When can I sell my HDB flat?

What is the MOP?

The Minimum Occupation Period is the time you must physically live in your flat before you can sell it on the open market, rent out the whole flat, or buy a private home while keeping it.

How long is the MOP?

• Standard flats (BTO and resale): 5 years.
• Plus and Prime flats: 10 years. Owners of Plus and Prime flats cannot rent out the whole flat, even after the MOP.
• Executive condominiums: 5 years, counted from the Temporary Occupation Permit (TOP), before the unit can be sold on the open market.

When does the clock start?

For a BTO flat, the MOP counts from the day you collect your keys, not the day you booked or signed. For a resale flat, it counts from the date the resale was completed. Your exact end date is on My HDBPage, under your flat’s details.

Can I start selling before the MOP ends?

You can plan, value your flat and line up your next home before the MOP ends. What you cannot do is grant an Option to Purchase early: HDB states that an OTP granted before the MOP is met is null and void. Waivers exist but are decided case by case, so do not plan around one.

Plan the 6 to 12 months before your MOP date

• Check the end date on My HDBPage.
• Know your numbers: what your flat could sell for, the CPF you will refund and the cash you will keep. My numbers does this in a few minutes.
• Decide the order: sell first, buy first, or line both up. If you are buying private, read ABSD when upgrading before you commit.
• Prepare the flat: small repairs, decluttering and good photos make the first weeks of marketing count.