🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 193 (from laksa199)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa193.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://services.life.gov.sg/government-services/buy-hdb/\')), getAhrefsUnparsedNoserviceFromURL(\'https://services.life.gov.sg/government-services/buy-hdb/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/","crawl_time":1770015597,"first_indexed_time":1616769684,"http_code":200,"src_unparsed":"sg,gov,life!services,\/government-services\/buy-hdb\/ s443","src_root_hash":"3870227163290628593","history_drop_reason":null,"meta_title":"Buy an HDB Flat","meta_descriptions":["Buying an HDB Flat ON THIS PAGE Planning Your Flat Purchase Find out your eligibility to buy an HDB flat..."],"attrs_boilerpipe_text":"HOME\nARE YOU PLANNING TO\nBUY AN HDB FLAT\nBuying an HDB Flat\nON THIS PAGE\nPlanning Your Flat Purchase\nFind out your eligibility to buy an HDB flat\nPlan Your Finances\nApplying for a Flat From HDB\nBefore You Apply\nWhat to Expect\nSteps Involved\nBuying an HDB Resale Flat\nEligibility Criteria\nWhat to Expect\nSteps Involved\nPlanning Your Flat Purchase\nFind out your eligibility to buy an HDB flat\nUnderstanding your eligibility to buy an HDB flat\nThe eligibility criteria to buy an HDB flat depends on your citizenship, age, income ceiling as well as with whom you are buying the flat.\nAnother criteria to note is that you (and whoever listed in your application) do not own other property overseas or locally, and have not disposed of any within the last 30 months.\nFrom 9 May 2023, you must have a valid HDB Flat Eligibility (HFE) letter when you are buying an HDB flat:\nApply for a flat in HDB's sales launches or open booking of flats; or\nObtain an Option To Purchase (OTP) from a flat seller as well as when submitting a resale application to HDB.\nThe HFE letter will provide you with a holistic understanding of your housing and financing options and help you plan your flat budget before you embark on your home buying journey. If you are a second-timer, it will also provide information on the resale levy\/ premium that you will have to pay if you purchase another subsidised flat from HDB.\nSee also:\nOverview of Eligibility Conditions\nand Application for an\nHDB Flat Eligibility (HFE) letter\nPlan Your Finances\nWorking out your flat budget\nIt is important for you to work out your flat budget before committing to a flat purchase. Use the\nbudget or payment plan calculator\nto work out a customised financial plan.\nGetting a housing loan from Financial Institutions (FI)\nYou may also finance your flat purchase with a housing loan from a financial institution (FI) that is regulated by the Monetary Authority of Singapore (MAS) by finding out more\nhere\n.\nYou should consider and compare the different FI loan packages offered.\nIf you intend to take an FI loan, you may request for an In-Principle Approval (IPA) and Letter of Offer (LO) from the participating FIs through the integrated loan application service on the HDB Flat Portal.\nHow to Use CPF Savings to Pay for Your Flat\nYou can use your CPF Ordinary Account (OA) savings to pay for your new or resale HDB flats.\nClick here\nto calculate how much CPF you can use to buy a HDB Flat.\nFinancial Commitment as HDB Flat Owner\nIf you are a first-time homebuyer, you should also consider the\nvarious payments\nto make for an HDB housing loan, should you require one.\nCheck your affordability and minimise the housing loan amount and repayment period to save interest costs.\nSee also:\nABCs of financial planning and tools\nUse Contra Payment Facility if You Are an Existing HDB Flat Owner\nYou can consider the\nContra Payment Facility\nif you are buying an HDB flat and currently own another HDB flat.\nThis can help you to:\nReduce the cash outlay needed for your flat\nReduce the housing loan amount needed and the subsequent monthly repayments (without incurring interest)\nCollect the keys to your flat while selling your existing flat\nApply for Housing Grants\nFirst-time buyers may receive an Enhanced CPF Housing Grant of up to $80,000 when buying a new flat from HDB.\nIf they buy a resale flat, they can get up to $160,000 in housing grants. This comprises of the CPF Housing Grant of up to $50,000, Enhanced CPF Housing Grant of up to $80,000, and Proximity Housing Grant of up to $30,000.\nNote\n: The amount of grants obtained has to be returned to your CPF Ordinary Account with accrued interest when you sell your flat later. It is not the same as a subsidy where the prices are 'discounted'.\nSet off on your flat buying journey with your HFE Letter\nWith your HFE Letter, you can embark on your buying journey with certainty. Check out the infographic below for the next steps in your home buying journey.\nBACK TO TOP\nApplying for a Flat From HDB\nBefore You Apply\nTypes of New Flats\nThere are various types of flats that are built to suit a variety of needs:\n2-room Flexi for small families, singles and elderly\n3-room for cosy and compact home\n4-room for a comfortable living space\n5-room for larger households\nSee also:\nHDB flat types and its specifications\nHDB Priority Schemes\nBy applying through\nHDB Priority Schemes\n, you could improve your chances of getting a balloted number to book an HDB flat. However, do note that you can get priority for only up to 2 schemes.\nWhat to Expect\nSteps Involved\nCheck Flat Application Status\nAs an applicant, you can check for updates regarding your flat application and whether a queue number has been balloted to you.\nBook Your Preferred Flat Unit\nIf you have been shortlisted, you will be notified and invited to an\nHDB flat selection appointment\nwithin two weeks from the release of your ballot results.\nAt this appointment, you will be required to pay a booking fee via NETS.\nThe\nbooking fees\nrange from $500 to $2000 depending on the type of flat you choose.\nSign Agreement for Lease\nYou (and all persons listed in the application) will also need to bring along original copies of these\ndocuments\n:\nIdentity cards of all persons listed in the application\nLetter of Offer from the financial institution if you are taking a housing loan from a financial institution\nLatest CPF statement(s) if you are currently employed with CPF Board\nPower of Attorney (if you are authorising someone to represent you)\nThe person representing you must bring one certified true copy by the solicitors and two photocopies of the signed Power of Attorney\nYou will also need to log into your Singpass during your appointment if you intend to use CPF savings to pay for your downpayment (usually 10% of the flat price). You can consider if you can split your downpayment into 2 instalments using the\nStaggered Downpayment Scheme\n.\nCollect Your Keys\nYou will be invited by HDB to collect your keys when your project is ready.\n      Check your\nHDB appointment online\nto know when you can collect your keys.\nDo bring along original copies of these\ndocuments\nfor your appointment:\nIdentity cards of all persons listed in the application\nCertificate of insurance\nYou must buy fire insurance from HDB's appointed insurer,\nFWD Singapore Pte Ltd (FWD)\n, if you are taking an HDB housing loan.\nLatest CPF statement(s) if you are currently employed with CPF Board\nPower of Attorney (if you are authorising someone to represent you)\nThe person representing you must bring one certified true copy by the solicitors and two photocopies of the signed Power of Attorney\nSigned GIRO form if you are paying monthly loan instalments partially or fully by cash\nYou will also be required to log into your Singpass during your appointment if you intend to use CPF savings to pay for your monthly loan instalments.\nBACK TO TOP\nBuying an HDB Resale Flat\nEligibility Criteria\nEligibility Conditions for Resale Flats\nBefore you obtain an Option to Purchase (OTP) from a flat seller, as well as when you submit a resale application to HDB, you need a valid HDB Flat Eligibility (HFE) Letter. The HFE letter will check your eligibility to buy a resale flat and whether you can obtain an HDB housing loan and the CPF housing grant.\nSee also:\nOverview of Eligibility Conditions\nWhat to Expect\nTimeline\nYou may find\nmore details here\nabout the timeline of buying a resale flat.\nYou may manage the flat purchase\non your own\nor engage an estate agent to help you.\nSteps Involved\nRegister Preliminary HFE Check\nTo start, you need to first apply for a\nHDB Flat Eligibility (HFE) letter\nto know if you can:\nBuy a HDB resale flat\nApply for which CPF housing grants\nApply for HDB housing loan (if you intend to loan from HDB)\nGet Option to Purchase (OTP)\nTo enter into a OTP contract, you would be required to go through the following steps after agreeing on the selling price with the seller.\nSeller\ngrants OTP\nto you with the agreed amount of Option Fee (between $1 to $1,000)\nReview purchase during Option Period of 21 days\nExercise OTP to proceed with the purchase\nYou can also choose to let the OTP expire if you decide not to purchase.\nYou may refer to\nthis guide\nto find more details regarding the OTP process\nChoose Mode of Financing\nDuring your application for a HFE letter, you would be informed of your eligibility for buying a HDB resale flat as well as the amount of HDB housing loan that you are eligible for, should you require one.\nYou can also get a\nhousing loan from a financial institution (FI)\n.\nSubmit Resale Application\nYou and the seller (or the salesperson) can proceed to\nsubmit the resale application\nafter you have exercised the Option to Purchase (OTP).\nNote that either you or the seller can be the first to submit, but the other party must submit their portion within 7 calendar days.\nCheck Resale Application Status\nIt could take about 8 weeks from HDB's acknowledgement of the resale application to the final step of completing the resale transaction.\nCheck your\nresale application status\nor get notified via SMS once HDB approves.\nComplete Resale Transaction\nOnce HDB has scheduled your appointment, you will also receive SMS notification on your\nappointment with HDB\n.\nThis is the only resale appointment at HDB you and the seller need to attend. At this appointment, you (and the seller) will:\nSign the mortgage document\/ agreement (if you are taking an HDB housing loan)\nAcknowledge the receipt of the keys to the flat\nAgree on the payment arrangement of the outstanding property tax with the seller\nIndicate how you will pay the first month service\/ conservancy charges\nYou will become the flat owner upon the resale completion and need to pay for various payments such as housing loan, monthly service\/ conservancy charges, annual property tax, etc.\nSee also:\nFinancial Obligations as HDB owner\nBACK TO TOP\nYou may also be interested in:\nSell an HDB Flat\nMove Into an HDB Flat\nThis page will be updated as additional schemes and measures are introduced.\nPlease contact the respective government agencies if you have any questions about the listings on this page.\nLast updated: 19 May 2023\nBACK TO TOP\nGive us your feedback\nShare with us your suggestions with us\nhere.","attrs_markdown":"A Singapore Government Agency Website    How to identify\n\n![](https:\/\/services.life.gov.sg\/assets\/img\/government_building.svg)\n\n**Official website links end with .gov.sg**\n\nGovernment agencies communicate via  **.gov.sg**  websites (e.g. go.gov.sg\/open). [Trusted websites](https:\/\/go.gov.sg\/trusted-sites)\n\n![](https:\/\/services.life.gov.sg\/assets\/img\/lock.svg)\n\n**Secure websites use HTTPS**\n\nLook for a  **lock** (![](https:\/\/services.life.gov.sg\/assets\/img\/lock.svg)) or https:\/\/ as an added precaution. Share sensitive information only on official, secure websites.