Services
Buying a Resale HDB
Searching for a new home? Consider a resale HDB flat. Whether you want a bustling city spot or a quiet family area, we’ll help you find your perfect space. Discover your ideal nook in a vibrant community to call home.
Why Buy a Resale HDB Flat?
HDB flats offer great value with affordability, government grants, and excellent amenities—perfect for first-time buyers or those upgrading.
Affordability
HDB flats are affordable for first-time buyers, with subsidies like the CPF Housing Grant and EHG reducing costs.
Amenities Nearby
HDB estates offer well-planned amenities, including schools, parks, hawker centers, and transport options.
Size Flexibility
HDB provides various flat sizes, from 2-room units to Executive Apartments, catering to both small and larger families.
High Demand
Resale HDB flats, especially 3- to 5-room units, are in high demand for their immediate availability compared to lengthy BTO waits.
How We Make It Easy
We get it—house hunting can be stressful. Here’s how we make the process as smooth (and fun) as possible!
Curated Listings Just for You
No endless scrolling here. We handpick the perfect homes that match your wish list.
Expert Support at Every Step
From figuring out your finances to scoring the best deal, our team has your back.
Seamless Process
We handle the nitty-gritty so you can focus on the exciting part—decorating your new home!
What Clients Are Saying
- I feel lucky to have met such a kind, helpful agent. You’re knowledgeable, proactive, and always kept me updated, especially on the 7th property cooling measures. I truly appreciate your ...
- Thank you for helping us secure our dream unit in Lilydale! Despite the seller’s demands and high demand for the unit, your drive, passion, and knowledge made it happen. We ...
- Patricia was incredibly professional and a pleasure to work with. She recently helped my son purchase his condo, providing all the resources to make the process smooth and stress-free. I ...
- Patricia’s patience and expertise made condo investing a breeze. Her valuable advice throughout the process helped me make a confident, informed decision. ...
- Patricia was patient, explained my financial options, arranged many viewings, and followed up even after I got the keys. She’s sweet but assertive in negotiations. Highly recommended! ...
- Patricia’s warm approach was a key factor in choosing her. Her honesty and willingness to suggest alternative options helped us connect throughout the process. ...
Frequently Asked Questions
Got questions? We've got answers! Find everything you need to know about Buying a Resale HDB right here.
Get a Free ConsultationWho is eligible to buy a resale HDB flat?
Buyers must meet HDB’s eligibility criteria, which include factors like citizenship, age, income, and family nucleus.
What grants are available for resale HDB buyers?
Depending on your eligibility, you can access the Family Grant, Enhanced CPF Housing Grant (EHG), or the Proximity Housing Grant.
What is the process for buying a resale HDB flat?
It involves several steps: determining eligibility, financing, searching for a flat, negotiating, submitting the resale application, and completing the transaction.
- Initial Consultation, HFE Application, and Financial Assessment
- Exploring the Market & Shortlisting Flats
- Securing an Option to Purchase (OTP)
- Financial Arrangement & Legal Processes
- Exercise the Option and HDB’s Resale Application
- HDB Appointment for Completion and Key Collection
How much down payment is required for a resale HDB flat?
For loans from HDB, the minimum down payment is 10% of the flat’s price, and 25% if you’re taking a bank loan.
What are the renovation and maintenance considerations for resale flats?
Resale flats may require renovation, depending on their age and condition. Budgeting for maintenance and possible upgrades is essential.
Can I use CPF to finance my resale flat purchase?
Yes, you can use your CPF savings to pay for the down payment, monthly loan repayments, and other fees related to the purchase.
What is the option fee and exercise fee?
The option fee is paid when you secure an Option to Purchase (OTP), typically between $1 to $1,000, and the exercise fee is paid to confirm the purchase, capped at $4,000.
How long does it take to complete the resale process?
The whole process usually takes around 8 to 12 weeks from submitting the resale application to receiving the keys.