In order to be eligible to sell your HDB Flat, you must first fulfil some conditions:

1) Minimum Occupation Period (MOP) of 5 years:

• Log in to My HDBPage (Singpass required) and check if you have completed the MOP

2) Ownership of only 1 HDB Flat:

• You can only own one HDB flat at a time and will need to sell your current flat before buying another HDB flat.

Note: If you are selling your old home before buying the new one, work out your moving plans and decide if you need temporary extension of stay.

To see what other eligibility conditions you will need to satisfy, click here.

Your sales proceeds should be first used to:

• Pay your outstanding housing loan
• Return CPF monies used to pay for your current flat, including the interest that you could have earned if kept in the CPF Ordinary Account
• Pay any other additional costs and fees (e.g. legal fees, property tax) which could cost you close to S$3000

See also: Computing your sales proceeds

Based on the estimated sales proceeds, you can work out your budget for your next home.

Estimate how much CPF you can use to buy your next home so you do not use up your CPF savings for your home.

You may find more details here about the timeline of selling an HDB flat

To sell your flat, you must first register your Intent to Sell.

Upon registering, HDB will instantaneously confirm your eligibility to sell and provide you with the following information:

• Ethnic Integration Policy (EIP) / Singapore Permanent Resident (SPR) Quota for the flat
• Status of upgrading, Billing status of upgrading costs
• Recent transacted prices of flats nearby

Consider the costs & fees involved (e.g. resale levy, stamp duty, property tax) when deciding your selling price.

Use this online Stamp Duty Calculator from the Inland Revenue Authority of Singapore website to calculate the stamp duty payable for your flat.

To enter into an OTP contract, you need to:

1. Negotiate and agree on selling price
2. You grant the OTP to Buyer via HDB Resale Portal and indicate the agreed Option Fee (between $1 and $1000).
3. Buyers to exercise OTP to proceed with the purchase or they can let the OTP expire after 21 calendar days should they decide not proceed with the purchase.
4. Decide when to submit resale application

You will require these documents on hand:

• Option-To-Purchase (OTP) contract details
• Seller Particulars
• Buyer Particulars
• Existing loans with HDB / Financial Institutions
• Declarations of Purchase

Either you or the buyer can be the first to submit, but the other party must submit within 7 calendar days. Seek your buyer’s agreement and indicate your request for temporary extension of stay when you submit your resale application.

You will need to endorse the documents and pay necessary fees online before your resale application can be approved.

You can check your resale application status or get notified via SMS once HDB uploads the approval letter on the resale portal.

You will need to rectify any unauthorised renovation works and vacate the flat before the Resale Completion Appointment so that the buyer can take possession of the resale flat after.

Apply for Temporary Extension of Stay if you are unable to vacate in time.

Note: this step can take about 8 weeks from here to the final step of completing the resale transaction.

Once HDB has scheduled your appointment, you will also receive SMS notification on your appointment with HDB.

This is the only resale appointment at HDB you and the seller need to attend.

At this appointment, you (and the seller) will:

• Sign the sales agreement (if you are taking an HDB housing loan)
• Hand over the keys to the buyer
• Agree on the payment arrangement of the outstanding property tax with the buyer