\n\n[![Homepage](https:\/\/services.life.gov.sg\/images\/lifesg-logo.jpg)](https:\/\/services.life.gov.sg\/)\n\n[About LifeSG](https:\/\/www.life.gov.sg\/)\n\n[FAQ](https:\/\/www.life.gov.sg\/faqs\/about-lifesg)\n\n[Get in Touch with Us](https:\/\/www.life.gov.sg\/get-in-touch)\n\n- [HOME](https:\/\/services.life.gov.sg\/)\n- [ARE YOU PLANNING TO](https:\/\/services.life.gov.sg\/government-services\/finances\/govt-benefits\/)\n- [BUY AN HDB FLAT](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/)\n# **Buy an HDB Flat**\n\n[**Buy an HDB Flat**]()\n\n[Get Government Benefits](https:\/\/services.life.gov.sg\/government-services\/finances\/govt-benefits\/)\n\n[Buy an HDB Flat](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/)\n\n[Sell an HDB Flat](https:\/\/services.life.gov.sg\/government-services\/sell-hdb\/)\n\n[Move Into an HDB Flat](https:\/\/services.life.gov.sg\/government-services\/move-in\/)\n\n[Manage Healthcare Costs](https:\/\/services.life.gov.sg\/government-services\/finances\/health-expenses\/)\n\n[Manage Your Family Finances](https:\/\/services.life.gov.sg\/government-services\/finances\/family\/)\n\n[Stay Healthy](https:\/\/services.life.gov.sg\/government-services\/stay-healthy\/)\n\n- [Get Government Benefits](https:\/\/services.life.gov.sg\/government-services\/finances\/govt-benefits\/)\n- [Buy an HDB Flat](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/)\n- [Sell an HDB Flat](https:\/\/services.life.gov.sg\/government-services\/sell-hdb\/)\n- [Move Into an HDB Flat](https:\/\/services.life.gov.sg\/government-services\/move-in\/)\n- [Manage Healthcare Costs](https:\/\/services.life.gov.sg\/government-services\/finances\/health-expenses\/)\n- [Manage Your Family Finances](https:\/\/services.life.gov.sg\/government-services\/finances\/family\/)\n- [Stay Healthy](https:\/\/services.life.gov.sg\/government-services\/stay-healthy\/)\n\n## Buying an HDB Flat\n**ON THIS PAGE**\n\n- [Planning Your Flat Purchase](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#plan)\n  - [Find out your eligibility to buy an HDB flat](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#flateligibility)\n  - [Plan Your Finances](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#finances)\n- [Applying for a Flat From HDB](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#apply)\n  - [Before You Apply](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#before-apply)\n  - [What to Expect](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#timeline)\n  - [Steps Involved](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#steps)\n- [Buying an HDB Resale Flat](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#resale)\n  - [Eligibility Criteria](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#resale-eligiblity)\n  - [What to Expect](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#process)\n  - [Steps Involved](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#resale-steps)\n# Planning Your Flat Purchase\n### Find out your eligibility to buy an HDB flat\nUnderstanding your eligibility to buy an HDB flat\n\nThe eligibility criteria to buy an HDB flat depends on your citizenship, age, income ceiling as well as with whom you are buying the flat.\n\nAnother criteria to note is that you (and whoever listed in your application) do not own other property overseas or locally, and have not disposed of any within the last 30 months.\n\nFrom 9 May 2023, you must have a valid HDB Flat Eligibility (HFE) letter when you are buying an HDB flat:\n\n1. Apply for a flat in HDB's sales launches or open booking of flats; or\n2. Obtain an Option To Purchase (OTP) from a flat seller as well as when submitting a resale application to HDB.\n\nThe HFE letter will provide you with a holistic understanding of your housing and financing options and help you plan your flat budget before you embark on your home buying journey. If you are a second-timer, it will also provide information on the resale levy\/ premium that you will have to pay if you purchase another subsidised flat from HDB.\n\n[![HFE Letter](https:\/\/services.life.gov.sg\/images\/hfe%20letter.png)](https:\/\/services.life.gov.sg\/images\/hfe%20letter.png)\n\n*See also: [Overview of Eligibility Conditions](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/understanding-your-eligibility-and-housing-loan-options\/flat-and-grant-eligibility) and Application for an [HDB Flat Eligibility (HFE) letter](https:\/\/services2.hdb.gov.sg\/web\/bp27\/PrelimHFE\/)*\n\n### Plan Your Finances\nWorking out your flat budget\n\nIt is important for you to work out your flat budget before committing to a flat purchase. Use the [budget or payment plan calculator](https:\/\/homes.hdb.gov.sg\/home\/calculator\/budget) to work out a customised financial plan.\n\n[![Working out the housing budget](https:\/\/services.life.gov.sg\/images\/budgetcalc.jpg)](https:\/\/services.life.gov.sg\/images\/budgetcalc.jpg)\n\nGetting an HDB housing loan\n\nCheck your eligibility for an HDB housing loan as part of the process when you apply for a [HDB Flat Eligibility (HFE) Letter](https:\/\/homes.hdb.gov.sg\/home\/calculator\/budget).\n\n[![HFE Letter](https:\/\/services.life.gov.sg\/images\/hfe%20letter.png)](https:\/\/services.life.gov.sg\/images\/hfe%20letter.png)\n\nGetting a housing loan from Financial Institutions (FI)\n\nYou may also finance your flat purchase with a housing loan from a financial institution (FI) that is regulated by the Monetary Authority of Singapore (MAS) by finding out more [here](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/understanding-your-eligibility-and-housing-loan-options\/housing-loan-options\/housing-loan-from-financial-institutions?anchor=financing-considerations).\n\nYou should consider and compare the different FI loan packages offered.\n\nIf you intend to take an FI loan, you may request for an In-Principle Approval (IPA) and Letter of Offer (LO) from the participating FIs through the integrated loan application service on the HDB Flat Portal.\n\n[![FI Loan](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/-\/media\/HDBContent\/Images\/EAPG\/EAPG-COS\/Apply-for-housing-loans-8-May-2023.ashx)](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/-\/media\/HDBContent\/Images\/EAPG\/EAPG-COS\/Apply-for-housing-loans-8-May-2023.ashx)\n\nHow to Use CPF Savings to Pay for Your Flat\n\nYou can use your CPF Ordinary Account (OA) savings to pay for your new or resale HDB flats. [Click here](https:\/\/www.cpf.gov.sg\/member\/tools-and-services\/calculators\/cpf-housing-usage) to calculate how much CPF you can use to buy a HDB Flat.\n\n[![Financing your flat with CPF](https:\/\/services.life.gov.sg\/images\/use%20CPF%20OA%20savings%20for%20home.png)](https:\/\/services.life.gov.sg\/images\/use%20CPF%20OA%20savings%20for%20home.png)\n\nFinancial Commitment as HDB Flat Owner\n\nIf you are a first-time homebuyer, you should also consider the [various payments](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/servicing-your-hdb-housing-loan\/loan-matters\/payment) to make for an HDB housing loan, should you require one.\n\nCheck your affordability and minimise the housing loan amount and repayment period to save interest costs.\n\n[![Understanding one's ability to pay](https:\/\/services.life.gov.sg\/images\/abilitytopay.png)](https:\/\/services.life.gov.sg\/images\/abilitytopay.png)\n\n*See also: [ABCs of financial planning and tools](https:\/\/www.hdb.gov.sg\/residential\/buying-a-flat\/working-out-your-flat-budget)*\n\nUse Contra Payment Facility if You Are an Existing HDB Flat Owner\n\nYou can consider the [Contra Payment Facility](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/key-collection?anchor=contra) if you are buying an HDB flat and currently own another HDB flat.\n\nThis can help you to:\n\n- Reduce the cash outlay needed for your flat\n- Reduce the housing loan amount needed and the subsequent monthly repayments (without incurring interest)\n- Collect the keys to your flat while selling your existing flat\n\nApply for Housing Grants\n\nFirst-time buyers may receive an Enhanced CPF Housing Grant of up to \\$80,000 when buying a new flat from HDB.\n\nIf they buy a resale flat, they can get up to \\$160,000 in housing grants. This comprises of the CPF Housing Grant of up to \\$50,000, Enhanced CPF Housing Grant of up to \\$80,000, and Proximity Housing Grant of up to \\$30,000.\n\n**Note**: The amount of grants obtained has to be returned to your CPF Ordinary Account with accrued interest when you sell your flat later. It is not the same as a subsidy where the prices are 'discounted'.\n\nSet off on your flat buying journey with your HFE Letter\n\nWith your HFE Letter, you can embark on your buying journey with certainty. Check out the infographic below for the next steps in your home buying journey.\n\n[![Your flat buying journey](https:\/\/services.life.gov.sg\/images\/buyjourney.png)](https:\/\/services.life.gov.sg\/images\/buyjourney.png)\n\n[**BACK TO TOP**](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#top)\n\n# Applying for a Flat From HDB\n### Before You Apply\nEligibility Criteria\n\nBefore you participate in a sales launch or open booking of flats, you need to obtain a [HDB Flat Eligibility (HFE) letter](https:\/\/services2.hdb.gov.sg\/web\/bp27\/PrelimHFE\/) to check your eligibility to buy a new flat and whether you can obtain a HDB housing loan and the CPF housing grant\n\n[![Your flat buying journey](https:\/\/services.life.gov.sg\/images\/whenineedhfe.jpg)](https:\/\/services.life.gov.sg\/images\/whenineedhfe.jpg)\n\n*See also: [Overview of Eligibility Conditions](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/understanding-your-eligibility-and-housing-loan-options\/flat-and-grant-eligibility)*\n\nTypes of New Flats\n\nThere are various types of flats that are built to suit a variety of needs:\n\n- 2-room Flexi for small families, singles and elderly\n- 3-room for cosy and compact home\n- 4-room for a comfortable living space\n- 5-room for larger households\n\n*See also: [HDB flat types and its specifications](https:\/\/www.hdb.gov.sg\/residential\/buying-a-flat\/finding-a-flat\/types-of-flats)*\n\nCheck for Upcoming HDB Sales Launches\n\nTo buy a new flat from HDB, you need to apply during a sales launch. Check [upcoming HDB sales launches](https:\/\/homes.hdb.gov.sg\/home\/landing) and stay updated with [email updates](https:\/\/services2.hdb.gov.sg\/webapp\/BF08CESS\/Index.jsp)\n\nHDB Priority Schemes\n\nBy applying through [HDB Priority Schemes](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/application\/priority-schemes), you could improve your chances of getting a balloted number to book an HDB flat. However, do note that you can get priority for only up to 2 schemes.\n\n[![HDB priority schemes](https:\/\/services.life.gov.sg\/images\/priorityschemes.png)](https:\/\/services.life.gov.sg\/images\/priorityschemes.png)\n### What to Expect\nTimeline\n\n[![HDB Infographic Guide to Buying from HDB](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/-\/media\/HDBContent\/Images\/EAPG\/EAPG-CSC\/Buying-timeline---May-2023.ashx)](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/-\/media\/HDBContent\/Images\/EAPG\/EAPG-CSC\/Buying-timeline---May-2023.ashx)\n\nYou may find [more details here](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/timeline) about the timeline of buying a flat.\n### Steps Involved\nHow to Apply\n\nYou may apply for a flat in the following purchase mode(s):\n\n- [Build-To-Order\/ Sale of Balance Flats\/ Open Booking](https:\/\/homes.hdb.gov.sg\/home\/landing)\n\nCheck Flat Application Status\n\nAs an applicant, you can check for updates regarding your flat application and whether a queue number has been balloted to you.\n\nBook Your Preferred Flat Unit\n\nIf you have been shortlisted, you will be notified and invited to an [HDB flat selection appointment](https:\/\/services2.hdb.gov.sg\/webapp\/FI10PPORTAL\/FI10PAtAGlance.jsp) within two weeks from the release of your ballot results.\n\nAt this appointment, you will be required to pay a booking fee via NETS.\n\nThe [booking fees](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/booking-of-flat?anchor=option-fee) range from \\$500 to \\$2000 depending on the type of flat you choose.\n\nSign Agreement for Lease\n\nYou (and all persons listed in the application) will also need to bring along original copies of these [documents](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/sign-agreement-for-lease):\n\n- Identity cards of all persons listed in the application\n- Letter of Offer from the financial institution if you are taking a housing loan from a financial institution\n- Latest CPF statement(s) if you are currently employed with CPF Board\n- Power of Attorney (if you are authorising someone to represent you)\n  - The person representing you must bring one certified true copy by the solicitors and two photocopies of the signed Power of Attorney\n\nYou will also need to log into your Singpass during your appointment if you intend to use CPF savings to pay for your downpayment (usually 10% of the flat price). You can consider if you can split your downpayment into 2 instalments using the [Staggered Downpayment Scheme](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/sign-agreement-for-lease?anchor=sds).\n\nCollect Your Keys\n\nYou will be invited by HDB to collect your keys when your project is ready. Check your [HDB appointment online](https:\/\/services2.hdb.gov.sg\/webapp\/FI10PPORTAL\/FI10PAtAGlance.jsp) to know when you can collect your keys.