Application Procedure

As a change in flat ownership involves legal processes, it takes about 4 months* to complete after HDB has received the complete set of application. These are the steps involved in a change in flat ownership transaction.

*Note that this is an estimate, and some cases that are more complex could take longer to process.

Step 1: Submit online application for change in flat ownership

Before submitting the application for a change in flat ownership, all current and proposed owners are required to:

Thereafter, submit the application through My HDBPage and the required supporting documents (PDF, 22 KB) through MyDoc@HDB (e-Services > MyDoc@HDB). After the 1st applicant has initiated the application, all the other current and proposed owners need to provide their consent to the change in flat ownership through My HDBPage.

Owners should note that the above steps needs to be completed before HDB can process the application. Incomplete applications may be rejected.

If the change in flat ownership involves owners who lack mental capacity, the Donee named in the Lasting Power of Attorney or Court-appointed Deputy may contact us through our feedback form to find out more on the application procedures and requirements.

Step 2: Receive HDB's approval and information on estimated payments

HDB will assess the applicants' eligibility after receiving the complete set of application (including all applicants' electronic consent and the required supporting documents).

If the proposed owners are eligible for the change in flat ownership, the current and proposed owners will receive a letter 2 to 6 weeks after the application, which provides information on:

  • HDB's approval
  • Estimated fees payable
  • Documents to prepare before attending the completion appointment

For owners with an existing bank loan, please inform your private lawyers to obtain HDB’s approval for the change in flat ownership before serving the Notice of Redemption to the bank.

Step 3: Fix completion date and attend appointment to complete the change in flat ownership

About 2 to 3 months after HDB’s approval, the current and proposed owners will be notified to attend the completion appointment at the HDB Branch to:

  • Execute legal documents
  • Confirm the fresh mortgage loan (if the proposed owners are taking a loan from HDB)
  • Make all payments relating to the transaction (including settlement of all outstanding amounts for the flat)

All current and proposed owners, as well as their spouses, must attend this appointment personally on the same day to complete the ownership change.

If any of the current or proposed owners are unable to attend the appointment in person, he/she would need to appoint a private lawyer to act for them in the change in flat ownership.