Sell your HDB, condo or landed home
with a plan.
Not a guess.

We start from the likely selling price.

Then we take away your outstanding home loan, the CPF you used plus accrued interest (this goes back to your CPF account), and your selling costs. What is left is the cash you keep, and we plan your next move around it.

Start with recent sale prices of similar homes near you.

For HDB flats, HDB publishes recent resale prices, and each listing on its Resale Flat Listing service shows what nearby flats sold for. These are a guide, not a valuation. The official HDB valuation only happens after you grant an Option to Purchase and the buyer submits a Request for Value. For a closer figure on any home, HDB or private, I look at recent sales nearby, your floor, facing and condition, and what is on the market now.

Prices are steady and buyers are active.

HDB's flash estimate for the third quarter of 2026 shows resale prices down 0.2%, after a 0.3% drop in the second quarter. Resale deals rose 17.7% in the third quarter, to 7,528 flats (HDB flash estimate, 1 Oct 2026). When prices are steady, the right asking price matters more than waiting for the market.

It depends on your cash, your loan and where your family will stay in between.

I work out both sides first, then we choose the order and timing that fit your plan.

Commission is negotiable, and there is no fixed or standard rate.

It is agreed in writing in your estate agency agreement, and you pay it to the agency, not to the agent. 9% GST applies.

Yes, but plan the order and your cash flow first.

If you buy a second home before you sell, you may need to pay Additional Buyer's Stamp Duty (ABSD). A married couple buying together, with at least one Singapore Citizen, may get this ABSD back if they sell their first home within the time allowed and meet the other IRAS conditions. Please check the latest rules on the IRAS website before you commit. If your next home is an HDB resale flat, you will also need a valid HDB Flat Eligibility (HFE) letter before you can get an Option to Purchase.

Yes, and there is no longer a 15-month wait.

Since 28 July 2026, private property owners of any age can buy a non-subsidised HDB resale flat without the 15-month wait-out. Other HDB rules still apply, so check your eligibility first. If at least one owner is a Singapore Citizen aged 55 or above and you move to a 3-room flat or smaller, you may qualify for the Silver Housing Bonus of up to $40,000 per household. Part of your sale proceeds then goes into your CPF Retirement Account, up to $60,000 per household. See HDB's website for the full conditions.

Yes. You do not need to fly back for every step.

I handle the viewings and offers here, and share buyer feedback with you after every viewing. For the paperwork, many owners appoint someone they trust under a power of attorney, and your lawyer will confirm what your sale needs.

Yes. You can sell an HDB flat on your own.

CEA sets out the steps: register your Intent to Sell, market the flat yourself or on HDB's Resale Flat Listing service, grant the Option to Purchase, submit the resale application, endorse the documents and pay the fees, then attend completion about eight weeks after HDB accepts the application. CEA also suggests engaging an agent if you are not familiar with the process. Either way, you are welcome to ask me for a free valuation first.

Yes. The CPF you used for your home, plus accrued interest, goes back to your own CPF Ordinary Account.

Your loan is paid off first, then your CPF, and the balance is paid to you in cash.

Under CPF rules, you do not need to top up in cash if you sold your home at market value and the price was not enough to refund your CPF in full.

Singapore does not have a capital gains tax.

But IRAS can tax a gain as income if the sale looks like property trading. It looks at all the facts together: why you bought the property, how long you held it, how often you buy and sell, any work done to make it more attractive to buyers, and how you paid for it. If you buy and sell property often, speak to a tax adviser before you sell. Seller's Stamp Duty is a separate tax, covered in the next question.

HDB flats: no.

Condos and landed homes bought on or after 4 Jul 2025: yes, if you sell within 4 years, at 16%, 12%, 8% or 4%. Homes bought from 11 Mar 2017 to 3 Jul 2025 follow the older 3 year rule. SSD is due within 14 days of the contract.

Yes. You pay the whole year’s property tax for the year you sell, and it is split with the buyer at completion.

The option fee is $1 to $1,000.

The option fee and the exercise fee together cannot be more than $5,000. The buyer has 21 calendar days to exercise the option.

HDB accepts the resale application within 28 working days, and completion is about 8 weeks after acceptance.

From the option to the keys is roughly 3 to 4 months.

The buyer usually pays the difference in cash.

The HDB valuation is the basis for the buyer's CPF use and housing loan. CPF rules say buyers with a bank loan must pay any part of the price above the market value in cash. This gap is often called cash over valuation (COV). The result usually comes within 10 working days of the buyer's request, so they normally know it before the option ends. If the gap is more than they planned for, they may choose not to exercise the option. This is why I set your price with recent sales in mind from the start.

The buyer loses the option fee, and you keep it.

For an HDB flat, the option period is 21 calendar days and ends at 4pm on the 21st day. If the buyer lets it lapse, HDB rules say the buyer forfeits the option fee. You can grant a new option to another buyer only after the option has expired.

Get the flat ready to hand over, and settle the bills tied to it.

HDB asks sellers to fix any unauthorised renovation, complete the BCA windows declaration form, stop all GIRO payments for the flat, pay service and conservancy charges up to completion day and property tax up to the end of the year, then move out so the buyer can inspect the flat before completion. On the day, bring the IC of every seller, the original Option to Purchase, the windows form, proof of those payments and every key to the flat.

Yes, for up to 3 months after completion, if the buyer agrees and you have already committed to buying a completed home in Singapore.

Make it bright, tidy and easy to picture living in.

Clear the clutter and personal items, fix small things like leaking taps or blown bulbs, open the curtains and windows, and keep the home cool and fresh. First impressions count, in the listing photos and in person. If you are not sure what is worth fixing, ask me before you spend money.

Yes. I schedule and attend every viewing, and share the buyer feedback with you after each one.

Ask a few questions before you sign.

Check that the agent is listed on the CEA Public Register. Then ask which homes they sold recently, how they will market yours, how often they will update you, and how many homes they are selling now. My CEA registration number is R057094C.

The most common one is asking too high a price.

A home priced too high can stay on the market for weeks and may need a price cut later. Other common mistakes are granting the Option to Purchase before you know where you will live next, agreeing on a price before you know your CPF refund, and forgetting Seller's Stamp Duty if you sell a private home within a few years of buying it.

The terms are agreed in writing.

The agreement sets out the commission, which is negotiable, and how long the agreement runs.