Application

After the buyers have exercised the Option to Purchase (OTP), you and the buyers 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 buyers. 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 buyers 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.

When to submit the resale application

You and the buyers may proceed to submit the resale application and the necessary documents after the buyers have exercised the OTP.

Both parties must submit their respective portions of the resale application and all necessary documents, according to the following time-specific requirements:

(i) Submission by the second party within 7 calendar days Either you or the buyers may submit the respective portion of the resale application and the necessary documents first. Thereafter, the second party must submit their portion within 7 calendar days. If this is not done, the application will lapse and both parties have to restart the application process and pay the application fees.
(ii) Submission of application to HDB (according to Clause 12 of the OTP)

Under Clause 12 of the OTP, you and the buyers will agree on the timeframe to submit your resale application to us.

This is a contractual term between you and the buyers. 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.

Information required for resale application

You have to provide the listed information when you submit the resale application.

You need to provide the following information:

Option to Purchase details
  • Your flat address
  • Buyers’ particulars (such as name and NRIC)
  • OTP serial number
  • Option Date
  • Purchase Price
  • Option Fee
  • Option Exercise Fee
  • ‘Acceptance’ date
You and your co-owners’ particulars

You need to verify and provide the details of all the sellers in the application form and submit supporting documents (in either 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 Sell.

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 buyers’ 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 buyers will have to restart the application process and pay the application fees again.

You may be required to submit the following documents (if applicable):

  • Identity Card or Passport (for non-citizens)
  • Duplicate Lease, if it has been issued
  • Deed of Separation, Divorce Certificate, Decree Nisi/ Interim Judgement, Certificate Making Decree Absolute/ Certificate Making Interim Judgement Absolute
  • Power of Attorney
  • Lasting Power of Attorney
  • A Letter of Consent from the Official Assignee, if applicable

If one of the sellers is deceased or if you and your co-owner are divorced, read additional information for more details on the documents required.

Declarations regarding your Sale

Undischarged bankrupt

If you are an undischarged bankrupt, prior consent from the Official Assignee (OA) may be required before selling your flat. Read more in bankruptcy.

Engaging solicitors

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.

If you have an existing housing loan from the financial institution (FI), you must engage private solicitors to act for the redemption of the housing loan as well. You may wish to approach your FI to find out the list of solicitors under their panel, and check with the solicitors to get an estimate of the legal fees payable.

Application for Enhanced Contra Facility

The Enhanced Contra Facility allows you to sell your existing flat and use the sale proceeds (comprising CPF refund and cash) to purchase another 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.

Appointing a Power of Attorney

If you are unable to sign the Option to Purchase or the legal documents personally when selling a resale flat, you must appoint a Power of Attorney. Read more about appointing a Power of Attorney.

Application for Temporary Extension of Stay

You must move out of the flat when the resale transaction is completed. If you have bought another completed property in Singapore and need more time to move out, you may arrange with your buyers to extend your stay in the flat, for up to 3 months from the completion of the resale transaction.

Read more about temporary extension of stay.

Resale application fees

You and the buyers will each pay an administrative fee when submitting your respective portions of the resale application and the necessary supporting documents.

Flat Type
1- and 2-room 3-room and bigger

Resale Application Fee*

(Payable by buyers and sellers)

$40 $80
Mode of Payment

For the HDB Resale Portal:

  • 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
* Fees paid are non-refundable and include GST.

After submission of resale application

You and the buyers 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 buyers, 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 14 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.

Cancellation of resale application

There may be scenarios which would result in the cancellation of your resale application.

Your application will be cancelled if:

  • You or the buyers have decided to withdraw the application by giving notice in writing to us
  • Your buyers do not have sufficient funds to complete the flat purchase
  • The information given in the resale application is incorrect or either party has suppressed any information required (in addition to any other actions that HDB may take or penalties that HDB may impose) 
  • You or the buyers are not eligible to retain the application under HDB's prevailing policies
  • The transaction is aborted for any reasons whatsoever

Additional Information

Additional documents required if the flat owner is deceased

You will have to submit these documents with the resale application.

If the sole-owner or co-owner of the flat is deceased, you need to submit the following documents (if applicable):

  • Death certificate^ of deceased owner
  • Grant of Letter of Administration/ Grant of Probate
  • Last Will/ Inheritance Certificate of the deceased
  • Order of Court to sanction the sale

If the documents to be submitted are in languages other than English, Chinese, Malay or Tamil, an official translation in English of these documents is required.

^ Either physical or digital copy of the death certificate

Additional documents required if the flat owners are divorced or separated

You will have to submit these documents with the resale application.

If the owners of the flat are divorced or separated, you need to submit the following documents:

  • Deed of separation or Interim Judgment (previously known as Decree Nisi) and Certificate of Making Interim Judgment Final (previously known as Decree Nisi Absolute)
  • Order of Court, if any
  • Any other documents of the divorce

If the documents to be submitted are in languages other than English, Chinese, Malay or Tamil, an official translation in English of these documents is required.

Power of Attorney

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 seller, you have to sign documents personally, such as:

  • Option to Purchase
  • Application forms
  • Declarations forms
  • Legal documents

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.

What must you and your private solicitor do?

Steps Process
Step 1: Preparing the POA Engage a solicitor to prepare the POA.
Step 2: Signing the POA

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.

Step 3: Registering the POA After your POA has been signed, your solicitor will register the POA with the High Court Registry.
Step 4: Submitting required documents to HDB

Once the POA has been registered, you have to state this in the application form and submit the following documents to us:

  • Certified true copy from the High Court + 2 photocopies
  • 2 certified true copies of the POA registered with the High Court by an Advocate and Solicitor
  • A letter from the solicitor confirming that the standard format for POA provided by HDB has been used
  • Certified true copy by an Advocate and Solicitor together with the computer printout with the High Court seal where POA has been registered through the Electronic Filing System
Important points to note:
  • If you are travelling overseas, you are advised to obtain the POA before leaving the country
  • The POA cannot be used for the signing of the following documents, which you must sign personally:
    • Application form
    • Statutory declarations (you must sign in the presence of a Commissioner of Oaths or Notary Public)
    • Any undertakings
  • If you have submitted an original POA or a certified true copy of the POA from the High Court to us, it will be returned to your solicitor. This is after the Lease & Mortgage document has been registered with the Singapore Land Authority
  • However, certified true copies of the POA by your solicitors will be retained by HDB

Bankruptcy

If you are an undischarged bankrupt, you may need to obtain consent from the Official Assignee (OA) or the private trustee before selling your flat.

If you are undischarged bankrupt, prior consent must be obtained from the OA or private trustee before selling your flat, if none of the flat owners are Singapore Citizens (SCs).

You do not need to seek consent of the OA if one of the flat owners is a SC and the flat owners wish to sell the flat.