Guides

Sell-and-buy timelines.

The usual milestones when you sell an HDB flat and buy your next home. Your own dates depend on your buyer, your seller, the bank and HDB, so we set them together.

Sell HDB, buy HDBSell HDB, buy a resale condo or landedSell HDB, buy a new ECSell HDB, buy a new launch condo

Sell HDB, buy HDB.

Sell HDB

  1. Issue OTPwithin 21 days
  2. Exercise OTP7–70 days
  3. Submit HDB application4 weeks
  4. HDB acceptance8 weeks
  5. Completionup to 3 months extension of stay
  6. Handover

Buy HDB

  1. Start buying
  2. Option to purchase3 weeks after your sale is submitted
  3. Submit HDB application
  4. Completion3 weeks after your sale completes
  5. Renovationabout 10 weeks
  6. Move in

Sell HDB, buy a resale condo or landed.

Sell HDB

  1. Issue OTPwithin 21 days
  2. Exercise OTP7–70 days
  3. Submit HDB application4 weeks
  4. HDB acceptance8 weeks
  5. Completionup to 3 months extension of stay
  6. Handover

Buy private

  1. Start buying
  2. Option to purchase14 days
  3. Exercise OTPabout 9 weeks
  4. Completion3 weeks after your HDB completes
  5. Renovationabout 10 weeks
  6. Move in

Sell HDB, buy a new EC.

Buy new EC

  1. Secure the unit at launch price5% booking fee · 8–9 weeks
  2. Exercise S&P15% · 2 weeks
  3. Pay stamp dutyabout 3 years to TOP
  4. TOP25% · 1 year
  5. Legal completion15%

Sell HDB (when the EC nears TOP)

  1. Issue OTPwithin 21 days
  2. Exercise OTP7–70 days
  3. Submit HDB application4 weeks
  4. HDB acceptance8 weeks
  5. Completion3 weeks before TOP · extension of stay
  6. Move into the EC

Sell HDB, buy a new launch condo.

Sell HDB

  1. Issue OTPwithin 21 days
  2. Exercise OTP7–70 days
  3. Submit HDB application4 weeks
  4. HDB acceptance8 weeks
  5. Completionrent for 2 years or more

Buy new launch

  1. Secure the unit at launch priceno ABSD · 5% booking fee · 8–9 weeks
  2. Exercise S&P15% · 2 weeks
  3. Pay stamp duty2–3 years to TOP
  4. TOP25% · 1 year
  5. Legal completion15%

Your dates will be different.

These timelines are a general guide; every case is different. Send me your plan and I will map your own dates, with the cash needed at each step.

Map my timeline
Hanson Ong