\n\nDo bring along original copies of these [documents](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/key-collection) for your appointment:\n\n- Identity cards of all persons listed in the application\n- Certificate of insurance\n  - You must buy fire insurance from HDB's appointed insurer, [FWD Singapore Pte Ltd (FWD)](https:\/\/www.fwd.com.sg\/fire-insurance\/), if you are taking an HDB housing loan.\n- Latest CPF statement(s) if you are currently employed with CPF Board\n- Power of Attorney (if you are authorising someone to represent you)\n  - The person representing you must bring one certified true copy by the solicitors and two photocopies of the signed Power of Attorney\n- Signed GIRO form if you are paying monthly loan instalments partially or fully by cash\n\nYou will also be required to log into your Singpass during your appointment if you intend to use CPF savings to pay for your monthly loan instalments.\n\n[**BACK TO TOP**](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#top)\n\n# Buying an HDB Resale Flat\n### Eligibility Criteria\nEligibility Conditions for Resale Flats\n\nBefore you obtain an Option to Purchase (OTP) from a flat seller, as well as when you submit a resale application to HDB, you need a valid HDB Flat Eligibility (HFE) Letter. The HFE letter will check your eligibility to buy a resale flat and whether you can obtain an HDB housing loan and the CPF housing grant.\n\n[![When do i need HFE for resale buyers](https:\/\/services.life.gov.sg\/images\/resalehfe.jpg)](https:\/\/services.life.gov.sg\/images\/resalehfe.jpg)\n\n*See also: [Overview of Eligibility Conditions](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/understanding-your-eligibility-and-housing-loan-options\/flat-and-grant-eligibility)*\n### What to Expect\nTimeline\n\n[![HDB Resale Guide](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/-\/media\/HDBContent\/Images\/EAPG\/EAPG-CSC\/Buying-a-resale-flat---May-2023.ashx)](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/-\/media\/HDBContent\/Images\/EAPG\/EAPG-CSC\/Buying-a-resale-flat---May-2023.ashx)\n\nYou may find [more details here](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-resale-flats\/overview) about the timeline of buying a resale flat.\n\nYou may manage the flat purchase [on your own](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-resale-flats\/plan-source-and-contract\/planning-considerations\/managing-the-flat-purchase) or engage an estate agent to help you.\n### Steps Involved\nRegister Preliminary HFE Check\n\nTo start, you need to first apply for a [HDB Flat Eligibility (HFE) letter](https:\/\/services2.hdb.gov.sg\/web\/bp27\/PrelimHFE\/) to know if you can:\n\n- Buy a HDB resale flat\n- Apply for which CPF housing grants\n- Apply for HDB housing loan (if you intend to loan from HDB)\n\nEvaluate Suitable Flat Options\n\nWhen evaluating options,\n\n- [Check details of the flat options](https:\/\/services2.hdb.gov.sg\/web\/fi10\/emap.html) such as past resale transactions, Ethnic Integration Policy quotas, Singapore\/PR quotas\n- [Check other HDB resale statistics](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/selling-a-flat\/overview\/resale-statistics) such as resale price index for overall HDB resale pricing trends.\n\nGet Option to Purchase (OTP)\n\nTo enter into a OTP contract, you would be required to go through the following steps after agreeing on the selling price with the seller.\n\n1. Seller [grants OTP](https:\/\/services2.hdb.gov.sg\/web\/bp28\/TimeLine\/my-flat-dashboard) to you with the agreed amount of Option Fee (between \\$1 to \\$1,000)\n2. Review purchase during Option Period of 21 days\n3. Exercise OTP to proceed with the purchase\n\n*You can also choose to let the OTP expire if you decide not to purchase.*\n\nYou may refer to [this guide](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-resale-flats\/plan-source-and-contract\/option-to-purchase) to find more details regarding the OTP process\n\nChoose Mode of Financing\n\nDuring your application for a HFE letter, you would be informed of your eligibility for buying a HDB resale flat as well as the amount of HDB housing loan that you are eligible for, should you require one.\n\nYou can also get a [housing loan from a financial institution (FI)](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/understanding-your-eligibility-and-housing-loan-options\/housing-loan-options\/housing-loan-from-financial-institutions).\n\nSubmit Resale Application\n\nYou and the seller (or the salesperson) can proceed to [submit the resale application](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-resale-flats\/resale-application\/application) after you have exercised the Option to Purchase (OTP).\n\n*Note that either you or the seller can be the first to submit, but the other party must submit their portion within 7 calendar days.*\n\nAcknowledge Resale Documents\n\nYou will be invited by HDB to [endorse resale documents and pay the resale fees online](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-resale-flats\/resale-application\/acceptance-and-approval) before approving the transaction.\n\nCheck Resale Application Status\n\nIt could take about 8 weeks from HDB's acknowledgement of the resale application to the final step of completing the resale transaction.\n\nCheck your [resale application status](https:\/\/services2.hdb.gov.sg\/web\/bp28\/TimeLine\/my-flat-dashboard) or get notified via SMS once HDB approves.\n\nComplete Resale Transaction\n\nOnce HDB has scheduled your appointment, you will also receive SMS notification on your [appointment with HDB](https:\/\/services2.hdb.gov.sg\/web\/bp28\/TimeLine\/my-flat-dashboard).\n\nThis is the only resale appointment at HDB you and the seller need to attend. At this appointment, you (and the seller) will:\n\n- Sign the mortgage document\/ agreement (if you are taking an HDB housing loan)\n- Acknowledge the receipt of the keys to the flat\n- Agree on the payment arrangement of the outstanding property tax with the seller\n- Indicate how you will pay the first month service\/ conservancy charges\n\nYou will become the flat owner upon the resale completion and need to pay for various payments such as housing loan, monthly service\/ conservancy charges, annual property tax, etc.\n\nSee also: [Financial Obligations as HDB owner](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/servicing-your-hdb-housing-loan\/loan-matters\/payment)\n\n[**BACK TO TOP**](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#top)\n***\n**You may also be interested in:**\n\n- [Sell an HDB Flat](https:\/\/services.life.gov.sg\/government-services\/sell-hdb\/)\n- [Move Into an HDB Flat](https:\/\/services.life.gov.sg\/government-services\/move-in\/)\n***\nThis page will be updated as additional schemes and measures are introduced.\n\nPlease contact the respective government agencies if you have any questions about the listings on this page.\n\nLast updated: 19 May 2023\n\n[**BACK TO TOP**](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#top)\n***\n# Give us your feedback\nShare with us your suggestions with us [here.](https:\/\/form.gov.sg\/5ed0995e42ee5f00110e10cc)\n\n[PREVIOUS Get Government Benefits](https:\/\/services.life.gov.sg\/government-services\/finances\/govt-benefits\/)\n\n[NEXT Sell an HDB Flat](https:\/\/services.life.gov.sg\/government-services\/sell-hdb\/)\n\n##### **LifeSG**\n**[About LifeSG](https:\/\/www.life.gov.sg\/)**\n\n**[Get in Touch with Us](https:\/\/www.life.gov.sg\/get-in-touch)**\n\n- [FAQ](https:\/\/www.life.gov.sg\/help-support)\n- [Contact Us](https:\/\/www.life.gov.sg\/)\n- [Report Vulnerability](https:\/\/www.tech.gov.sg\/report-vulnerability\/)\n- [Privacy Statement](https:\/\/services.life.gov.sg\/privacy\/)\n- [Terms of Use](https:\/\/services.life.gov.sg\/terms-of-use\/)\n\n[About LifeSG](https:\/\/www.life.gov.sg\/)\n\n[Get in Touch with Us](https:\/\/www.life.gov.sg\/get-in-touch)\n\n[FAQ](https:\/\/www.life.gov.sg\/help-support)\n\n[Contact Us](https:\/\/www.life.gov.sg\/)\n\n[Report Vulnerability](https:\/\/www.tech.gov.sg\/report-vulnerability\/)\n\n[Privacy Statement](https:\/\/services.life.gov.sg\/privacy\/)\n\n[Terms of Use](https:\/\/services.life.gov.sg\/terms-of-use\/)\n\n- [Created with ![Isomer Logo](https:\/\/services.life.gov.sg\/assets\/img\/isomer_logo.svg)](https:\/\/www.isomer.gov.sg\/)\n- [Built by ![Open Government Products Logo](https:\/\/services.life.gov.sg\/assets\/img\/ogp_logo.svg)](https:\/\/www.open.gov.sg\/)\n\n© 2025 LifeSG, Last Updated 31 Jul 2025\n\n© 2025 LifeSG,   \nLast Updated 31 Jul 2025","attrs_readable_markdown":"- [HOME](https:\/\/services.life.gov.sg\/)\n- [ARE YOU PLANNING TO](https:\/\/services.life.gov.sg\/government-services\/finances\/govt-benefits\/)\n- [BUY AN HDB FLAT](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/)\n\n## Buying an HDB Flat\n**ON THIS PAGE**\n\n- [Planning Your Flat Purchase](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#plan)\n  - [Find out your eligibility to buy an HDB flat](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#flateligibility)\n  - [Plan Your Finances](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#finances)\n- [Applying for a Flat From HDB](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#apply)\n  - [Before You Apply](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#before-apply)\n  - [What to Expect](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#timeline)\n  - [Steps Involved](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#steps)\n- [Buying an HDB Resale Flat](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#resale)\n  - [Eligibility Criteria](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#resale-eligiblity)\n  - [What to Expect](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#process)\n  - [Steps Involved](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#resale-steps)\n## Planning Your Flat Purchase\n### Find out your eligibility to buy an HDB flat\nUnderstanding your eligibility to buy an HDB flat\n\nThe eligibility criteria to buy an HDB flat depends on your citizenship, age, income ceiling as well as with whom you are buying the flat.\n\nAnother criteria to note is that you (and whoever listed in your application) do not own other property overseas or locally, and have not disposed of any within the last 30 months.\n\nFrom 9 May 2023, you must have a valid HDB Flat Eligibility (HFE) letter when you are buying an HDB flat:\n\n1. Apply for a flat in HDB's sales launches or open booking of flats; or\n2. Obtain an Option To Purchase (OTP) from a flat seller as well as when submitting a resale application to HDB.\n\nThe HFE letter will provide you with a holistic understanding of your housing and financing options and help you plan your flat budget before you embark on your home buying journey. If you are a second-timer, it will also provide information on the resale levy\/ premium that you will have to pay if you purchase another subsidised flat from HDB.\n\n[![HFE Letter](https:\/\/services.life.gov.sg\/images\/hfe%20letter.png)](https:\/\/services.life.gov.sg\/images\/hfe%20letter.png)\n\n*See also: [Overview of Eligibility Conditions](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/understanding-your-eligibility-and-housing-loan-options\/flat-and-grant-eligibility) and Application for an [HDB Flat Eligibility (HFE) letter](https:\/\/services2.hdb.gov.sg\/web\/bp27\/PrelimHFE\/)*\n\n### Plan Your Finances\nWorking out your flat budget\n\nIt is important for you to work out your flat budget before committing to a flat purchase. Use the [budget or payment plan calculator](https:\/\/homes.hdb.gov.sg\/home\/calculator\/budget) to work out a customised financial plan.\n\n[![Working out the housing budget](https:\/\/services.life.gov.sg\/images\/budgetcalc.jpg)](https:\/\/services.life.gov.sg\/images\/budgetcalc.jpg)\n\nGetting a housing loan from Financial Institutions (FI)\n\nYou may also finance your flat purchase with a housing loan from a financial institution (FI) that is regulated by the Monetary Authority of Singapore (MAS) by finding out more [here](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/understanding-your-eligibility-and-housing-loan-options\/housing-loan-options\/housing-loan-from-financial-institutions?anchor=financing-considerations).\n\nYou should consider and compare the different FI loan packages offered.\n\nIf you intend to take an FI loan, you may request for an In-Principle Approval (IPA) and Letter of Offer (LO) from the participating FIs through the integrated loan application service on the HDB Flat Portal.