Cost Guides Buyers and Sellers

The Real Cost of Selling and Buying an HDB

Are You Selling Your HDB?

Here’s an overview of the various costs related to selling an HDB

Resales Application Administrative Fees

Payable during submission of resale application, $80 for 3-room and bigger, $40 for 1 and 2-room.

Legal Fees

Payable during submission of resale application, $80 for 3-room and bigger, $40 for 1 and 2-room.

Property Tax

Must be fully paid until the end of the year the flat is sold

Service & Conservancy charges

Paid up to date of completion (HDB Completion Apppintment)

Upgrading Levy (if any)

10% of selling price or 90% of market valuation of the flat, whichever is higher

Upgrading Costs (if any)

Paid by seller if invoice date is before the HDB completion appointment

Resale Levy (if any)

Amount payable depends if seller’s 1st subsidised flat was sold on/ after 3 March 2006 Ranges from $7500 to $50000


Are You Buying an HDB?

Here’s an overview of the various costs related to selling an HDB

Option Fee and Deposit (Maximum $5000)

Cash payment $1 to $5000

Legal Fees

Payable only when purchase price is higher than the market valuation of the resale flat

Initial Payment

10% of purchase price if taking HDB Loan; 20% or 40% of purchase price for bank loan depending on loan ceiling

Resale Application Administrative Fee

Payable during submission of resale application, $80 for 3-room and bigger, $40 for 1 and 2-room flat

Valuation Fee

Payable by the buyer $199.25 for 3-room and bigger/ $140.40 for 1 and 2-room flat

Stamp Duty

For Option to Purchase, calculated based on purchase price or market valuation; whichever is higher:

1% for 1st $180,000, 2% for 2nd $180,000, 3% for remaining amount.

For mortage, calculated based on 0.40% of loan amount, subject to a maximum of $500

Agent/ Salesperson Commission (optional)

Payable upon completion of the transaction. Market rates average 1% of transacted price. The preferred option to DIY through Ohmyhome app allows you take control of the selling process and save on this cost.

Fire and Mortgage Insurance

(Only if taking HDB housing loan and using CPF to pay the housing loan)

Cash payment for fire insurance of $1.80 to $8.77 based on flat type Annual mortgage premium will be deducted from buyer’s CPF Ordinary Account

Administrative Fee for Temporary Extension of Stay

(If the buyer grants seller’s request to extend stay in resale flat temporarily) Cash payment of $20 by the buyer

Cash Payment for Balance Purchase Price (if any)

Payable only when purchase price is higher than the market valuation of the resale flat


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