Moving from private property to an HDB flat.
Since 2022, private property owners who sold had to wait 15 months before buying a non-subsidised HDB resale flat. On 28 July 2026 that wait-out was removed for most buyers.
Who no longer has to wait?
Private property owners, and former owners, buying a non-subsidised HDB resale flat without an HDB housing loan or CPF Housing Grant. This applies to all ages and any flat size.
Who is still affected?
If you plan to use an HDB housing loan or a CPF Housing Grant, other eligibility rules still apply. Check your HDB Flat Eligibility (HFE) letter before you commit.
Do I still have to sell my private property?
Yes. If you still own private property when you buy the resale flat, you must sell it within 6 months of the resale flat purchase completing. Confirm the conditions on your HFE letter.
Why it matters
For right-sizers, and for families selling a condo to move near parents, there is no longer a 15-month gap to fill with rental. You can sell and buy in one move.
Plan the move
- Get your HFE letter first.
- Work out your proceeds from the private sale, including any Seller’s Stamp Duty if you bought recently.
- Price the resale flats you want from recent transactions: HDB prices by town.
- Line up the dates: sell-and-buy timelines.
Official references
- AsiaOne — 15-month wait-out period removed (28 July 2026)
- HDB — The 15-month wait-out scheme (21 Oct 2022, background)
Checked 11 November 2026. General guidance: confirm your eligibility, financing and transaction conditions for your circumstances before committing.