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What I Need To Know To Rent Out My Whole HDB flat in Singapore?


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Planning to rent out your property for the first time? If you are a Singapore Citizen (SC), you are allowed to rent out your whole HDB flat after fulfilling the Minimum Occupation Period (MOP).

Singapore Permanent Resident (SPR) flat owners are not allowed to do so, but SPR homeowners are eligible to rent out a bedroom in their HDB flat.


What is the Minimum Occupation Period?

The keyword in MOP is “occupation”, this means that you need to physically occupy the property from the date of purchase of the flat if you are the original purchaser. If you have bought a BTO flat in 2016 and started occupying it this 2019, you cannot rent out your whole unit in 2021.

If there was a resale of part-share or transfer of flat ownership, the MOP is computed from the effective date of the resale of part-share/transfer of flat ownership, or the date the owner was included as an authorised occupier of the flat.

How long is the MOP?

The MOP is typically five years. 

Since it’s now 2022, those who have bought their flats before 2017 should be fulfilling their MOP this year. 

If you have fulfilled the five years, Congratulations! You may now start renting out your flat to generate income for your retirement needs.

Ready to list your property and find your tenant?

Source: Freepik

Here are 11 steps in renting out your whole unit without an agent:

  1. Check Your Eligibility
  2. Check the Tenant’s Eligibility
  3. Check Your HDB Flat Occupancy Cap
  4. Find out the Home Rental Price
  5. Take Beautiful Photos of Your Home
  6. List your Property in 3 minutes
  7. Suggest Your Listing to ShoutOut in 3 Steps
  8. Accept an LOI
  9. Apply for HDB Approval
  10. Issue the Tenancy Agreement
  11. Prepare for the Handover

You may also head to the HDB webpage to find out more about the eligibility to rent out your flat. If you are still unsure, our Super Agents will gladly guide you through the process with you. 

Looking for an HDB or private property?

Here’s how you can speed up your home search

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!

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Header Image: Freepik

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