get an agent

Buy with an Agent

Dedicated experts at your service

Documentation Services

Leave the paperwork to us

do it yourself

Browse New Launch Condos

Find new units for sale

Browse Resale Listings

Connect with sellers through our app

RESOURCES

Calculate Buyer’s Stamp Duty

Find the amount payable when buying

Affordability Calculator

Find the amount payable when buying

How to Buy an HDB

A step-by-step guide to buying HDB

How to Buy a Private Property

A step-by-step guide to buying condo/landed

get an agent

Sell with an Agent

Dedicated experts at your service

Documentation Services

Leave the paperwork to us

do it yourself

Post a Listing for Free

Connect with buyers through our app

RESOURCES

Calculate Seller’s Stamp Duty

Find the amount payable when selling

How to Sell my HDB

A step-by-step guide to selling HDB

How to Sell my Private Property

A step-by-step guide to selling condo/landed

HOME E-VALUATION

For tenants

Rent with an Agent

Dedicated experts at your service

RESOURCES

How to Rent an HDB

A step-by-step guide to renting HDB

How to Rent a Private Property

A step-by-step guide to selling condo/landed

For landlords

Lease with an Agent

Dedicated experts at your service

Lease Documentation

Leave the paperwork to us

RESOURCES

How to Lease an HDB

A step-by-step guide to renting HDB

How to Lease a Private Property

A step-by-step guide to selling condo/landed

Do it yourself

ARTICLE CATEGORIES

HDB

All things about public housing

Private Property

All things about private property

Home Improvement

Guides for must-know reno tips

Financing

All about mortgage solutions

Towns

Singapore townships in focus

Client Stories

Success stories from customers

Founders’ Message

From the desks of Rhonda & Race Wong

Sell your HDB from $481/mth!

For a limited time, you can pay agent fees across 6 months for 0% interest.
Share on facebook
Share on twitter
Share on email
Share on whatsapp

An HDB Seller’s Ultimate Guide To Seller’s Stamp Duty And Other Payable Fees

Ohmyhome

Ohmyhome

Share on facebook
Share on email
Share on whatsapp

Every HDB seller has a financial obligation when selling or changing the ownership status of their flat due to a change in family circumstances, such as divorce or marriage.  

Let us bring you through the costs and fees you, the seller, may be liable to pay during your resale transaction journey. They include:

  • Resale application administrative fees
  • Legal fees
  • Property tax
  • Service and conservancy charges
  • Seller’s stamp duty

Resale application administrative fees

When submitting a resale application, buyers and sellers will each have to pay an administrative fee of $40 for 1-room and 2-room flats, and $80 for 3-room flats (or bigger). The fees include Goods and Services Tax and, once paid, are non-refundable.

Legal fees

Legal fees are incurred when selling an HDB flat because it involves the legal transfer of homeownership from you, the seller, to a buyer. This process is called conveyancing, which starts from the date the offer was accepted and ends on the date of key collection. 

You may engage HDB’s legal services when selling your flat if your current outstanding loan is with HDB or you have no outstanding loan. The legal fees will be based on their Conveyancing Fees Rules 2002.

For resale transactions or transfer of flat ownership, there is a minimum fee of $20. Here’s a more detailed breakdown:

Type of transactions for HDB flatsHDB’s scale of fees (computed to the next $)
Resale, transfer or assignment of flat by the ownerFirst $30,000 @ 13.5 c. per $100 or part thereof
Next $30,000 @ 10.8 c. per $100 or part thereof
Thereafter @ 9.0 c. per $100 or part thereof
There shall be a minimum fee of $20

You may also engage a legal conveyancer through Ohmyhome, with fees starting from $1,800 nett. Services will include the following:

  • Conveyancing for Sale & Purchase
  • Mortgage & Real Estate Planning
  • Retail & Corporate Real Estate
  • Power of Attorney/Lasting Power of Attorney
  • Letters of Administration
  • Letter of Probate
  • Notary Public
  • Wills

Property tax

HDB sellers will also need to pay the flat’s property tax up to the end of the year. The official tax payment receipt needs to be produced during the HDB completion appointment.

You can log in to the Inland Revenue Authority of Singapore’s myTax portal to check how much you need to pay in property tax.

Service & conservancy charges (S&CC)

Depending on your flat type, the service and conservancy charges (S&CC) of HDB flats typically range from $20 and $90 for Singapore citizens, factoring in the reduced rates offered to them. 

For non-citizens, the charges may range from a normal rate of between $50 and $90. If you own a private property and/or have left your HDB flat vacant, you may also be liable to pay the normal S&CC rate. 

You may check with your town council on the S&CC rates for your flat. 

As an example, here’s the S&CC for Bukit Panjang, payable to the Holland-Bukit Panjang Town Council. 

