted.

Once the documents are ready, they will be posted on the HDB Resale Portal, and we will notify you and the sellers via SMS to log in to the HDB Resale Portal to endorse the documents.

If you or the sellers do not endorse the documents within the given timeframe, the resale application may be cancelled.

If you appoint HDB as the solicitors for the purchase of the flat, the documents to endorse include:

Buyer’s financial plan

A proposed financial plan based on what you have stated in your resale application.

If you wish to make changes to the draft financial plan, please revise and endorse the financial plan in the HDB Resale Portal.
CPF withdrawal

The CPF withdrawal based on the endorsed financial plan.

Please ensure that all the buyers have sufficient savings in the CPF Ordinary Accounts for the payment. If there are insufficient funds in the CPF accounts at the point of the deduction, you have to pay any shortfall in cash.
Health declaration for CPF Board’s Home Protection Scheme If you are taking an HDB housing loan and/ or using your CPF savings to pay for the flat purchase, you must fill up a Health Declaration form to declare your share of the insurance coverage and health status, for the CPF Board’s Home Protection Scheme (HPS).
Resale documents

You must endorse all the undertakings and forms posted on the HDB Resale Portal.

If you have applied for the Proximity Housing Grant, your parents or child will also need to endorse the undertakings on the HDB Resale Portal. They will need to log in the portal via their Singpass.

If you appoint your own solicitors for the purchase of the flat, the documents that you will endorse may be different from the above.

Important note:
  • The resale documents must be endorsed individually by all the buyers. Read through the documents before endorsing them. The documents are in PDF format and you may save a copy for reference
  • You can check the status of the endorsement process via the HDB Resale Portal

Pay legal fees and make initial payment

After you have endorsed the documents, you must make payment for all the required fees within the notice period given by HDB.

Legal fees

The legal fees payable depends on the solicitors you appoint to act for you.

If you engage HDB to act for you in the purchase, you may get an estimated legal fee by using our Legal Fees Enquiry e-Service.

HDB is acting in the purchase

Type of Fee Amount

Legal fees

To HDB

(Subject to GST)

For transfer of flat ownership to buyers

[Based on the resale price and subject to a minimum fee of $21.60 (inclusive of GST); 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 if the buyers are taking an HDB housing loan

[Based on loan amount and subject to a minimum mortgagee fee of $21.60 (inclusive of GST) and a minimum mortgagor’s fee of $21.60 (inclusive of GST); 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

If HDB is acting for you in the mortgage of the flat to HDB:

  • Minimum mortgagor's fee: $21.60 (inclusive of GST) (for all flat types); and
  • Minimum mortgagee's fee: $21.60 (inclusive of GST) (for 1- and 2-room flats) and $43.20 (inclusive of GST) (for 3-room and bigger flats)

Registration and microfilming

To Registry of Land Titles and Deeds
  • Title Search Fee: $32
  • Registration fee for Transfer: $38.30
  • Registration fee for Mortgage (if the buyers are taking an HDB housing loan): $38.30
  • Buyer’s caveat: $64.45
  • Mortgagee’s caveat (if the buyers are taking an HDB housing loan): $64.45

Miscellaneous fees

To HDB

(Inclusive of GST)

 $16.20

Private solicitors are acting in the purchase

Type of Fee Amount

Legal fees

To HDB

(Subject to GST)

For mortgage if the buyers are taking an HDB housing loan

[Based on loan amount and subject to a minimum fee of $21.60 (inclusive of GST) for 1 room and 2 room flats and $43.20 (inclusive of GST) for other flat types; 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
Registration and microfilming
  • Title Search Fee: $32
  • Registration fee for Transfer: $38.30
  • Registration fee for Mortgage (if the buyers are taking an HDB housing loan): $38.30
  • Buyer’s caveat: $64.45
  • Mortgagee’s caveat (if the buyers are taking an HDB housing loan): $64.45

Miscellaneous fees

(Inclusive of GST)

 $5.40

Payment

After endorsing the documents, you must pay the legal fees within the notice period given by HDB:

Payment Modes Details
Credit Card Visa or Mastercard
AXS

AXS Station

AXS M-Station

AXS E-Station
PayNow

Supported by the following banks:

  • Bank of China
  • Citibank
  • DBS/ POSB
  • HSBC Bank
  • ICBC
  • Maybank
  • OCBC Bank
  • Standard Chartered Bank
  • UOB
CPF savings Only applicable for legal fees

Stamp duty

The stamp duty is payable by CPF savings. If you wish to use cash instead of your CPF savings, contact us using our e-Feedback form with your request after the resale application is accepted. If you do not have enough CPF savings to pay the stamp duty in full, you must pay the balance during the resale completion appointment by cashier's order and/ or NETS.

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)

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 solicitor who is acting for purchaser or mortgagor.

Note: Singapore Permanent Resident (SPR) households buying their first HDB resale flat must pay the Additional Buyer's Stamp Duty (ABSD), on top of the Buyer's Stamp Duty. For more information on the ABSD, please visit IRAS’s website.

Initial payment

You must make the initial payment of the purchase price after endorsing the resale documents. The amount is based on the lower of the resale price and value, as well as the type of housing loan you may be taking. For those who are taking a housing loan from a financial institution (FI), they are not required to make the initial payment to HDB.

Housing Loan from HDB/ Not taking any loan Housing Loan from Financial Institution (FI)
Loan-To-Value (LTV) Limit of 75% Loan-To-Value (LTV) Limit of 55%
Initial Payment 20% of resale price or value of the flat, whichever is lower 25% of resale price or value of the flat, whichever is lower 45% of resale price or value of the flat, whichever is lower
Mode of Payment 20% using CPF Ordinary Account savings (including CPF housing grants if eligible) or cash
  • Minimum 5% cash payment
  • Remaining 20% using CPF Ordinary Account savings (including CPF housing grants if eligible) or cash
  • Minimum 10% cash payment
  • Remaining 35% using CPF Ordinary Account savings (including CPF housing grants if eligible) or cash
When to Pay Online CPF withdrawal after you have confirmed the financial plan via the HDB Resale Portal Please check with your solicitors for the payment schedule.

After making the initial payment, the balance purchase price must be paid on or before the resale completion.

Approval of resale application

We will grant an approval for the resale transaction in 2 weeks' time after you and the sellers have endorsed the resale documents and made the necessary payments.

Both parties are advised to endorse the documents and make all payments promptly to avoid any delay or cancellation of the resale application.

We will notify you and the sellers of the approval via SMS and email and post the approval letter on the HDB Resale Portal.

Resale completion

We will notify you and the sellers via SMS once the appointment is scheduled.

You may log in to the HDB Resale Portal to view the completion letter, which provides information on what you need to prepare for the appointment, such as payment of the balance purchase price and any outstanding fees as well as documents required for the appointment.

If you have appointed HDB as solicitors for the purchase of the flat, you must attend the resale completion appointment in person at the HDB Hub.

Find out what you need to prepare before the resale completion appointment.