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After you have exercised the Option to Purchase (OTP), you and the sellers must submit the respective portions of the resale application and the necessary supporting documents via the HDB Resale Portal. Salespersons may submit resale applications on behalf of their clients via e-Resale or Estate Agent Toolkit (for agencies which are subscribers).
Upon receiving the resale application and supporting documents, HDB will verify the information provided by you and the sellers. Both parties must ensure that they are eligible for the transaction.
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. Thereafter, it will take about 8 weeks to process the application and complete the transaction.
You and the sellers may proceed to submit the resale application and the necessary documents after you have exercised the OTP.
Both parties must submit the respective portions of the resale application and all the necessary documents, according to the following time-specific requirements:
Under Clause 12 of the OTP, you and the sellers have agreed on the timeframe to submit the resale application to us.
This is a contractual term between you and the sellers. Any variation requires the mutual agreement of both parties
A resale application is complete only when HDB receives both buyers’ and sellers’ portions of resale application and the necessary supporting documents. Otherwise, the application will lapse and both parties have to restart the application process and pay the application fees. Application fees are non-refundable.
You need to provide the listed information when you submit the resale application.
You have to provide the following information:
You need to verify and provide the details of all applicants and occupiers listed in the application and submit all the supporting documents (in PDF or JPG format). The list of documents required will be provided in the HDB Resale Portal when you submit your resale application. Do note that the information provided should be the same to those given in your Intent to Buy.
If you need time to prepare the necessary documents, you may save your application as a draft, and retrieve your application for submission once you have prepared the necessary documents. The draft application will be available for 2 weeks.
It is your flat sellers’ and your responsibility to ensure that all the supporting documents are submitted together with the respective portions of the resale application. Incomplete documents may lead to your application being rejected, and you and the flat sellers will have to restart the application process and pay the application fees again.
You may be required to submit the following documents (if applicable):
You have to state whether you are taking a housing loan from HDB or financial institution (FI).
If you are taking an HDB housing loan, you have to provide the reference number of the approved HDB Loan Eligibility (HLE) letter.
If you are taking a housing loan from a FI, you have to submit a Letter of Offer from the FI.
Application for CPF housing grants
Proximity Housing Grant
You have to state in the resale application if you are applying for any of the following grants:
For CPF Housing Grant, EHG and Step-Up CPF Housing Grant applications, you have to submit your household’s income documents for assessment.
Read the eligibility conditions to find out if you are eligible for any CPF housing grants.
If you are buying the resale flat jointly with others (up to a maximum of 4 owners), you have to state the manner of holding, i.e., how you and the other co-owners intend to hold the flat. Read more about manner of holding.
Ownership of property
Flat buyers have to dispose of their existing flat and/ or interest in private residential properties in Singapore or overseas, within 6 months of buying a resale flat. Read more in ownership of property.
If you are an undischarged bankrupt, prior consent from the Official Assignee (OA) or the private trustee may be required when buying a flat. You have to submit a Letter of Consent from the OA, if applicable. Read more in bankruptcy.
You must state in your resale application whether you are appointing HDB as your solicitors or engaging private solicitors to act for you in the conveyancing of the resale transaction.
If you wish to appoint HDB, you may get an estimate of the cost using our Legal Fees Enquiry e-Service. Find out more about payment of legal fees.
The Enhanced Contra Facility allows you to sell your existing HDB flat and use the sale proceeds (comprising CPF refund and cash) to buy a resale HDB flat.
If you intend to apply for the Enhanced Contra Facility, you need to state so in your application form. Read more about Enhanced Contra Facility.
If you are unable to sign the Option to Purchase or the legal documents personally when buying a resale flat, you must appoint a Power of Attorney.
Read more about appointing a Power of Attorney.
The sellers must move out of the flat when the resale transaction is completed. Sellers may arrange with you to extend their stay temporarily in the flat, for up to 3 months from the completion of the resale transaction.
Read more about temporary extension of stay.
^ Either physical or digital copy of the Identity Card, birth certificate or death certificate
You and the sellers will each pay an administrative fee when submitting the respective portions of the resale application and the necessary supporting documents.
Resale Application Fee*
(Payable by buyers and sellers)
For the HDB Resale Portal:
You and the sellers have to submit your respective portion of the resale application within 7 calendar days. Otherwise, the application will be cancelled, and the application fees paid are non-refundable.
Upon receiving a complete resale application and the full set of the supporting documents from you and the sellers, we will verify the eligibility of both parties, and review the supporting documents.
If the application is in order, we will notify both parties of HDB’s acceptance within 28 working days, via SMS and emails. You may log in to the HDB Resale Portal to view the status of your resale application.
The date of HDB’s acceptance of the resale application marks the beginning of the 8 weeks processing time. The resale completion date stated in HDB's acceptance letter is the earliest possible date to complete the transaction. You and the flat sellers may mutually agree on a later date and submit the request via MyRequest@HDB.
