Whether you’re selling your current HDB flat or buying your next home, staying on top of your cash flow is key. From option fees to stamp duties, knowing exactly what to pay and when can help you avoid surprises — and even maximise your returns. Here’s your 2025 step-by-step guide to the HDB resale payment timeline, updated with the latest fees, policy changes, and cost-saving tips. We’ve also included pro tips from Ohmyhome’s Super Agents and digital tools to make your journey smoother.
Table of Contents
HDB resale seller’s payment timeline
| Timeline | Journey | Payment |
|---|---|---|
| Register Intent to Sell | ||
| Post listing on Ohmyhome and start marketing | ||
| Start home viewings & conduct negotiations | ||
| Grant OTP* to Buyer *OTP needs to be exercised within 21 days | Incoming: $1-1,000 (Option Fee) | |
| Within 21 days | Buyer exercise OTP | Incoming: $1-4,000 (Exercise Fee) |
| Within agreed number of days between seller and buyer | Submit Resale Application | Outgoing: $40-80* (Resale Application Fee) *1- and 2-room: $40 3-room and bigger: $80 |
| Approx. 4 weeks later | Receive Acceptance of resale application from HDB & Endorse HDB documents | Outgoing: – $300-$500 (HDB Legal conveyancing fees) – Refund of Deposit to CPF (in the case of negative CPF sale) |
| In 8 weeks | HDB Resale Completion Appointment | Incoming: – Cash Proceeds – CPF Refund (within 2 weeks from Completion date) Outgoing: – Outstanding Property Tax (if any) – Town Council Service and Conservancy Fee (balance payment up to Completion date) – Mortgage Discharge fee (where applicable) – From $1,800 (Conveyancing Fee with Ohmyhome Legal Conveyancing Services) – 1% of the sale price (Ohmyhome Agent Fee) – Refund of $20 HDB admin fee to Buyer if there is a request for Extension of Stay |
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
HDB resale buyer’s payment timeline
| Timeline | Journey | Payment |
|---|---|---|
| Register Intent to Sell | ||
| Within agreed number of days between the seller and buyer | ||
| Start home viewings & conduct negotiations | ||
| Receive OTP* from Seller *OTP needs to be exercised within 21 days | Outgoing: $1-1,000 (Option Fee) | |
| Request for Valuation of flat & Have valid HLE letter or Accept Letter of Offer from the bank | Outgoing: $120 (Request for Valuation Fee) | |
| Within 21 days | Exercise OTP | Outgoing: $1-4,000 (Exercise Fee) |
| Within agreed number of days between seller and buyer | Submit Resale Application | Outgoing: $40-80* (Resale Application Fee) *1- and 2-room: $40 3-room and bigger: $80 |
| Approx 4 weeks later | Receive Acceptance of resale application from HDBEndorse HDB documents | Outgoing: – Downpayment via CPF^ – $800-$1,000 (HDB Legal Conveyancing Fee, if applicable) – From $1,800 (Conveyancing Fee with Ohmyhome Legal Conveyancing Services, if applicable) – Stamp fees (where applicable) – $20 (HDB Admin Fee, in case Extension of Stay is granted to Seller) |
| Within 14 days of endorsing documents | Receive Approval of HDB Resale Application | Outgoing: – Buyer’s Stamp Duty – Cash Balance of Purchase Price (to cover any part of the purchase not covered by the home loan or CPF) |
| 8 Weeks upon receiving Acceptance notice | HDB Resale Completion Appointment | Outgoing: – ^Balance of Purchase Price to be paid by Cash (for amount not covered by the home loan or CPF) – Cash over Valuation (if any) – Apportioned Property Tax to be paid to Seller (pro-rated based on the portion of the year for which you own the property) – 1% of the sale price (Ohmyhome Agent Fee) Incoming: – $20 HDB admin fee for Extension of Stay (Seller to refund to Buyer) |
Get to know everything you need about your HDB resale flat
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FAQs about HDB resale payment timeline
How long does HDB resale timeline take?
The HDB resale payment timeline typically takes about 8 to 12 weeks from the submission of the resale application to the completion of the transaction.
What factors could cause delays in the resale process?
Delays in the resale process can be caused by incomplete documentation, disputes over valuation, loan approval issues, and scheduling conflicts for the inspection and final appointments.
Is it possible to fast-track the resale timeline?
Fast-tracking the resale timeline is generally not possible due to the standard procedures and checks HDB requires to ensure compliance and accuracy.
How long does it take for HDB to approve a resale application?
HDB usually takes around 2 weeks to approve a resale application after all required documents have been submitted.
What is the waiting period for resale HDB?
The resale HDB payment schedule follows the transaction timeline and generally unfolds over 8 to 12 weeks, from application submission to completion.
What is the submission period for HDB resale?
The submission period for HDB resale refers to the time taken from submitting the resale application to receiving approval, typically about 2 weeks.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
Ready to sell your home? We’re ready to help.
Schedule a consultation with one of Singapore’s top agents.
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