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How to buy a HDB
A DIY guide for buying resale HDB
This is a DIY guide for buying HDB yourself, without engaging any agent.
Overview of Process
HDB provided a good and detailed overview (buyer process in blue boxes).
- Obtain HDB Flat Eligibility (HFE)
- Search and arrange for viewings
- Offer and secure OTP
- Request for HDB valuation
- Exercise option
- Submit resale application
- Pre-completion checklist
- HDB completion appointment
HDB Flat Eligibility (HFE)
To beginning the process, apply for HFE. It takes 1 month, and it expires in 9 months.
The HFE letter will clearly determine your housing grant and if you’re applicable for HDB loan.
Housing Grant
There are grants (aka free money) that the government provides. The lower your salary, the higher the grants.
Read this on why you should or should not take the grant.
Search for units
Search on listing platforms such as propertyguru and 99.co and contact the seller for viewing.
Negotiate, and once agreed the seller can issue you the OTP.
You can refer to the seller process too.