\n\n[![FI Loan](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/-\/media\/HDBContent\/Images\/EAPG\/EAPG-COS\/Apply-for-housing-loans-8-May-2023.ashx)](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/-\/media\/HDBContent\/Images\/EAPG\/EAPG-COS\/Apply-for-housing-loans-8-May-2023.ashx)\n\nHow to Use CPF Savings to Pay for Your Flat\n\nYou can use your CPF Ordinary Account (OA) savings to pay for your new or resale HDB flats. [Click here](https:\/\/www.cpf.gov.sg\/member\/tools-and-services\/calculators\/cpf-housing-usage) to calculate how much CPF you can use to buy a HDB Flat.\n\n[![Financing your flat with CPF](https:\/\/services.life.gov.sg\/images\/use%20CPF%20OA%20savings%20for%20home.png)](https:\/\/services.life.gov.sg\/images\/use%20CPF%20OA%20savings%20for%20home.png)\n\nFinancial Commitment as HDB Flat Owner\n\nIf you are a first-time homebuyer, you should also consider the [various payments](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/servicing-your-hdb-housing-loan\/loan-matters\/payment) to make for an HDB housing loan, should you require one.\n\nCheck your affordability and minimise the housing loan amount and repayment period to save interest costs.\n\n[![Understanding one's ability to pay](https:\/\/services.life.gov.sg\/images\/abilitytopay.png)](https:\/\/services.life.gov.sg\/images\/abilitytopay.png)\n\n*See also: [ABCs of financial planning and tools](https:\/\/www.hdb.gov.sg\/residential\/buying-a-flat\/working-out-your-flat-budget)*\n\nUse Contra Payment Facility if You Are an Existing HDB Flat Owner\n\nYou can consider the [Contra Payment Facility](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/key-collection?anchor=contra) if you are buying an HDB flat and currently own another HDB flat.\n\nThis can help you to:\n\n- Reduce the cash outlay needed for your flat\n- Reduce the housing loan amount needed and the subsequent monthly repayments (without incurring interest)\n- Collect the keys to your flat while selling your existing flat\n\nApply for Housing Grants\n\nFirst-time buyers may receive an Enhanced CPF Housing Grant of up to \\$80,000 when buying a new flat from HDB.\n\nIf they buy a resale flat, they can get up to \\$160,000 in housing grants. This comprises of the CPF Housing Grant of up to \\$50,000, Enhanced CPF Housing Grant of up to \\$80,000, and Proximity Housing Grant of up to \\$30,000.\n\n**Note**: The amount of grants obtained has to be returned to your CPF Ordinary Account with accrued interest when you sell your flat later. It is not the same as a subsidy where the prices are 'discounted'.\n\nSet off on your flat buying journey with your HFE Letter\n\nWith your HFE Letter, you can embark on your buying journey with certainty. Check out the infographic below for the next steps in your home buying journey.\n\n[![Your flat buying journey](https:\/\/services.life.gov.sg\/images\/buyjourney.png)](https:\/\/services.life.gov.sg\/images\/buyjourney.png)\n\n[**BACK TO TOP**](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#top)\n\n## Applying for a Flat From HDB\n### Before You Apply\nTypes of New Flats\n\nThere are various types of flats that are built to suit a variety of needs:\n\n- 2-room Flexi for small families, singles and elderly\n- 3-room for cosy and compact home\n- 4-room for a comfortable living space\n- 5-room for larger households\n\n*See also: [HDB flat types and its specifications](https:\/\/www.hdb.gov.sg\/residential\/buying-a-flat\/finding-a-flat\/types-of-flats)*\n\nHDB Priority Schemes\n\nBy applying through [HDB Priority Schemes](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/application\/priority-schemes), you could improve your chances of getting a balloted number to book an HDB flat. However, do note that you can get priority for only up to 2 schemes.\n\n[![HDB priority schemes](https:\/\/services.life.gov.sg\/images\/priorityschemes.png)](https:\/\/services.life.gov.sg\/images\/priorityschemes.png)\n### What to Expect\n### Steps Involved\nCheck Flat Application Status\n\nAs an applicant, you can check for updates regarding your flat application and whether a queue number has been balloted to you.\n\nBook Your Preferred Flat Unit\n\nIf you have been shortlisted, you will be notified and invited to an [HDB flat selection appointment](https:\/\/services2.hdb.gov.sg\/webapp\/FI10PPORTAL\/FI10PAtAGlance.jsp) within two weeks from the release of your ballot results.\n\nAt this appointment, you will be required to pay a booking fee via NETS.\n\nThe [booking fees](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/booking-of-flat?anchor=option-fee) range from \\$500 to \\$2000 depending on the type of flat you choose.\n\nSign Agreement for Lease\n\nYou (and all persons listed in the application) will also need to bring along original copies of these [documents](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/sign-agreement-for-lease):\n\n- Identity cards of all persons listed in the application\n- Letter of Offer from the financial institution if you are taking a housing loan from a financial institution\n- Latest CPF statement(s) if you are currently employed with CPF Board\n- Power of Attorney (if you are authorising someone to represent you)\n  - The person representing you must bring one certified true copy by the solicitors and two photocopies of the signed Power of Attorney\n\nYou will also need to log into your Singpass during your appointment if you intend to use CPF savings to pay for your downpayment (usually 10% of the flat price). You can consider if you can split your downpayment into 2 instalments using the [Staggered Downpayment Scheme](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/sign-agreement-for-lease?anchor=sds).\n\nCollect Your Keys\n\nYou will be invited by HDB to collect your keys when your project is ready. Check your [HDB appointment online](https:\/\/services2.hdb.gov.sg\/webapp\/FI10PPORTAL\/FI10PAtAGlance.jsp) to know when you can collect your keys.\n\nDo bring along original copies of these [documents](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/key-collection) for your appointment:\n\n- Identity cards of all persons listed in the application\n- Certificate of insurance\n  - You must buy fire insurance from HDB's appointed insurer, [FWD Singapore Pte Ltd (FWD)](https:\/\/www.fwd.com.sg\/fire-insurance\/), if you are taking an HDB housing loan.\n- Latest CPF statement(s) if you are currently employed with CPF Board\n- Power of Attorney (if you are authorising someone to represent you)\n  - The person representing you must bring one certified true copy by the solicitors and two photocopies of the signed Power of Attorney\n- Signed GIRO form if you are paying monthly loan instalments partially or fully by cash\n\nYou will also be required to log into your Singpass during your appointment if you intend to use CPF savings to pay for your monthly loan instalments.\n\n[**BACK TO TOP**](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#top)\n\n## Buying an HDB Resale Flat\n### Eligibility Criteria\nEligibility Conditions for Resale Flats\n\nBefore you obtain an Option to Purchase (OTP) from a flat seller, as well as when you submit a resale application to HDB, you need a valid HDB Flat Eligibility (HFE) Letter. The HFE letter will check your eligibility to buy a resale flat and whether you can obtain an HDB housing loan and the CPF housing grant.\n\n[![When do i need HFE for resale buyers](https:\/\/services.life.gov.sg\/images\/resalehfe.jpg)](https:\/\/services.life.gov.sg\/images\/resalehfe.jpg)\n\n*See also: [Overview of Eligibility Conditions](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/understanding-your-eligibility-and-housing-loan-options\/flat-and-grant-eligibility)*\n### What to Expect\nTimeline\n\n[![HDB Resale Guide](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/-\/media\/HDBContent\/Images\/EAPG\/EAPG-CSC\/Buying-a-resale-flat---May-2023.ashx)](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/-\/media\/HDBContent\/Images\/EAPG\/EAPG-CSC\/Buying-a-resale-flat---May-2023.ashx)\n\nYou may find [more details here](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-resale-flats\/overview) about the timeline of buying a resale flat.\n\nYou may manage the flat purchase [on your own](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-resale-flats\/plan-source-and-contract\/planning-considerations\/managing-the-flat-purchase) or engage an estate agent to help you.\n### Steps Involved\nRegister Preliminary HFE Check\n\nTo start, you need to first apply for a [HDB Flat Eligibility (HFE) letter](https:\/\/services2.hdb.gov.sg\/web\/bp27\/PrelimHFE\/) to know if you can:\n\n- Buy a HDB resale flat\n- Apply for which CPF housing grants\n- Apply for HDB housing loan (if you intend to loan from HDB)\n\nGet Option to Purchase (OTP)\n\nTo enter into a OTP contract, you would be required to go through the following steps after agreeing on the selling price with the seller.\n\n1. Seller [grants OTP](https:\/\/services2.hdb.gov.sg\/web\/bp28\/TimeLine\/my-flat-dashboard) to you with the agreed amount of Option Fee (between \\$1 to \\$1,000)\n2. Review purchase during Option Period of 21 days\n3. Exercise OTP to proceed with the purchase\n\n*You can also choose to let the OTP expire if you decide not to purchase.*\n\nYou may refer to [this guide](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-resale-flats\/plan-source-and-contract\/option-to-purchase) to find more details regarding the OTP process\n\nChoose Mode of Financing\n\nDuring your application for a HFE letter, you would be informed of your eligibility for buying a HDB resale flat as well as the amount of HDB housing loan that you are eligible for, should you require one.\n\nYou can also get a [housing loan from a financial institution (FI)](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/understanding-your-eligibility-and-housing-loan-options\/housing-loan-options\/housing-loan-from-financial-institutions).\n\nSubmit Resale Application\n\nYou and the seller (or the salesperson) can proceed to [submit the resale application](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-resale-flats\/resale-application\/application) after you have exercised the Option to Purchase (OTP).\n\n*Note that either you or the seller can be the first to submit, but the other party must submit their portion within 7 calendar days.*\n\nCheck Resale Application Status\n\nIt could take about 8 weeks from HDB's acknowledgement of the resale application to the final step of completing the resale transaction.\n\nCheck your [resale application status](https:\/\/services2.hdb.gov.sg\/web\/bp28\/TimeLine\/my-flat-dashboard) or get notified via SMS once HDB approves.\n\nComplete Resale Transaction\n\nOnce HDB has scheduled your appointment, you will also receive SMS notification on your [appointment with HDB](https:\/\/services2.hdb.gov.sg\/web\/bp28\/TimeLine\/my-flat-dashboard).\n\nThis is the only resale appointment at HDB you and the seller need to attend. At this appointment, you (and the seller) will:\n\n- Sign the mortgage document\/ agreement (if you are taking an HDB housing loan)\n- Acknowledge the receipt of the keys to the flat\n- Agree on the payment arrangement of the outstanding property tax with the seller\n- Indicate how you will pay the first month service\/ conservancy charges\n\nYou will become the flat owner upon the resale completion and need to pay for various payments such as housing loan, monthly service\/ conservancy charges, annual property tax, etc.\n\nSee also: [Financial Obligations as HDB owner](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/servicing-your-hdb-housing-loan\/loan-matters\/payment)\n\n[**BACK TO TOP**](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#top)\n***\n**You may also be interested in:**\n\n- [Sell an HDB Flat](https:\/\/services.life.gov.sg\/government-services\/sell-hdb\/)\n- [Move Into an HDB Flat](https:\/\/services.life.gov.sg\/government-services\/move-in\/)\n***\nThis page will be updated as additional schemes and measures are introduced.\n\nPlease contact the respective government agencies if you have any questions about the listings on this page.\n\nLast updated: 19 May 2023\n\n[**BACK TO TOP**](https:\/\/services.life.gov.sg\/government-services\/buy-hdb\/#top)\n***\n## Give us your feedback\nShare with us your suggestions with us [here.](https:\/\/form.gov.sg\/5ed0995e42ee5f00110e10cc)","meta_canonical":null}

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URL	https://services.life.gov.sg/government-services/buy-hdb/
Last Crawled	2026-02-02 06:59:57 (2 months ago)
First Indexed	2021-03-26 14:41:24 (5 years ago)
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Meta Title	Buy an HDB Flat
Meta Description	Buying an HDB Flat ON THIS PAGE Planning Your Flat Purchase Find out your eligibility to buy an HDB flat...
