1. Check Your Eligibility

Before starting, ensure that you meet HDB’s eligibility requirements.

• Ethnic quota & SPR quota
• Citizenship requirements
• Family nucleus conditions
• 15-month wait-out (if applicable)

2. Apply for Your HFE Letter

You’ll need an HDB Flat Eligibility (HFE) letter before viewing flats. This determines:

• Eligibility to buy
• Loan amount
• Grant eligibility

3. View and Shortlist Flats

Choose flats based on location, lease, condition, and past transaction data.

4. Secure the Option to Purchase (OTP)

Pay up to $1,000 to secure the unit exclusively for 21 days while you confirm financing.

5. Submit the Resale Application

Buyer and seller submit documents on the HDB portal to initiate the resale process.

6. HDB Approval

HDB will verify all documents and schedule inspections if required.

7. Completion Appointment

Both parties finalise the resale at HDB or online. Keys are handed over, and payments are completed.