How to sell your HDB flat, step by step.

Step 1: Register your Intent to Sell

Register on the HDB Flat Portal with Singpass. HDB gives you a preliminary eligibility check, and you need it before you can grant an Option to Purchase. Take care with the details: what you enter here cannot be changed later.

Step 2: Price, prepare and market the flat

Price from recent registered sales in your own block and street, by storey and flat type, not the town average. Value my HDB shows them. Then presentation: decluttering, small repairs, photography and video. See home staging and photography.

Step 3: Grant the Option to Purchase (OTP)

When you agree a price, you grant the buyer an OTP on HDB’s form.

• Option fee: up to $1,000. It cannot be $0.
• Deposit: the option fee plus the exercise fee, up to $5,000 in total.
• Option period: 21 calendar days, including weekends and public holidays, ending at 4pm on the last day.
• The buyer must hold a valid HDB Flat Eligibility (HFE) letter when you grant the OTP.
• If the buyer does not exercise, the OTP lapses and you keep the option fee.

Step 4: Submit the resale application

After the buyer exercises the OTP, you and the buyer each submit your part of the resale application on the HDB Flat Portal. If you need to stay on after completion while your next home is ready, request a temporary extension of stay here.

Step 5: HDB accepts the application

Once both parts and all documents are in, HDB notifies both sides of its acceptance within 28 working days if everything is in order. HDB then inspects the flat.

Step 6: Endorse documents and pay fees

You and the buyer endorse the resale documents and pay the fees. HDB then approves the resale.

Step 7: Completion

Completion is about 8 weeks after HDB accepts the application. HDB confirms the date by SMS and on My Flat Dashboard. At completion, your outstanding loan is repaid, your CPF is refunded and the rest is paid to you. See CPF refund when you sell.

How long does it take in total?

From granting the OTP to completion, plan for about 4 months: up to 21 days for the buyer to exercise, up to 28 working days for HDB to accept, then about 8 weeks to completion. The sell-and-buy timelines show how this lines up with your next purchase.