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Boilerpipe Text	HOME ARE YOU PLANNING TO BUY AN HDB FLAT Buying an HDB Flat ON THIS PAGE Planning Your Flat Purchase Find out your eligibility to buy an HDB flat Plan Your Finances Applying for a Flat From HDB Before You Apply What to Expect Steps Involved Buying an HDB Resale Flat Eligibility Criteria What to Expect Steps Involved Planning Your Flat Purchase Find out your eligibility to buy an HDB flat Understanding your eligibility to buy an HDB flat The eligibility criteria to buy an HDB flat depends on your citizenship, age, income ceiling as well as with whom you are buying the flat. Another criteria to note is that you (and whoever listed in your application) do not own other property overseas or locally, and have not disposed of any within the last 30 months. From 9 May 2023, you must have a valid HDB Flat Eligibility (HFE) letter when you are buying an HDB flat: Apply for a flat in HDB's sales launches or open booking of flats; or Obtain an Option To Purchase (OTP) from a flat seller as well as when submitting a resale application to HDB. The HFE letter will provide you with a holistic understanding of your housing and financing options and help you plan your flat budget before you embark on your home buying journey. If you are a second-timer, it will also provide information on the resale levy/ premium that you will have to pay if you purchase another subsidised flat from HDB. See also: Overview of Eligibility Conditions and Application for an HDB Flat Eligibility (HFE) letter Plan Your Finances Working out your flat budget It is important for you to work out your flat budget before committing to a flat purchase. Use the budget or payment plan calculator to work out a customised financial plan. Getting a housing loan from Financial Institutions (FI) You may also finance your flat purchase with a housing loan from a financial institution (FI) that is regulated by the Monetary Authority of Singapore (MAS) by finding out more here . You should consider and compare the different FI loan packages offered. If you intend to take an FI loan, you may request for an In-Principle Approval (IPA) and Letter of Offer (LO) from the participating FIs through the integrated loan application service on the HDB Flat Portal. How to Use CPF Savings to Pay for Your Flat You can use your CPF Ordinary Account (OA) savings to pay for your new or resale HDB flats. Click here to calculate how much CPF you can use to buy a HDB Flat. Financial Commitment as HDB Flat Owner If you are a first-time homebuyer, you should also consider the various payments to make for an HDB housing loan, should you require one. Check your affordability and minimise the housing loan amount and repayment period to save interest costs. See also: ABCs of financial planning and tools Use Contra Payment Facility if You Are an Existing HDB Flat Owner You can consider the Contra Payment Facility if you are buying an HDB flat and currently own another HDB flat. This can help you to: Reduce the cash outlay needed for your flat Reduce the housing loan amount needed and the subsequent monthly repayments (without incurring interest) Collect the keys to your flat while selling your existing flat Apply for Housing Grants First-time buyers may receive an Enhanced CPF Housing Grant of up to $80,000 when buying a new flat from HDB. If they buy a resale flat, they can get up to $160,000 in housing grants. This comprises of the CPF Housing Grant of up to $50,000, Enhanced CPF Housing Grant of up to $80,000, and Proximity Housing Grant of up to $30,000. Note : The amount of grants obtained has to be returned to your CPF Ordinary Account with accrued interest when you sell your flat later. It is not the same as a subsidy where the prices are 'discounted'. Set off on your flat buying journey with your HFE Letter With your HFE Letter, you can embark on your buying journey with certainty. Check out the infographic below for the next steps in your home buying journey. BACK TO TOP Applying for a Flat From HDB Before You Apply Types of New Flats There are various types of flats that are built to suit a variety of needs: 2-room Flexi for small families, singles and elderly 3-room for cosy and compact home 4-room for a comfortable living space 5-room for larger households See also: HDB flat types and its specifications HDB Priority Schemes By applying through HDB Priority Schemes , you could improve your chances of getting a balloted number to book an HDB flat. However, do note that you can get priority for only up to 2 schemes. What to Expect Steps Involved Check Flat Application Status As an applicant, you can check for updates regarding your flat application and whether a queue number has been balloted to you. Book Your Preferred Flat Unit If you have been shortlisted, you will be notified and invited to an HDB flat selection appointment within two weeks from the release of your ballot results. At this appointment, you will be required to pay a booking fee via NETS. The booking fees range from $500 to $2000 depending on the type of flat you choose. Sign Agreement for Lease You (and all persons listed in the application) will also need to bring along original copies of these documents : Identity cards of all persons listed in the application Letter of Offer from the financial institution if you are taking a housing loan from a financial institution Latest CPF statement(s) if you are currently employed with CPF Board Power of Attorney (if you are authorising someone to represent you) The person representing you must bring one certified true copy by the solicitors and two photocopies of the signed Power of Attorney You will also need to log into your Singpass during your appointment if you intend to use CPF savings to pay for your downpayment (usually 10% of the flat price). You can consider if you can split your downpayment into 2 instalments using the Staggered Downpayment Scheme . Collect Your Keys You will be invited by HDB to collect your keys when your project is ready. Check your HDB appointment online to know when you can collect your keys. Do bring along original copies of these documents for your appointment: Identity cards of all persons listed in the application Certificate of insurance You must buy fire insurance from HDB's appointed insurer, FWD Singapore Pte Ltd (FWD) , if you are taking an HDB housing loan. Latest CPF statement(s) if you are currently employed with CPF Board Power of Attorney (if you are authorising someone to represent you) The person representing you must bring one certified true copy by the solicitors and two photocopies of the signed Power of Attorney Signed GIRO form if you are paying monthly loan instalments partially or fully by cash You will also be required to log into your Singpass during your appointment if you intend to use CPF savings to pay for your monthly loan instalments. BACK TO TOP Buying an HDB Resale Flat Eligibility Criteria Eligibility Conditions for Resale Flats Before you obtain an Option to Purchase (OTP) from a flat seller, as well as when you submit a resale application to HDB, you need a valid HDB Flat Eligibility (HFE) Letter. The HFE letter will check your eligibility to buy a resale flat and whether you can obtain an HDB housing loan and the CPF housing grant. See also: Overview of Eligibility Conditions What to Expect Timeline You may find more details here about the timeline of buying a resale flat. You may manage the flat purchase on your own or engage an estate agent to help you. Steps Involved Register Preliminary HFE Check To start, you need to first apply for a HDB Flat Eligibility (HFE) letter to know if you can: Buy a HDB resale flat Apply for which CPF housing grants Apply for HDB housing loan (if you intend to loan from HDB) Get Option to Purchase (OTP) To enter into a OTP contract, you would be required to go through the following steps after agreeing on the selling price with the seller. Seller grants OTP to you with the agreed amount of Option Fee (between $1 to $1,000) Review purchase during Option Period of 21 days Exercise OTP to proceed with the purchase You can also choose to let the OTP expire if you decide not to purchase. You may refer to this guide to find more details regarding the OTP process Choose Mode of Financing During your application for a HFE letter, you would be informed of your eligibility for buying a HDB resale flat as well as the amount of HDB housing loan that you are eligible for, should you require one. You can also get a housing loan from a financial institution (FI) . Submit Resale Application You and the seller (or the salesperson) can proceed to submit the resale application after you have exercised the Option to Purchase (OTP). Note that either you or the seller can be the first to submit, but the other party must submit their portion within 7 calendar days. Check Resale Application Status It could take about 8 weeks from HDB's acknowledgement of the resale application to the final step of completing the resale transaction. Check your resale application status or get notified via SMS once HDB approves. Complete Resale Transaction Once HDB has scheduled your appointment, you will also receive SMS notification on your appointment with HDB . This is the only resale appointment at HDB you and the seller need to attend. At this appointment, you (and the seller) will: Sign the mortgage document/ agreement (if you are taking an HDB housing loan) Acknowledge the receipt of the keys to the flat Agree on the payment arrangement of the outstanding property tax with the seller Indicate how you will pay the first month service/ conservancy charges You will become the flat owner upon the resale completion and need to pay for various payments such as housing loan, monthly service/ conservancy charges, annual property tax, etc. See also: Financial Obligations as HDB owner BACK TO TOP You may also be interested in: Sell an HDB Flat Move Into an HDB Flat This page will be updated as additional schemes and measures are introduced. Please contact the respective government agencies if you have any questions about the listings on this page. Last updated: 19 May 2023 BACK TO TOP Give us your feedback Share with us your suggestions with us here.