During these 8 weeks, you have to endorse documents which HDB has prepared for you through the HDB Resale Portal and pay the necessary fees online. An in-principle approval for resale will be granted once the documents are endorsed and the payments made. We will notify you and the sellers of the resale completion appointment once it is scheduled.
Read more in acceptance and approval.
There may be scenarios which would result in the cancellation of your resale application.
Your application will be cancelled if:
To apply for the CPF Housing Grant, i.e. the Family Grant or Singles Grant, you have to submit the relevant income documents of all the persons (co-applicants and occupiers) listed in the flat application.
Prepare the required documents based on the nature of employment as listed below.
Note: If your income includes allowances, we will require 6 months’ payslips preceding the month of application.
(including private hire drivers, stallholders, etc.)
Odd job worker
(including freelancers, etc.)
(from 18 to 62 years old)
The CPF Housing Grant can be used to:
The grant will be fully credited into the CPF Ordinary Accounts of eligible first-timer Singapore Citizen (SC) applicants. It will not be paid in cash.
If you are buying the flat with a housing loan from a financial institution, the grant will be included in the computation of withdrawal of CPF savings (up to the applicable limits). The grant cannot be used for the minimum cash downpayment (if any) and monthly housing loan instalment payments.
Multi-nuclei SC applicants, e.g.:
To apply for the EHG, you have to submit the relevant income documents of all the persons (co-applicants and occupiers) listed in the flat application.
The income documents required for the application for the EHG application will depend on the nature of your employment. We may also request further documentation if needed.
The EHG can be used to:
The EHG will be fully credited into the CPF Ordinary Accounts of eligible first-timer Singapore Citizen (SC) applicants. It will not be paid in cash.
To apply for the Step-Up CPF Housing Grant, you have to submit the relevant income documents of all the persons (co-applicants and occupiers) listed in the flat application.
The income documents required for the application for Step-Up CPF Housing Grant will depend on the nature of your employment. We may also request further documentation if needed.
The Step-Up CPF Housing Grant can be used to:
The grant will be fully credited into the CPF Ordinary Accounts of eligible Singapore Citizen (SC) applicants. It will not be paid in cash.
If you are buying the flat with a housing loan from a financial institution, the grant will be included in the computation of withdrawal of CPF savings (up to the applicable limits). The grant cannot be used for the minimum cash downpayment and monthly housing loan instalment payments.
If there is more than one buyer in your resale application, you must state the manner of holding to determine the share of ownership of the flat.
All the flat owners have an equal share on the flat regardless of how much each co-owner may have contributed to buy the flat.
The right of survivorship applies. This means that should any co-owner passes away, his/ her interest in the flat will be automatically passed on to the remaining co-owner(s). This is regardless of whether a will has been made by the deceased co-owner.
Each co-owner holds a separate and definite share in the flat. Nevertheless, all the co-owners are entitled to use the whole flat, regardless of their share.
The right of survivorship does not apply. On the death of any co-owner, his/ her interest in the flat will be distributed according to his/ her will (if any). If there is no will, the interest in the flat will be distributed to his/ her beneficiaries in accordance with the Intestate Succession Act.
You and all the people listed in the application must declare any interest in any private property when submitting the resale application.
The declaration includes private residential, commercial (including market/ hawker stalls), and industrial properties, both in Singapore and overseas.
If you or any person listed in the flat application owns or has an interest in local or overseas private residential property, you must dispose of the property within 6 months from the completion of the flat purchase and provide the documentary proof to the HDB Branch.
When buying or selling an HDB flat, certain matters must be attended to at different stages of the process. The POA is required if you are unable to attend to these matters personally.
A Power of Attorney (POA) is a legal document that allows a person ('donor') to appoint another person ('attorney') to act on his behalf and in his name on matters specified in the POA.
As a flat buyer, you must sign documents personally, such as:
If you are unable to attend to these matters personally, you have to approach a solicitor to prepare a POA to act on your behalf in the flat purchase.
The POA has to be signed by you in the presence of your solicitor. If you are already overseas, you must sign the POA in the presence of one of the following parties:
* If you are using CPF Ordinary Account (OA) savings to buy a flat, the POA must be witnessed and sealed/ stamped by an official from a Singapore Overseas Mission instead. You may visit the MFA's website for more details on the nearest Singapore Overseas Mission.
Once the POA has been registered, you have to state this in the application form and submit the following documents to us:
You are required to indicate in your application form if you are an undischarged bankrupt.
If you are an undischarged bankrupt, prior consent must be obtained from the Official Assignee (OA) or the private trustee, if:
You do not need to seek consent from the OA or private trustee if you are listed as an occupier of a flat.
Find out what actions buyers need to take before the resale application is approved.
Obtain details on the resale completion appointment and the actions to take before and during the appointment.
Learn about the conditions that flat buyers have to follow after moving into their flat.