HDB resale

Housing & Development Board (HDB) resale refer to rent-to-own HDB flats. Buying an HDB resale flat means transferring ownership from a previous owner.
See below for HDB resale price articles or click here for HDB resale price FAQs.

Million-dollar resale flat transactions rise 11% MoM in April

The priciest HDB resale was a 5-room in Lorong 1A Toa Payoh.

Million-dollar resale flat transactions rise 11% MoM in April

The priciest HDB resale was a 5-room in Lorong 1A Toa Payoh.

Homebuyers turn to resale market amid fewer BTO launches

Resale prices in April were up 0.9% MoM and 6% YoY. 

Sluggish demand drags HDB resale prices in 12 towns 

Resale price growth seen moderating to 3% to 5% this year.

Cooling HDB resale market calls for review of wait-out period policy, says PropNex

It also urged realignment of ABSD remission treatment for HDB upgraders.

HDB resale price growth to slow as public housing classification rehaul kicks off

Prices to slow to 5% this year following the 10.4% spike in 2022.

Over 12,000 HDB flats up for grabs in Q4

HDB said it is on track to launch 23,000 flats in 2023.

HDB resale prices rise 7.2% YoY in August

Month-on-month, prices rose by 0.6%.

‘Prime’ time for change: Why the HDB reclassification is long overdue

The long MOP likely won’t deter demand for Plus and Prime units, analysts said.

What can moderate the prices of HDB resale flats?

In 2Q23, 21 of the 26 HDB towns saw price gains.

Asking prices of rental properties drop since 2018: report

Property Guru said the rental index fell 2.9% QoQ in Q3 2023.

HDB resale prices continues 13th quarter climb in Q2

1-room flats are now costing almost $250k.

HDB resale FAQ

Can I use all my CPF to buy resale HDB?

Yes, you can use all the CPF to buy resale HDB, and no at the same time. For older flats, the younger borrower may not be able to use the whole CPF amount. There will be limitations on the CPF usage if it is an older flat.

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For some, resale HDB is very much a good investment because of the lack of supply. There are also experts who say that a resale HDB flat is for owner occupation and should not be viewed as an investment.

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It will return to HDB after 99 years.

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The maximum deposit to pay upfront for resale HDB is $5000. Anything that is beyond the valuation has to be paid in cash. About 85% is loan covered and about 15% needs to be paid upfront.

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The valuation is a very integral part to calculate the cost of a resale flat. The valuation depends on the HDB assigned valuer.

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The CPF needed for resale depends on the price of the house. Given he can take a loan of about 85% based on his income capacity, he needs to standby 15% of the valuation.

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Yes, you can reserve all or part of your OA savings before you turn 55 to buy a house after 55.

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The matter of which is better between BTO and resale depends whether you need a home urgently or you can afford to wait. There are grants available to help buyers buy a resale flat. Depending on the amount of grants, this can potentially make the price of a resale flat similar to a BTO flat and make a resale flat more appealing.

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A BTO, given generous subsidies by the Government which can range from 15% to 35%, is much cheaper vs resale. It also depends on the district location. BTO can be cheaper by 100,000 to 200,000 vs resale.

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There is no limit set to how many times one can buy resale HDB. That means you can buy resale HDB as many times as possible but the waiting time right now is five years.

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Yes, resale flats can be rented out after five years of physical occupation and ownership, which is the minimum occupation period (MOP).

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You are encouraged to sell your HDB flat back to the resale market. You can sell HDB flat back to HDB in certain scenarios: financial reasons, if the owner is no longer a Singapore citizen, etc. HDB will take it at a lesser price.

See more information in this article.