Markdown	A Singapore Government Agency Website How to identify ![](https://services.life.gov.sg/assets/img/government_building.svg) Official website links end with .gov.sg Government agencies communicate via .gov.sg websites (e.g. go.gov.sg/open). [Trusted websites](https://go.gov.sg/trusted-sites) ![](https://services.life.gov.sg/assets/img/lock.svg) Secure websites use HTTPS Look for a lock (![](https://services.life.gov.sg/assets/img/lock.svg)) or https:// as an added precaution. Share sensitive information only on official, secure websites. [![Homepage](https://services.life.gov.sg/images/lifesg-logo.jpg)](https://services.life.gov.sg/) [About LifeSG](https://www.life.gov.sg/) [FAQ](https://www.life.gov.sg/faqs/about-lifesg) [Get in Touch with Us](https://www.life.gov.sg/get-in-touch) - [HOME](https://services.life.gov.sg/) - [ARE YOU PLANNING TO](https://services.life.gov.sg/government-services/finances/govt-benefits/) - [BUY AN HDB FLAT](https://services.life.gov.sg/government-services/buy-hdb/) # Buy an HDB Flat [Buy an HDB Flat]() [Get Government Benefits](https://services.life.gov.sg/government-services/finances/govt-benefits/) [Buy an HDB Flat](https://services.life.gov.sg/government-services/buy-hdb/) [Sell an HDB Flat](https://services.life.gov.sg/government-services/sell-hdb/) [Move Into an HDB Flat](https://services.life.gov.sg/government-services/move-in/) [Manage Healthcare Costs](https://services.life.gov.sg/government-services/finances/health-expenses/) [Manage Your Family Finances](https://services.life.gov.sg/government-services/finances/family/) [Stay Healthy](https://services.life.gov.sg/government-services/stay-healthy/) - [Get Government Benefits](https://services.life.gov.sg/government-services/finances/govt-benefits/) - [Buy an HDB Flat](https://services.life.gov.sg/government-services/buy-hdb/) - [Sell an HDB Flat](https://services.life.gov.sg/government-services/sell-hdb/) - [Move Into an HDB Flat](https://services.life.gov.sg/government-services/move-in/) - [Manage Healthcare Costs](https://services.life.gov.sg/government-services/finances/health-expenses/) - [Manage Your Family Finances](https://services.life.gov.sg/government-services/finances/family/) - [Stay Healthy](https://services.life.gov.sg/government-services/stay-healthy/) ## Buying an HDB Flat ON THIS PAGE - [Planning Your Flat Purchase](https://services.life.gov.sg/government-services/buy-hdb/#plan) - [Find out your eligibility to buy an HDB flat](https://services.life.gov.sg/government-services/buy-hdb/#flateligibility) - [Plan Your Finances](https://services.life.gov.sg/government-services/buy-hdb/#finances) - [Applying for a Flat From HDB](https://services.life.gov.sg/government-services/buy-hdb/#apply) - [Before You Apply](https://services.life.gov.sg/government-services/buy-hdb/#before-apply) - [What to Expect](https://services.life.gov.sg/government-services/buy-hdb/#timeline) - [Steps Involved](https://services.life.gov.sg/government-services/buy-hdb/#steps) - [Buying an HDB Resale Flat](https://services.life.gov.sg/government-services/buy-hdb/#resale) - [Eligibility Criteria](https://services.life.gov.sg/government-services/buy-hdb/#resale-eligiblity) - [What to Expect](https://services.life.gov.sg/government-services/buy-hdb/#process) - [Steps Involved](https://services.life.gov.sg/government-services/buy-hdb/#resale-steps) # Planning Your Flat Purchase ### Find out your eligibility to buy an HDB flat Understanding your eligibility to buy an HDB flat The eligibility criteria to buy an HDB flat depends on your citizenship, age, income ceiling as well as with whom you are buying the flat. Another criteria to note is that you (and whoever listed in your application) do not own other property overseas or locally, and have not disposed of any within the last 30 months. From 9 May 2023, you must have a valid HDB Flat Eligibility (HFE) letter when you are buying an HDB flat: 1. Apply for a flat in HDB's sales launches or open booking of flats; or 2. Obtain an Option To Purchase (OTP) from a flat seller as well as when submitting a resale application to HDB. The HFE letter will provide you with a holistic understanding of your housing and financing options and help you plan your flat budget before you embark on your home buying journey. If you are a second-timer, it will also provide information on the resale levy/ premium that you will have to pay if you purchase another subsidised flat from HDB. [![HFE Letter](https://services.life.gov.sg/images/hfe%20letter.png)](https://services.life.gov.sg/images/hfe%20letter.png) See also: [Overview of Eligibility Conditions](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/flat-and-grant-eligibility) and Application for an [HDB Flat Eligibility (HFE) letter](https://services2.hdb.gov.sg/web/bp27/PrelimHFE/) ### Plan Your Finances Working out your flat budget It is important for you to work out your flat budget before committing to a flat purchase. Use the [budget or payment plan calculator](https://homes.hdb.gov.sg/home/calculator/budget) to work out a customised financial plan. [![Working out the housing budget](https://services.life.gov.sg/images/budgetcalc.jpg)](https://services.life.gov.sg/images/budgetcalc.jpg) Getting an HDB housing loan Check your eligibility for an HDB housing loan as part of the process when you apply for a [HDB Flat Eligibility (HFE) Letter](https://homes.hdb.gov.sg/home/calculator/budget). [![HFE Letter](https://services.life.gov.sg/images/hfe%20letter.png)](https://services.life.gov.sg/images/hfe%20letter.png) Getting a housing loan from Financial Institutions (FI) You may also finance your flat purchase with a housing loan from a financial institution (FI) that is regulated by the Monetary Authority of Singapore (MAS) by finding out more [here](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/housing-loan-options/housing-loan-from-financial-institutions?anchor=financing-considerations). You should consider and compare the different FI loan packages offered. If you intend to take an FI loan, you may request for an In-Principle Approval (IPA) and Letter of Offer (LO) from the participating FIs through the integrated loan application service on the HDB Flat Portal. [![FI Loan](https://www.hdb.gov.sg/cs/infoweb/-/media/HDBContent/Images/EAPG/EAPG-COS/Apply-for-housing-loans-8-May-2023.ashx)](https://www.hdb.gov.sg/cs/infoweb/-/media/HDBContent/Images/EAPG/EAPG-COS/Apply-for-housing-loans-8-May-2023.ashx) How to Use CPF Savings to Pay for Your Flat You can use your CPF Ordinary Account (OA) savings to pay for your new or resale HDB flats. [Click here](https://www.cpf.gov.sg/member/tools-and-services/calculators/cpf-housing-usage) to calculate how much CPF you can use to buy a HDB Flat. [![Financing your flat with CPF](https://services.life.gov.sg/images/use%20CPF%20OA%20savings%20for%20home.png)](https://services.life.gov.sg/images/use%20CPF%20OA%20savings%20for%20home.png) Financial Commitment as HDB Flat Owner If you are a first-time homebuyer, you should also consider the [various payments](https://www.hdb.gov.sg/cs/infoweb/residential/servicing-your-hdb-housing-loan/loan-matters/payment) to make for an HDB housing loan, should you require one. Check your affordability and minimise the housing loan amount and repayment period to save interest costs. [![Understanding one's ability to pay](https://services.life.gov.sg/images/abilitytopay.png)](https://services.life.gov.sg/images/abilitytopay.png) See also: [ABCs of financial planning and tools](https://www.hdb.gov.sg/residential/buying-a-flat/working-out-your-flat-budget) Use Contra Payment Facility if You Are an Existing HDB Flat Owner You can consider the [Contra Payment Facility](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/key-collection?anchor=contra) if you are buying an HDB flat and currently own another HDB flat. This can help you to: - Reduce the cash outlay needed for your flat - Reduce the housing loan amount needed and the subsequent monthly repayments (without incurring interest) - Collect the keys to your flat while selling your existing flat Apply for Housing Grants First-time buyers may receive an Enhanced CPF Housing Grant of up to \$80,000 when buying a new flat from HDB. If they buy a resale flat, they can get up to \$160,000 in housing grants. This comprises of the CPF Housing Grant of up to \$50,000, Enhanced CPF Housing Grant of up to \$80,000, and Proximity Housing Grant of up to \$30,000. Note: The amount of grants obtained has to be returned to your CPF Ordinary Account with accrued interest when you sell your flat later. It is not the same as a subsidy where the prices are 'discounted'. Set off on your flat buying journey with your HFE Letter With your HFE Letter, you can embark on your buying journey with certainty. Check out the infographic below for the next steps in your home buying journey. [![Your flat buying journey](https://services.life.gov.sg/images/buyjourney.png)](https://services.life.gov.sg/images/buyjourney.png) [BACK TO TOP](https://services.life.gov.sg/government-services/buy-hdb/#top) # Applying for a Flat From HDB ### Before You Apply Eligibility Criteria Before you participate in a sales launch or open booking of flats, you need to obtain a [HDB Flat Eligibility (HFE) letter](https://services2.hdb.gov.sg/web/bp27/PrelimHFE/) to check your eligibility to buy a new flat and whether you can obtain a HDB housing loan and the CPF housing grant [![Your flat buying journey](https://services.life.gov.sg/images/whenineedhfe.jpg)](https://services.life.gov.sg/images/whenineedhfe.jpg) See also: [Overview of Eligibility Conditions](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/flat-and-grant-eligibility) Types of New Flats There are various types of flats that are built to suit a variety of needs: - 2-room Flexi for small families, singles and elderly - 3-room for cosy and compact home - 4-room for a comfortable living space - 5-room for larger households See also: [HDB flat types and its specifications](https://www.hdb.gov.sg/residential/buying-a-flat/finding-a-flat/types-of-flats) Check for Upcoming HDB Sales Launches To buy a new flat from HDB, you need to apply during a sales launch. Check [upcoming HDB sales launches](https://homes.hdb.gov.sg/home/landing) and stay updated with [email updates](https://services2.hdb.gov.sg/webapp/BF08CESS/Index.jsp) HDB Priority Schemes By applying through [HDB Priority Schemes](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/application/priority-schemes), you could improve your chances of getting a balloted number to book an HDB flat. However, do note that you can get priority for only up to 2 schemes. [![HDB priority schemes](https://services.life.gov.sg/images/priorityschemes.png)](https://services.life.gov.sg/images/priorityschemes.png) ### What to Expect Timeline [![HDB Infographic Guide to Buying from HDB](https://www.hdb.gov.sg/cs/infoweb/-/media/HDBContent/Images/EAPG/EAPG-CSC/Buying-timeline---May-2023.ashx)](https://www.hdb.gov.sg/cs/infoweb/-/media/HDBContent/Images/EAPG/EAPG-CSC/Buying-timeline---May-2023.ashx) You may find [more details here](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/timeline) about the timeline of buying a flat. ### Steps Involved How to Apply You may apply for a flat in the following purchase mode(s): - [Build-To-Order/ Sale of Balance Flats/ Open Booking](https://homes.hdb.gov.sg/home/landing) Check Flat Application Status As an applicant, you can check for updates regarding your flat application and whether a queue number has been balloted to you. Book Your Preferred Flat Unit If you have been shortlisted, you will be notified and invited to an [HDB flat selection appointment](https://services2.hdb.gov.sg/webapp/FI10PPORTAL/FI10PAtAGlance.jsp) within two weeks from the release of your ballot results. At this appointment, you will be required to pay a booking fee via NETS. The [booking fees](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/booking-of-flat?anchor=option-fee) range from \$500 to \$2000 depending on the type of flat you choose. Sign Agreement for Lease You (and all persons listed in the application) will also need to bring along original copies of these [documents](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/sign-agreement-for-lease): - Identity cards of all persons listed in the