FAQ

Thinking of selling your HDB flat affordably?

Here are answers to the most common questions homeowners ask about using Cosell’s fixed-fee service to save on agent commissions.

  1. What is the cheapest way to sell my HDB flat in Singapore?

Answer:


The cheapest way is to sell your flat without paying a full agent commission.

You can market your HDB yourself, handle viewings, and manage paperwork — avoiding 2–3% fees.


Cosell helps you bridge the gap:

✅ We handle marketing and pricing

✅ We manage buyer communications

✅ You manage viewings on your own schedule without being restricted by an agent’s availability


Result:

You save thousands while staying in control.

  1. What are the cheapest property agent services in Singapore?

Answer:


The cheapest property agent services are fixed-fee models like Cosell, where you pay a flat rate instead of a percentage-based commission.

 

Traditional agents typically charge 1–2% of your sale price, which can be $10,000 to $20,000 or more.

 

In contrast, Cosell charges just $2,699 (GST inclusive) — with:

 

✅ Full marketing

✅ Buyer negotiation support

✅ Paperwork management

 

You manage viewings on your own schedule — without being restricted by an agent’s availability — giving you more flexibility and saving you thousands.

 

This makes Cosell one of the most affordable agent services in Singapore for HDB sellers.

  1. How much does Cosell charge to sell a property?

Answer:


Cosell charges a simple, transparent fixed fee of $2,699 (GST inclusive) to sell your HDB flat.

 

This fee covers:

 

✅ Professional marketing

✅ Pricing strategy and valuation advice

✅ Buyer screening and negotiation

✅ Full support for HDB paperwork and timelines

 

You manage viewings on your own schedule — without being restricted by an agent’s availability — while we handle the rest behind the scenes.

 

Note: Government-related fees (such as HDB application fees, stamp duties, and valuation fees) are paid separately to third parties and are not included in Cosell’s fixed fee.

  1. Can I sell my HDB flat without an agent in Singapore?

Answer:


Yes — many HDB homeowners in Singapore choose to sell without an agent to save on commission fees.

 

Here’s a typical agent-free process:

 

✅ List your flat on platforms like HDB Resale Portal, Carousell, and social media

✅ Price it correctly using valuation and recent transactions

✅ Arrange and conduct viewings yourself

✅ Negotiate with interested buyers

✅ Complete HDB resale paperwork and timelines

 

👉 You can read our full HDB Resale Selling Guide here.

👉 You can also check our HDB Home Seller Checklist here.

 

Cosell helps with pricing, marketing, negotiation, and paperwork — so you can focus only on viewings, and save thousands on agent fees.

  1. Why is Cosell’s price so low compared to traditional agents?

Answer:


Cosell is designed for smart, confident sellers who can manage their own viewings.


We focus on what truly matters:

✅ Pricing and valuation strategy

✅ Marketing and exposure

✅ Buyer management and negotiation

✅ HDB paperwork and timelines


By skipping unnecessary overhead — such as managing viewings or paying large agency commissions — we run a leaner model.


This allows us to deliver expert service for a fixed fee of $2,699 (GST inclusive) — helping you save thousands while ensuring a smooth, supported sale.

  1. Is it worth paying a property agent to sell my HDB flat?

Answer:

Whether it’s worth paying a full agent depends on your priorities.

 

If you want to save on high commissions and are comfortable managing your own viewings, a fixed-fee service like Cosell can be a smarter and recommended choice.

 

Traditional agents typically charge 1–2% commission, costing $10,000–$20,000 for many HDB flats.

 

In contrast, Cosell provides expert marketing, negotiation, and paperwork support for a fixed fee of $2,699 (GST inclusive) — helping you save thousands while selling confidently.

 

For many sellers, this offers better value than paying full commission.

 

👉 You can also read our article on the Hidden Costs of DIY Selling here.

  1. Can I advertise my HDB flat on PropertyGuru or 99.co without an agent?

Answer:


PropertyGuru only allows licensed agents to post listings.

 

On 99.co, owners can technically post listings, but these are primarily seen by agents, not by public buyers.

 

You can list your flat on:

 

✅ HDB Resale Portal — open to public buyers

✅ Carousell Property — also open to public buyers and direct enquiries

 

Cosell helps by boosting your marketing reach across key platforms, increasing visibility to serious buyers, while you stay in control of the selling process.

  1. What are the benefits of handling viewings myself with Cosell?

Answer:


Handling your own viewings offers several key advantages:

 

✅ You can schedule viewings flexibly, including evenings and weekends — without being restricted by an agent’s availability

✅ You personally showcase your home to buyers — no third-party filtering or delays

✅ Buyers often appreciate a more genuine, direct viewing experience

 

With Cosell, you manage viewings on your own schedule, while we handle everything else — including marketing, negotiation, and paperwork — all for a fixed fee of $2,699 (GST inclusive).

  1. How long does it take to sell an HDB flat in Singapore?

Answer:


On average, the full resale process takes about 4 to 4.5 months from offer to completion.

 

Here’s a typical timeline:

 

✅ Option to Purchase (OTP) issued & exercised

~3 weeks

✅ Resale application submitted to HDB

~7 to 90 days

(negotiable between buyer and seller)

✅ HDB processing and approval

~4 weeks

✅ Completion appointment at HDB

~8 weeks after approval

 

Cosell guides you through each step of the process — helping ensure a smooth and timely transaction from start to finish.

On average, the full resale process takes about 4 to 4.5 months from offer to completion:

  • Option to Purchase (OTP) issued & exercised

    ~3 weeks

  • Resale application submitted to HDB

    ~7 days to 90 days (Negotiable)

  • HDB processing and approval

    ~4 weeks

  • Completion appointment at HDB

    ~8 weeks after approval


Cosell guides you through each step, ensuring a smooth and timely transaction.

  1. What can I do if my HDB listing has no buyers or no calls?

Answer:

It’s common for DIY listings to struggle with low traction.

 

If your listing isn’t getting calls, here are some common factors to check:

 

✅ Your pricing may need adjustment

✅ The listing copy or photos may need refreshing

✅ Your platform choice or exposure may be too limited

 

Cosell can help you remarket, reprice, and rewrite your listing to attract serious buyers.

 

Most of our clients see results within 1–2 weeks after joining Cosell.

 

👉 You can also read our guide on Common Mistakes HDB Sellers Make here.

  1. Can I sell my HDB flat before meeting the Minimum Occupation Period (MOP)?

Answer:


Generally, you cannot sell your HDB flat before completing the 5-year Minimum Occupation Period (MOP).

 

There are rare exceptions, such as:

 

✅ Divorce

✅ Financial hardship

✅ Special approval from HDB

(on a case-by-case basis)

 

Cosell can help check your eligibility and advise you on your options if you’re unsure about your situation.

👉 Thinking of selling?
Check out Cosell’s fixed-fee service
and see how much you can save!

👉 Thinking of selling?
Check out Cosell’s fixed-fee service
and see how much you can save!