HDB valuation when you sell.
Sellers often ask what HDB will value their flat at before they list. You cannot get HDB’s valuation in advance: it only happens after you grant the buyer an Option to Purchase. So the asking price has to stand on recent transactions.
When does HDB value the flat?
After you grant the OTP, the buyer submits a Request for Value if they are using CPF or a housing loan. It must be submitted by the next working day after the Option Date, through My Flat Dashboard, with page 1 of the OTP. The fee is $120 including GST, paid by the buyer.
What do I need to do as the seller?
Let the valuer in. HDB’s resale terms require the seller to give the valuer access within 3 working days of HDB’s notification. Keep the flat tidy for the visit, as you would for a viewing.
How long does the valuation take?
The outcome is typically available within 10 working days of the request, and it is valid for 3 months. Because the option period is 21 days, the valuation usually comes back before the buyer must decide whether to exercise.
What is cash over valuation (COV)?
If the agreed price is higher than HDB’s valuation, the difference is cash over valuation. The buyer must pay COV in cash: it cannot come from a loan or CPF. A large COV can make a buyer hesitate or ask to renegotiate.
How do I price so the valuation does not derail the sale?
- Price from recent registered sales in your block and street, same flat type and similar storey. Value my HDB shows them.
- Expect the buyer’s agent to compare the same transactions. A price you can justify with evidence holds up when the valuation comes in.
- If the valuation comes in below the price, the buyer can pay the COV in cash, ask to renegotiate, or let the OTP lapse, in which case you keep the option fee.
Official references
Checked 11 November 2026. General guidance: confirm your eligibility, financing and transaction conditions for your circumstances before committing.