application - Letter of Offer from the financial institution if you are taking a housing loan from a financial institution - Latest CPF statement(s) if you are currently employed with CPF Board - Power of Attorney (if you are authorising someone to represent you) - The person representing you must bring one certified true copy by the solicitors and two photocopies of the signed Power of Attorney You will also need to log into your Singpass during your appointment if you intend to use CPF savings to pay for your downpayment (usually 10% of the flat price). You can consider if you can split your downpayment into 2 instalments using the [Staggered Downpayment Scheme](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/sign-agreement-for-lease?anchor=sds). Collect Your Keys You will be invited by HDB to collect your keys when your project is ready. Check your [HDB appointment online](https://services2.hdb.gov.sg/webapp/FI10PPORTAL/FI10PAtAGlance.jsp) to know when you can collect your keys. Do bring along original copies of these [documents](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/key-collection) for your appointment: - Identity cards of all persons listed in the application - Certificate of insurance - You must buy fire insurance from HDB's appointed insurer, [FWD Singapore Pte Ltd (FWD)](https://www.fwd.com.sg/fire-insurance/), if you are taking an HDB housing loan. - Latest CPF statement(s) if you are currently employed with CPF Board - Power of Attorney (if you are authorising someone to represent you) - The person representing you must bring one certified true copy by the solicitors and two photocopies of the signed Power of Attorney - Signed GIRO form if you are paying monthly loan instalments partially or fully by cash You will also be required to log into your Singpass during your appointment if you intend to use CPF savings to pay for your monthly loan instalments. [BACK TO TOP](https://services.life.gov.sg/government-services/buy-hdb/#top) # Buying an HDB Resale Flat ### Eligibility Criteria Eligibility Conditions for Resale Flats Before you obtain an Option to Purchase (OTP) from a flat seller, as well as when you submit a resale application to HDB, you need a valid HDB Flat Eligibility (HFE) Letter. The HFE letter will check your eligibility to buy a resale flat and whether you can obtain an HDB housing loan and the CPF housing grant. [![When do i need HFE for resale buyers](https://services.life.gov.sg/images/resalehfe.jpg)](https://services.life.gov.sg/images/resalehfe.jpg) See also: [Overview of Eligibility Conditions](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/flat-and-grant-eligibility) ### What to Expect Timeline [![HDB Resale Guide](https://www.hdb.gov.sg/cs/infoweb/-/media/HDBContent/Images/EAPG/EAPG-CSC/Buying-a-resale-flat---May-2023.ashx)](https://www.hdb.gov.sg/cs/infoweb/-/media/HDBContent/Images/EAPG/EAPG-CSC/Buying-a-resale-flat---May-2023.ashx) You may find [more details here](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-resale-flats/overview) about the timeline of buying a resale flat. You may manage the flat purchase [on your own](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-resale-flats/plan-source-and-contract/planning-considerations/managing-the-flat-purchase) or engage an estate agent to help you. ### Steps Involved Register Preliminary HFE Check To start, you need to first apply for a [HDB Flat Eligibility (HFE) letter](https://services2.hdb.gov.sg/web/bp27/PrelimHFE/) to know if you can: - Buy a HDB resale flat - Apply for which CPF housing grants - Apply for HDB housing loan (if you intend to loan from HDB) Evaluate Suitable Flat Options When evaluating options, - [Check details of the flat options](https://services2.hdb.gov.sg/web/fi10/emap.html) such as past resale transactions, Ethnic Integration Policy quotas, Singapore/PR quotas - [Check other HDB resale statistics](https://www.hdb.gov.sg/cs/infoweb/residential/selling-a-flat/overview/resale-statistics) such as resale price index for overall HDB resale pricing trends. Get Option to Purchase (OTP) To enter into a OTP contract, you would be required to go through the following steps after agreeing on the selling price with the seller. 1. Seller [grants OTP](https://services2.hdb.gov.sg/web/bp28/TimeLine/my-flat-dashboard) to you with the agreed amount of Option Fee (between \$1 to \$1,000) 2. Review purchase during Option Period of 21 days 3. Exercise OTP to proceed with the purchase You can also choose to let the OTP expire if you decide not to purchase. You may refer to [this guide](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-resale-flats/plan-source-and-contract/option-to-purchase) to find more details regarding the OTP process Choose Mode of Financing During your application for a HFE letter, you would be informed of your eligibility for buying a HDB resale flat as well as the amount of HDB housing loan that you are eligible for, should you require one. You can also get a [housing loan from a financial institution (FI)](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/housing-loan-options/housing-loan-from-financial-institutions). Submit Resale Application You and the seller (or the salesperson) can proceed to [submit the resale application](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-resale-flats/resale-application/application) after you have exercised the Option to Purchase (OTP). Note that either you or the seller can be the first to submit, but the other party must submit their portion within 7 calendar days. Acknowledge Resale Documents You will be invited by HDB to [endorse resale documents and pay the resale fees online](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-resale-flats/resale-application/acceptance-and-approval) before approving the transaction. Check Resale Application Status It could take about 8 weeks from HDB's acknowledgement of the resale application to the final step of completing the resale transaction. Check your [resale application status](https://services2.hdb.gov.sg/web/bp28/TimeLine/my-flat-dashboard) or get notified via SMS once HDB approves. Complete Resale Transaction Once HDB has scheduled your appointment, you will also receive SMS notification on your [appointment with HDB](https://services2.hdb.gov.sg/web/bp28/TimeLine/my-flat-dashboard). This is the only resale appointment at HDB you and the seller need to attend. At this appointment, you (and the seller) will: - Sign the mortgage document/ agreement (if you are taking an HDB housing loan) - Acknowledge the receipt of the keys to the flat - Agree on the payment arrangement of the outstanding property tax with the seller - Indicate how you will pay the first month service/ conservancy charges You will become the flat owner upon the resale completion and need to pay for various payments such as housing loan, monthly service/ conservancy charges, annual property tax, etc. See also: [Financial Obligations as HDB owner](https://www.hdb.gov.sg/cs/infoweb/residential/servicing-your-hdb-housing-loan/loan-matters/payment) [BACK TO TOP](https://services.life.gov.sg/government-services/buy-hdb/#top) * You may also be interested in: - [Sell an HDB Flat](https://services.life.gov.sg/government-services/sell-hdb/) - [Move Into an HDB Flat](https://services.life.gov.sg/government-services/move-in/) * This page will be updated as additional schemes and measures are introduced. Please contact the respective government agencies if you have any questions about the listings on this page. Last updated: 19 May 2023 [BACK TO TOP](https://services.life.gov.sg/government-services/buy-hdb/#top) * # Give us your feedback Share with us your suggestions with us [here.](https://form.gov.sg/5ed0995e42ee5f00110e10cc) [PREVIOUS Get Government Benefits](https://services.life.gov.sg/government-services/finances/govt-benefits/) [NEXT Sell an HDB Flat](https://services.life.gov.sg/government-services/sell-hdb/) ##### LifeSG [About LifeSG](https://www.life.gov.sg/) [Get in Touch with Us](https://www.life.gov.sg/get-in-touch)** - [FAQ](https://www.life.gov.sg/help-support) - [Contact Us](https://www.life.gov.sg/) - [Report Vulnerability](https://www.tech.gov.sg/report-vulnerability/) - [Privacy Statement](https://services.life.gov.sg/privacy/) - [Terms of Use](https://services.life.gov.sg/terms-of-use/) [About LifeSG](https://www.life.gov.sg/) [Get in Touch with Us](https://www.life.gov.sg/get-in-touch) [FAQ](https://www.life.gov.sg/help-support) [Contact Us](https://www.life.gov.sg/) [Report Vulnerability](https://www.tech.gov.sg/report-vulnerability/) [Privacy Statement](https://services.life.gov.sg/privacy/) [Terms of Use](https://services.life.gov.sg/terms-of-use/) - [Created with ![Isomer Logo](https://services.life.gov.sg/assets/img/isomer_logo.svg)](https://www.isomer.gov.sg/) - [Built by ![Open Government Products Logo](https://services.life.gov.sg/assets/img/ogp_logo.svg)](https://www.open.gov.sg/) © 2025 LifeSG, Last Updated 31 Jul 2025 © 2025 LifeSG, Last Updated 31 Jul 2025
Readable Markdown	- [HOME](https://services.life.gov.sg/) - [ARE YOU PLANNING TO](https://services.life.gov.sg/government-services/finances/govt-benefits/) - [BUY AN HDB FLAT](https://services.life.gov.sg/government-services/buy-hdb/) ## Buying an HDB Flat ON THIS PAGE - [Planning Your Flat Purchase](https://services.life.gov.sg/government-services/buy-hdb/#plan) - [Find out your eligibility to buy an HDB flat](https://services.life.gov.sg/government-services/buy-hdb/#flateligibility) - [Plan Your Finances](https://services.life.gov.sg/government-services/buy-hdb/#finances) - [Applying for a Flat From HDB](https://services.life.gov.sg/government-services/buy-hdb/#apply) - [Before You Apply](https://services.life.gov.sg/government-services/buy-hdb/#before-apply) - [What to Expect](https://services.life.gov.sg/government-services/buy-hdb/#timeline) - [Steps Involved](https://services.life.gov.sg/government-services/buy-hdb/#steps) - [Buying an HDB Resale Flat](https://services.life.gov.sg/government-services/buy-hdb/#resale) - [Eligibility Criteria](https://services.life.gov.sg/government-services/buy-hdb/#resale-eligiblity) - [What to Expect](https://services.life.gov.sg/government-services/buy-hdb/#process) - [Steps Involved](https://services.life.gov.sg/government-services/buy-hdb/#resale-steps) ## Planning Your Flat Purchase ### Find out your eligibility to buy an HDB flat Understanding your eligibility to buy an HDB flat The eligibility criteria to buy an HDB flat depends on your citizenship, age, income ceiling as well as with whom you are buying the flat. Another criteria to note is that you (and whoever listed in your application) do not own other property overseas or locally, and have not disposed of any within the last 30 months. From 9 May 2023, you must have a valid HDB Flat Eligibility (HFE) letter when you are buying an HDB flat: 1. Apply for a flat in HDB's sales launches or open booking of flats; or 2. Obtain an Option To Purchase (OTP) from a flat seller as well as when submitting a resale application to HDB. The HFE letter will provide you with a holistic understanding of your housing and financing options and help you plan your flat budget before you embark on your home buying journey. If you are a second-timer, it will also provide information on the resale levy/ premium that you will have to pay if you purchase another subsidised flat from HDB. [![HFE Letter](https://services.life.gov.sg/images/hfe%20letter.png)](https://services.life.gov.sg/images/hfe%20letter.png) See also: [Overview of Eligibility Conditions](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/flat-and-grant-eligibility) and Application for an [HDB Flat Eligibility (HFE) letter](https://services2.hdb.gov.sg/web/bp27/PrelimHFE/) ### Plan Your Finances Working out your flat budget It is important for you to work out your flat budget before committing to a flat purchase. Use the [budget or payment plan calculator](https://homes.hdb.gov.sg/home/calculator/budget) to work out a customised financial plan. [![Working out the housing budget](https://services.life.gov.sg/images/budgetcalc.jpg)](https://services.life.gov.sg/images/budgetcalc.jpg) Getting a housing loan from Financial Institutions (FI) You may also finance your flat purchase with a housing loan from a financial institution (FI) that