The HDB resale selling process in Singapore typically takes 4 to 4.5 months and involves several key steps — from preparing your flat to completing the sale at HDB Hub.
Step 1: Check Eligibility & Minimum Occupation Period (MOP)
Step 2: Set Your Price
✅ Check your estimated HDB flat valuation on free platform such as SRX or Soreal
✅ Review recent resale transactions in your area
✅ Understand current market demand
Tip: Correct pricing is critical —
overpricing = no offers
underpricing = lost value.
Step 3: List Your Flat
✅ List on HDB Resale Portal
✅ Use Carousell Property for direct buyers
✅ Promote on social media / Facebook groups
Note:
✨ PropertyGuru requires listing through a licensed agent
✨ 99.co allows owner listings, but they are primarily visible to agents — not to public buyers
Step 4: Conduct Viewings
✅ Be flexible — evenings and weekends are most preferred by buyers
✅ Prepare your home — clean, well-lit, decluttered
✅ Keep communication professional and responsive
Pro Tips for Successful Viewings:
✅ Switch on all lights and open curtains — bright homes feel more inviting
✅ Air the space before viewings — avoid cooking strong-smelling meals before a visit
✅ Highlight unique features — for example: “This unit is just 5 minutes’ walk to the MRT” or “North-South facing, no afternoon sun”
✅ Turn on the aircon if the weather is very humid.
✅ Manage your schedule — avoid back-to-back viewings, give time to reset the home between appointments
Remember:
With DIY selling, you are the host — creating a good first impression often leads to faster and better offers!
Step 5: Negotiate & Issue Option to Purchase (OTP)
✅ Negotiate the sale price & terms with the buyer
✅ Issue Option to Purchase (OTP) — standard 21-day option period
✅ Buyer exercises OTP and arranges financing (loan approval, CPF usage)
Important Tips for Timeline Planning:
✅ If you are buying and selling concurrently, allow at least 2–3 weeks between your sale completion and your next purchase completion → this ensures your CPF refund is available in time for your next downpayment
✅ If you need more time to find your next home, consider extending the resale submission period → this gives you more flexibility before locking in HDB’s timeline
✅ If a 3-month extension (temporary extension of stay) is required, communicate this clearly to buyers upfront — some buyers may not accept this if informed too late
Step 6: Submit Resale Application to HDB
✅ Seller and buyer submit resale application on the HDB Resale Portal
✅ HDB reviews and approves the application — typically takes 4 weeks
Pro Tips:
✅ Coordinate closely with the buyer → both parties should submit their portions within 7 days of each other (HDB requirement)
✅ Maintain constant communication — WhatsApp or call the buyer (or their agent) to ensure no delays
✅ Submitting too far apart can cause processing delays or rejection of the application → timing is key
Step 7: Completion Appointment at HDB Hub
✅ Attend Completion Appointment at HDB Hub (~8 weeks after approval)
✅ Final funds disbursed — seller receives sale proceeds but CPF refund will only come in 2-3 weeks later.
✅ Keys handed over — sale officially complete
Important Tip —
If You Are Granting a 3-Month Extension of Stay:
✅ You must still attend the Completion Appointment at HDB Hub as scheduled
✅ The official completion and funds disbursed happen on this date
✅ Keys handover will be done privately between buyer and seller after the extension period ends (not at the HDB appointment)
