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

Prefer to do-it-yourself?

Check out how our platform can help

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

Prefer to do-it-yourself?

Check out how our platform can help

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

Prefer to do-it-yourself?

Check out how our platform can help

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

Agent fees from as low as $381/mo!

Split your agent fees into 6 payments for o% interest with Ohmyhome.
Share on facebook
Share on twitter
Share on email
Share on whatsapp

What Resale HDB Buyers Can Expect from Ohmyhome Super Agents

Maelyn Lagman

Maelyn Lagman

Share on facebook
Share on email
Share on whatsapp

There’s no doubt you can find a resale HDB flat on your own, but a good property agent can help you make sound decisions and guide you through the home buying process. 

He or she can also get you access to homes before they even hit the market, with their network of referrals and co-brokers. 

Ohmyhome CEO Rhonda Wong shared that she and co-founder, Race Wong, have set high standards when choosing who represents the company on the ground, recruiting only those with a passion for transforming the real estate industry, technical property,oh shi and industry knowledge, and good character. 

“We value our business, our clients, and our relationships, and so seek to hire only the best people,” she said in this Founder’s Message

When you engage an Ohmyhome property agent, they will take care of everything for you. And they’re a valuable source of industry and insider advice.

1. Getting to know each other

Upon engaging Ohmyhome, you will be appointed a dedicated agent — with experience in buying resale flats in your desired location. 

He or she will then set up a meeting with you at the date and time of your convenience, where they will:

  • Get to know more about you
  • Learn where you want to live next
  • Why you need to buy a new home
  • Find out your future property goals 
  • Understand your current financial situation 
  • Figure out the best timeline for moving

They will also introduce the history of Ohmyhome and our services, such as moving, renovation, mortgage, and more. 

2. Organising your finances 

Before jumping into online listings and home viewings, Ohmyhome property agents will assist you in financial planning. This means calculating your budget based on the following:

  • How much you can get for your HDB or bank loan
  • Your cash and CPF savings 
  • The CPF housing grants you’re eligible for
  • Buyer’s stamp duty

Keep in mind that you will need to pay some HDB fees, including administrative, valuation, and legal fees. So our agents will help you with organising your budget for these.

Split your agent fee payment into 6 installments for 0% interest

Worry less about your Ohmyhome agent fees with our instalment payment plan. This lets you split the agent fee from as low as $381 a month, depending on your budget.

3. Register Intent to Buy

Now that the planning has been done, Ohmyhome agents will assist you with registering the ‘Intent to Buy’ on the HDB Resale Portal. This gives you an initial assessment of your eligibility to buy a resale flat and apply for an HDB loan, as well as the CPF housing grants that you will be eligible for.  

It will be valid for one year and must be done before the sellers grant you the Option to Purchase (OTP)

4. Sourcing of a resale HDB flat & arranging viewings

What’s your dream home and where is it located? Now that it’s time to go house hunting, remember to communicate all your needs to our agents. They will search for the best possible listings based on your requirements, such as the number of bedrooms, the facing of the unit, location, and price. 

5. Negotiate price and exercise OTP 

Once you’ve shortlisted a unit, they will assist you with market research to advise you on the best price to offer. 

If the seller accepts your offer, you will be granted an OTP by the seller — a contract that binds him or her from selling the resale flat to others. It will be valid for the next 21 days; you must exercise the OTP within that time if you decide to proceed with the purchase.

At this stage, you will need to pay an option fee between $1 and $1,000 to the seller, which is non-refundable. 

However, if you do not wish to proceed with the purchase and do not exercise the Option within 21 days, the seller will be free to offer the flat to another buyer after the OTP expires. 

6. Apply for HDB valuation report 

Ohmyhome agents will then assist you to apply for a valuation report from HDB. This is to determine the value of your unit and is necessary for processing your housing loan.

7. Exercise Option to Purchase

Once you have obtained the valuation report and your housing loan is in place, you will need to exercise the OTP if you have decided to proceed with the purchase.

At this stage, you will need to pay an exercise fee to the seller. The exercise fee is between $1 to an amount not exceeding $5,000, including the option fee amount. The option fee and the exercise fee — together — form the deposit for the purchase. 

8. Submit resale application to HDB 

Now that the OTP has been exercised, the next step is to submit the resale application to HDB. Your Ohmyhome agent will assist to do this for you. You will need to provide the necessary documents for the submission as advised by your agent. 

9. Final inspection of flat (Before Completion Date)

The completion date is coming and you will be collecting the keys to your new dream home very soon!

Before this happens, our agent will arrange a final inspection of the flat before you attend the completion appointment at HDB. This final inspection is for you to do a final check of the flat to make sure that the sellers have completely vacated the unit with no movable items left behind in the flat unless otherwise stated.

10. Attend HDB completion appointment (Completion Date)

Our agent will also attend your resale completion appointment with you at HDB Hub, located in Toa Payoh Hub — linked to the Toa Payoh MRT station. 

You will now only need to attend one resale appointment, which will take place about 8 weeks from the date that HDB accepted your resale application.

Welcome home!

Once you have your keys on hand, it’s time to make your unit at home.

If you’re ready to buy a resale HDB flat, engage Ohmyhome property agents now at 6886 9009. Or message us on Intercom, which can be found at the bottom, right-hand corner of the screen. You can also WhatsApp us at +65 9727 5270. 


Redeem FREE home contents insurance

You can also get a free home contents insurance with Aviva, with up to $130,000 coverage for one year. This is exclusive to Ohmyhome clients.

Aviva’s home contents insurance plan will get you:

  • Up to $20,000 on household contents (air conditioning unit, audio-visual equipment, built-in wardrobe, clothes, jewellery, domestic appliances, PC and laptop and camera)
  • Up to $50,000 on renovations, fixtures and fittings
  • Up to $50,000 on personal legal liability
  • Up to $10,000 on alternative accommodation expenses

This is different from HDB’s fire insurance scheme, which only covers the structure, fixtures and fittings that comprise part of the building. Read more about home contents insurance here.

Subscribe Now

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

Agent fees from as low as $381/mo!

Split your agent fees into 6 payments for o% interest with Ohmyhome.

Featured Blogs

Highlighting unique property views for every Singaporean

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

Prefer to do-it-yourself?

Check out how our platform can help

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

Prefer to do-it-yourself?

Check out how our platform can help

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

Prefer to do-it-yourself?

Check out how our platform can help

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

Prefer to do-it-yourself?

Check out how our platform can help

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