is regulated by the Monetary Authority of Singapore (MAS) by finding out more [here](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/housing-loan-options/housing-loan-from-financial-institutions?anchor=financing-considerations). You should consider and compare the different FI loan packages offered. If you intend to take an FI loan, you may request for an In-Principle Approval (IPA) and Letter of Offer (LO) from the participating FIs through the integrated loan application service on the HDB Flat Portal. [![FI Loan](https://www.hdb.gov.sg/cs/infoweb/-/media/HDBContent/Images/EAPG/EAPG-COS/Apply-for-housing-loans-8-May-2023.ashx)](https://www.hdb.gov.sg/cs/infoweb/-/media/HDBContent/Images/EAPG/EAPG-COS/Apply-for-housing-loans-8-May-2023.ashx) How to Use CPF Savings to Pay for Your Flat You can use your CPF Ordinary Account (OA) savings to pay for your new or resale HDB flats. [Click here](https://www.cpf.gov.sg/member/tools-and-services/calculators/cpf-housing-usage) to calculate how much CPF you can use to buy a HDB Flat. [![Financing your flat with CPF](https://services.life.gov.sg/images/use%20CPF%20OA%20savings%20for%20home.png)](https://services.life.gov.sg/images/use%20CPF%20OA%20savings%20for%20home.png) Financial Commitment as HDB Flat Owner If you are a first-time homebuyer, you should also consider the [various payments](https://www.hdb.gov.sg/cs/infoweb/residential/servicing-your-hdb-housing-loan/loan-matters/payment) to make for an HDB housing loan, should you require one. Check your affordability and minimise the housing loan amount and repayment period to save interest costs. [![Understanding one's ability to pay](https://services.life.gov.sg/images/abilitytopay.png)](https://services.life.gov.sg/images/abilitytopay.png) See also: [ABCs of financial planning and tools](https://www.hdb.gov.sg/residential/buying-a-flat/working-out-your-flat-budget) Use Contra Payment Facility if You Are an Existing HDB Flat Owner You can consider the [Contra Payment Facility](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/key-collection?anchor=contra) if you are buying an HDB flat and currently own another HDB flat. This can help you to: - Reduce the cash outlay needed for your flat - Reduce the housing loan amount needed and the subsequent monthly repayments (without incurring interest) - Collect the keys to your flat while selling your existing flat Apply for Housing Grants First-time buyers may receive an Enhanced CPF Housing Grant of up to \$80,000 when buying a new flat from HDB. If they buy a resale flat, they can get up to \$160,000 in housing grants. This comprises of the CPF Housing Grant of up to \$50,000, Enhanced CPF Housing Grant of up to \$80,000, and Proximity Housing Grant of up to \$30,000. Note: The amount of grants obtained has to be returned to your CPF Ordinary Account with accrued interest when you sell your flat later. It is not the same as a subsidy where the prices are 'discounted'. Set off on your flat buying journey with your HFE Letter With your HFE Letter, you can embark on your buying journey with certainty. Check out the infographic below for the next steps in your home buying journey. [![Your flat buying journey](https://services.life.gov.sg/images/buyjourney.png)](https://services.life.gov.sg/images/buyjourney.png) [BACK TO TOP](https://services.life.gov.sg/government-services/buy-hdb/#top) ## Applying for a Flat From HDB ### Before You Apply Types of New Flats There are various types of flats that are built to suit a variety of needs: - 2-room Flexi for small families, singles and elderly - 3-room for cosy and compact home - 4-room for a comfortable living space - 5-room for larger households See also: [HDB flat types and its specifications](https://www.hdb.gov.sg/residential/buying-a-flat/finding-a-flat/types-of-flats) HDB Priority Schemes By applying through [HDB Priority Schemes](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/application/priority-schemes), you could improve your chances of getting a balloted number to book an HDB flat. However, do note that you can get priority for only up to 2 schemes. [![HDB priority schemes](https://services.life.gov.sg/images/priorityschemes.png)](https://services.life.gov.sg/images/priorityschemes.png) ### What to Expect ### Steps Involved Check Flat Application Status As an applicant, you can check for updates regarding your flat application and whether a queue number has been balloted to you. Book Your Preferred Flat Unit If you have been shortlisted, you will be notified and invited to an [HDB flat selection appointment](https://services2.hdb.gov.sg/webapp/FI10PPORTAL/FI10PAtAGlance.jsp) within two weeks from the release of your ballot results. At this appointment, you will be required to pay a booking fee via NETS. The [booking fees](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/booking-of-flat?anchor=option-fee) range from \$500 to \$2000 depending on the type of flat you choose. Sign Agreement for Lease You (and all persons listed in the application) will also need to bring along original copies of these [documents](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/sign-agreement-for-lease): - Identity cards of all persons listed in the application - Letter of Offer from the financial institution if you are taking a housing loan from a financial institution - Latest CPF statement(s) if you are currently employed with CPF Board - Power of Attorney (if you are authorising someone to represent you) - The person representing you must bring one certified true copy by the solicitors and two photocopies of the signed Power of Attorney You will also need to log into your Singpass during your appointment if you intend to use CPF savings to pay for your downpayment (usually 10% of the flat price). You can consider if you can split your downpayment into 2 instalments using the [Staggered Downpayment Scheme](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/sign-agreement-for-lease?anchor=sds). Collect Your Keys You will be invited by HDB to collect your keys when your project is ready. Check your [HDB appointment online](https://services2.hdb.gov.sg/webapp/FI10PPORTAL/FI10PAtAGlance.jsp) to know when you can collect your keys. Do bring along original copies of these [documents](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-new-flats/key-collection) for your appointment: - Identity cards of all persons listed in the application - Certificate of insurance - You must buy fire insurance from HDB's appointed insurer, [FWD Singapore Pte Ltd (FWD)](https://www.fwd.com.sg/fire-insurance/), if you are taking an HDB housing loan. - Latest CPF statement(s) if you are currently employed with CPF Board - Power of Attorney (if you are authorising someone to represent you) - The person representing you must bring one certified true copy by the solicitors and two photocopies of the signed Power of Attorney - Signed GIRO form if you are paying monthly loan instalments partially or fully by cash You will also be required to log into your Singpass during your appointment if you intend to use CPF savings to pay for your monthly loan instalments. [BACK TO TOP](https://services.life.gov.sg/government-services/buy-hdb/#top) ## Buying an HDB Resale Flat ### Eligibility Criteria Eligibility Conditions for Resale Flats Before you obtain an Option to Purchase (OTP) from a flat seller, as well as when you submit a resale application to HDB, you need a valid HDB Flat Eligibility (HFE) Letter. The HFE letter will check your eligibility to buy a resale flat and whether you can obtain an HDB housing loan and the CPF housing grant. [![When do i need HFE for resale buyers](https://services.life.gov.sg/images/resalehfe.jpg)](https://services.life.gov.sg/images/resalehfe.jpg) See also: [Overview of Eligibility Conditions](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/flat-and-grant-eligibility) ### What to Expect Timeline [![HDB Resale Guide](https://www.hdb.gov.sg/cs/infoweb/-/media/HDBContent/Images/EAPG/EAPG-CSC/Buying-a-resale-flat---May-2023.ashx)](https://www.hdb.gov.sg/cs/infoweb/-/media/HDBContent/Images/EAPG/EAPG-CSC/Buying-a-resale-flat---May-2023.ashx) You may find [more details here](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-resale-flats/overview) about the timeline of buying a resale flat. You may manage the flat purchase [on your own](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-resale-flats/plan-source-and-contract/planning-considerations/managing-the-flat-purchase) or engage an estate agent to help you. ### Steps Involved Register Preliminary HFE Check To start, you need to first apply for a [HDB Flat Eligibility (HFE) letter](https://services2.hdb.gov.sg/web/bp27/PrelimHFE/) to know if you can: - Buy a HDB resale flat - Apply for which CPF housing grants - Apply for HDB housing loan (if you intend to loan from HDB) Get Option to Purchase (OTP) To enter into a OTP contract, you would be required to go through the following steps after agreeing on the selling price with the seller. 1. Seller [grants OTP](https://services2.hdb.gov.sg/web/bp28/TimeLine/my-flat-dashboard) to you with the agreed amount of Option Fee (between \$1 to \$1,000) 2. Review purchase during Option Period of 21 days 3. Exercise OTP to proceed with the purchase You can also choose to let the OTP expire if you decide not to purchase. You may refer to [this guide](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-resale-flats/plan-source-and-contract/option-to-purchase) to find more details regarding the OTP process Choose Mode of Financing During your application for a HFE letter, you would be informed of your eligibility for buying a HDB resale flat as well as the amount of HDB housing loan that you are eligible for, should you require one. You can also get a [housing loan from a financial institution (FI)](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/housing-loan-options/housing-loan-from-financial-institutions). Submit Resale Application You and the seller (or the salesperson) can proceed to [submit the resale application](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-resale-flats/resale-application/application) after you have exercised the Option to Purchase (OTP). Note that either you or the seller can be the first to submit, but the other party must submit their portion within 7 calendar days. Check Resale Application Status It could take about 8 weeks from HDB's acknowledgement of the resale application to the final step of completing the resale transaction. Check your [resale application status](https://services2.hdb.gov.sg/web/bp28/TimeLine/my-flat-dashboard) or get notified via SMS once HDB approves. Complete Resale Transaction Once HDB has scheduled your appointment, you will also receive SMS notification on your [appointment with HDB](https://services2.hdb.gov.sg/web/bp28/TimeLine/my-flat-dashboard). This is the only resale appointment at HDB you and the seller need to attend. At this appointment, you (and the seller) will: - Sign the mortgage document/ agreement (if you are taking an HDB housing loan) - Acknowledge the receipt of the keys to the flat - Agree on the payment arrangement of the outstanding property tax with the seller - Indicate how you will pay the first month service/ conservancy charges You will become the flat owner upon the resale completion and need to pay for various payments such as housing loan, monthly service/ conservancy charges, annual property tax, etc. See also: [Financial Obligations as HDB owner](https://www.hdb.gov.sg/cs/infoweb/residential/servicing-your-hdb-housing-loan/loan-matters/payment) [BACK TO TOP](https://services.life.gov.sg/government-services/buy-hdb/#top) * You may also be interested in: - [Sell an HDB Flat](https://services.life.gov.sg/government-services/sell-hdb/) - [Move Into an HDB Flat](https://services.life.gov.sg/government-services/move-in/) * This page will be updated as additional schemes and measures are introduced. Please contact the respective government agencies if you have any questions about the listings on this page. Last updated: 19 May 2023 [BACK TO TOP](https://services.life.gov.sg/government-services/buy-hdb/#top) *** ## Give us your feedback Share with us your suggestions with us [here.](https://form.gov.sg/5ed0995e42ee5f00110e10cc)
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