Flat TypeNormal RateReduced Rate
1-room$54.20$20.50
2-room$56.70$30.50
3-room$63.00$46.00
3-room Design-Build-and-Sell Scheme$79.50$62.50
4-room$72.50$63.50
4-room Design-Build-and-Sell Scheme$88.00$79.00
5-room$86.50$79.50
5-room Design-Build-and-Sell Scheme$99.50
Executive$101.00

The S&CC are due on the first day of each month without demand. An accumulative penalty fee, typically ranging from $0.50 for a 1-room flat and $7 for an executive flat, will apply from the following month until the payment has been made in full.

Seller’s stamp duty (SSD)

HDB flat owners are required to meet the 5-year Minimum Occupation Period(MOP) before they can sell the flat. 

However, in cases where special approval has been granted by the HDB to sell the flat before the MOP, Seller’s stamp duty(SSD) may apply.

You are liable to pay the SSD if you sell your HDB flat within 3 years. This is called the holding period and starts from the date of HDB flat’s key collection or acquisition, and ends when the Option to Purchase is issued to sell the flat. 

What are the SSD rates in 2021?

There are three factors that affect the total SSD payable:

  • Date of purchase
  • Holding period
  • SSD percentage as per the holding period

For HDB flats purchased on and after 11 Mar 2017:

Holding PeriodSSD
A year or less12%
More than 1 year and up to 2 years8%
More than 2 years and up to 3 years4%
More than 3 years0%

The total SSD payable is calculated by applying the applicable rate on the selling price of your flat or the current market value, whichever is higher. 

In summary, the shorter the holding period, the higher the SSD that you need to pay.

Are these seller’s fees making your head spin? Would you rather leave it to your property agent to handle? We’ve got you covered. Sell your property with Ohmyhome Super Agents today! 

Call us at 6886 9009 to secure an appointment today or message us on Intercom, which can be found at the bottom, right-hand corner of the screen. You can also WhatsApp us at 9727 5270


Frequently asked questions about Seller’s Stamp Duty

Do sellers have to pay stamp duty?

Sellers may be liable to pay the Seller’s Stamp Duty if they sell their property within 3 years. This is called the holding period and starts from the date of purchase or acquisition and ends on the date of sale or disposal.

Is there seller’s stamp duty for HDB?

Yes, the Seller’s Stamp Duty applies to HDB sellers who sell or dispose of their flat within 3 years of purchasing or acquiring it. 

What is the stamp duty rate in Singapore?

For HDB flats purchased on and after 11 Mar 2017, the SSD rates are 12% for a holding period of a year or less; 8% for more than 1 year and up to 2 years; and 4% for more than 2 years and up to 3 years.

Subscribe Now

Get a notification every time we upload a new blog post.

Sell your HDB from $481/mth!

For a limited time, you can pay agent fees across 6 months for 0% interest.

Featured Blogs

Your one-stop guide for must-know HDB tips

get an agent

Buy with an Agent

Dedicated experts at your service

Documentation Services

Leave the paperwork to us

Do it yourself

Browse New Launch Condos

Find new units for sale

Browse Resale Properties

Download the app and speak directly to sellers

RESOURCES

Affordability Calculator

Calculate required tax for selling

Calculate Buyer’s Stamp Duty

Find the amount payable when buying

How to Buy an HDB

A step-by-step guide to buying HDB

How to Buy a Private Property

A step-by-step guide to buying condo/landed

bUY OVERSEAS

get an agent

Sell with an Agent

Dedicated experts at your service

Documentation Services

Leave the paperwork to us

do it yourself

Post a Listing for Free

Download the app and connect with buyers

RESOURCES

Free Home E-Valuation

Know the value of your property in seconds!

Calculate Seller’s Stamp Duty

Find the amount payable when selling

How to Sell an HDB

A step-by-step guide to selling HDB

How to Sell my Private Property

A step-by-step guide to selling condo/landed

get an agent

Rent with an Agent

Dedicated experts at your service

do it yourself

Browse Rental Listings

Download the app and connect with landlords

RESOURCES

How to Rent an HDB

A step-by-step guide to renting HDB

How to Rent a Private Property

A step-by-step guide to renting condo/landed

get an agent

Lease with an Agent

Dedicated experts at your service

Lease Documentation

Leave the paperwork to us

do it yourself

Post a Listing for Free

Download the app and connect with tenants

RESOURCES

How to Lease my HDB

A step-by-step guide to renting out an HDB

How to Lease my Private Property

A step-by-step guide to renting out condo/landed

FEATURED ARTICLES

Ohmyhome Raises US$5M in Series A+ Funding

Ohmyhome, the leading Property 
One-Stop Shop Platform

ARTICLE CATEGORIES

HDB

All things about public housing

Private Property

All things about private property

Home Improvement

Guides for must-know reno tips

Financing

All about mortgage solutions

Towns

Singapore townships in focus

Client Stories

Success stories from customers

Founders’ Message

From the desks of Rhonda & Race Wong

Social media

Other