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2
Determine Eligibility
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Ethnic Integration Policy (EIP)
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Singapore Permanent Resident (SPR) quota
3
Mode of Financing
Cash / CPF / Housing Loan
4
Apply for a Home Loan Eligibility (HLE)
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If taking HDB Loan
5
Get OTP from Seller
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OTP is valid for 21 days from the day the seller grants the OTP
6
Exercise OTP
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Pay option exercise fee before signing on the OTP form
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Agent will pass the fees and OTP to seller on your behalf
7
Submit Resale Application in HDB Portal
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Within 7 days after first submission by either party
8
Endorse Resale Documents
- Notification via SMS to endorse the documents on the portal within 6 days
9
Pay Resale Fees Online
- Legal & Stamp Fees using HDB portal
10
Approval from HDB (For Sale to Proceed)
- Notification via SMS once approved (letter will be available on the portal)
11
Attend Completion Appointment
- Buyer & Seller to attend Resale Completion Appointment at HDB Hub (finalize transaction)
- Takes about 8 weeks, from acceptance to completion of the resale application


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