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3 Must-Do Things For HDB Buyers Before Resale Completion Appointment


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The HDB resale completion appointment is one of the most anticipated days for any home buyer as it concludes the resale transaction and brings you closer to handover date when you can officially start making precious memories in your new home. 

But before you reach that stage in your home-buying process, there is an 8-week waiting period. What do you have to do in those two months before the handover? We got you!


1. Inspect the flat

Source: Freepik

Ensure that the flat is vacant and the physical condition is acceptable before you take possession of the resale flat.

You need to ensure that the sellers remove any unauthorised renovation works found in the resale flat before completing the resale transaction.

As the buyer purchasing the flat on a caveat emptor basis, this means that it is your responsibility to check the condition of the resale flat and verify that all renovation works carried out by the sellers are authorised and comply with the requirements imposed by HDB or other competent authorities.

You will also be responsible for any irregularity, such as any unauthorised renovation works carried out by the sellers in the resale flat that is discovered later. Thus, you are advised to engage a Qualified Person (e.g. Building Surveyor), at your own expense, to help in the checking.

2. Secure a copy of your resale completion appointment letter

Source: Freepik

HDB may grant approval for the resale application after:

  • Verifying the information provided by the sellers and you
  • Their endorsement of the required documents,
  • The receipt of the necessary payments; and
  • The performance of any other requirement by the seller and buyer as may be specified by HDB.

The approval letter of the resale transaction will be posted in the HDB Resale Portal, then you and the sellers will be notified via SMS/email. You need to secure this letter because it is required for your next task.

3. Buy fire insurance and home contents insurance

Source: Freepik

If you are taking an HDB housing loan, it is mandatory to buy Fire Insurance from HDB’s appointed insurer, ETIQA (at HDB Hub, Atrium 1st Storey, Counter 1), with the Resale Completion Appointment letter. You can purchase the fire insurance online at ETIQA’s website or at HDB Hub, Atrium 1st Storey, Counter 1, with the Resale Completion Appointment letter on the day of the Completion Appointment.

You need to remember that you must produce a valid Certificate of Insurance during the Completion Appointment.

But getting HDB’s fire insurance will only get you so far. To protect your precious valuables inside your home in case of a fire, you should also get home contents insurance. It is a plan that protects you against the loss of the important things you have inside your home. For example, Aviva’s home contents insurance covers the following:

  1. Air conditioning unit
  2. Audio-visual equipment
  3. Built-in wardrobe
  4. Clothes
  5. Jewellery
  6. Domestic appliances
  7. PC and laptop
  8. Camera

We explain the differences between HDB’s standard fire insurance and home contents insurance in this article.

Having your dream home is definitely worth the wait! Make every waiting day count to ensure that your completion appointment will be perfect.

Unsure of how to get started on your home buying process? Download the Ohmyhome app, tap ‘Journey’ and get a step-by-step guide in buying your property without an agent.

Let Ohmyhome’s smart data-matching technology MATCH you with the right home, according to your specific needs. Submit your preferences to us and our algorithm will filter all our available listings based on those, and we’ll WhatsApp them to you once we find a match. We’ll also send you relevant content that you can use for your research and inform your home buying decision, so you no longer have to spend hours searching online for the information that you need. Because at Ohmyhome, we’re always by your side, always on your side.

You can also call us at 6886 9009 to secure an appointment with any of our Super Agents or message us in the chatbox at the bottom, right-hand corner of the screen. You can also WhatsApp us at 9755 1009!

Frequently Asked Questions

1. What documents are required during flat application?

You do not have to submit documents to HDB when you apply for a flat. The board will inform you of the documents that need to be submitted after you have successfully balloted to select a flat.

2. When do I need to apply for an HDB loan eligibility (HLE) letter?

You may wish to apply for an HLE letter after you have submitted your flat application to help you in planning your housing budget. The HLE letter will be valid for 6 months.

3. Do I have to pay the resale levy?

If you had previously enjoyed any housing subsidy, you will have to pay a resale levy to purchase a flat from HDB.

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