🏡💰 Selling your HDB for $700K doesn't mean you'll receive $700K.
Many homeowners focus on the selling price but overlook the costs and deductions that determine their actual net proceeds.
Before the sale is completed, you may need to account for:
🏦 Outstanding housing loan
💵 CPF refund, including accrued interest
⚖️ Legal and conveyancing costs
🏢 Resale application and administrative fees
💼 Property agent commission, if you engage a salesperson
🏛 Outstanding property tax, service & conservancy charges and other amounts due
HDB specifically advises sellers to calculate their estimated net proceeds before putting the flat on the market, because these deductions can materially affect the amount available for your next property purchase.
Agent commission isn't a fixed government fee. It is a private agreement between you and your salesperson, so the commission, representation period, exclusivity and advertising costs should be clearly agreed upfront.
The important number isn't your headline selling price.
It's:
Selling Price → Less Loan → Less CPF Refund → Less Selling Costs → Actual Net Proceeds
🔗 https://propertynet.sg/real-cost-selling-hdb-2026-agent-fees-legal-hidden-deductions/
📌 Before you decide how much your HDB is worth, find out how much you'll actually walk away with. That number is what determines what you can afford next.
Many homeowners focus on the selling price but overlook the costs and deductions that determine their actual net proceeds.
Before the sale is completed, you may need to account for:
🏦 Outstanding housing loan
💵 CPF refund, including accrued interest
⚖️ Legal and conveyancing costs
🏢 Resale application and administrative fees
💼 Property agent commission, if you engage a salesperson
🏛 Outstanding property tax, service & conservancy charges and other amounts due
HDB specifically advises sellers to calculate their estimated net proceeds before putting the flat on the market, because these deductions can materially affect the amount available for your next property purchase.
Agent commission isn't a fixed government fee. It is a private agreement between you and your salesperson, so the commission, representation period, exclusivity and advertising costs should be clearly agreed upfront.
The important number isn't your headline selling price.
It's:
Selling Price → Less Loan → Less CPF Refund → Less Selling Costs → Actual Net Proceeds
🔗 https://propertynet.sg/real-cost-selling-hdb-2026-agent-fees-legal-hidden-deductions/
📌 Before you decide how much your HDB is worth, find out how much you'll actually walk away with. That number is what determines what you can afford next.
PropertyNet.SG
The Real Cost of Selling Your HDB in 2026: Agent Fees, Legal Costs and Hidden Deductions | PropertyNet.SG
A full 2026 breakdown of the real cost of selling your HDB flat: agent commission, legal fees, resale levy, CPF refunds and the deductions sellers forget.
🏙📈 Is the gap between prime and city-fringe condos narrowing?
Singapore's condo market is showing a surprising shift in 2026.
In Q2, the Core Central Region (CCR) rose 2.0%, while the Rest of Central Region (RCR) fell 1.4% and the Outside Central Region (OCR) slipped 0.2%. This marks a reversal from the suburban-led growth we've seen in recent years.
Why is this important for buyers?
🏙 CCR is looking relatively better value after years of RCR and OCR outperformance
💰 The price gap between prime and city-fringe homes has narrowed
📈 Prime projects are seeing renewed buyer interest
🚇 Location, connectivity and project quality are becoming more important than simply buying outside the city
But there's an important distinction.
A narrowing price gap doesn't mean every CCR condo is automatically a good buy. Buyers still need to compare entry price, tenure, unit efficiency, rental demand, future supply and exit liquidity.
Recent projects such as River Modern have also shown strong buyer interest, suggesting that some buyers are increasingly willing to pay for prime-location convenience when the pricing looks competitive.
🔗 https://propertynet.sg/ccr-vs-rcr-condo-price-gap-narrowing-2026-prime-outperforms-city-fringe/
📌 The interesting question isn't whether CCR is "better" than RCR. It's whether the premium you're paying today is justified by the location, scarcity and future buyer pool.
Singapore's condo market is showing a surprising shift in 2026.
In Q2, the Core Central Region (CCR) rose 2.0%, while the Rest of Central Region (RCR) fell 1.4% and the Outside Central Region (OCR) slipped 0.2%. This marks a reversal from the suburban-led growth we've seen in recent years.
Why is this important for buyers?
🏙 CCR is looking relatively better value after years of RCR and OCR outperformance
💰 The price gap between prime and city-fringe homes has narrowed
📈 Prime projects are seeing renewed buyer interest
🚇 Location, connectivity and project quality are becoming more important than simply buying outside the city
But there's an important distinction.
A narrowing price gap doesn't mean every CCR condo is automatically a good buy. Buyers still need to compare entry price, tenure, unit efficiency, rental demand, future supply and exit liquidity.
Recent projects such as River Modern have also shown strong buyer interest, suggesting that some buyers are increasingly willing to pay for prime-location convenience when the pricing looks competitive.
🔗 https://propertynet.sg/ccr-vs-rcr-condo-price-gap-narrowing-2026-prime-outperforms-city-fringe/
📌 The interesting question isn't whether CCR is "better" than RCR. It's whether the premium you're paying today is justified by the location, scarcity and future buyer pool.
PropertyNet.SG
CCR vs RCR Condo Prices 2026: Prime Rose 2.0% While City Fringe Fell 1.4% | PropertyNet.SG
URA Q2 2026 data shows prime CCR condos rose 2.0% while RCR city-fringe prices fell 1.4%. Why the price gap is narrowing and what buyers should do.
🌿🏡 A new lakeside address is coming to Jurong.
Lucerne Grand is CDL's upcoming 575-unit new launch at Lakeside Drive, District 22, located beside Lakeside MRT and close to Jurong Lake Gardens. The development will also include commercial space at the ground floor, adding everyday convenience for residents.
Why buyers are taking notice:
🚇 Lakeside MRT at your doorstep on the East-West Line
🌳 Close to Jurong Lake Gardens and the waterfront
🏙️ Located within the Jurong Lake District, Singapore's major western growth area
🛍️ Approximately 1,000 sqm of ground-floor retail, including a supermarket
🏫 Within reach of established schools including Rulang Primary and Shuqun Primary
🏗️ Developed by City Developments Limited (CDL)
📈 99-year leasehold with an expected TOP around 2030
The bigger story is the location.
Jurong Lake District is planned as a major business and lifestyle hub, giving Lucerne Grand exposure to both an established residential environment and a long-term transformation story.
🔗 https://propertynet.sg/new-launch-condos/lucerne-grand/
📌 For a new launch, the real question isn't just whether the project looks good. It's whether the location, entry price, connectivity and future demand make sense together.
Lucerne Grand is CDL's upcoming 575-unit new launch at Lakeside Drive, District 22, located beside Lakeside MRT and close to Jurong Lake Gardens. The development will also include commercial space at the ground floor, adding everyday convenience for residents.
Why buyers are taking notice:
🚇 Lakeside MRT at your doorstep on the East-West Line
🌳 Close to Jurong Lake Gardens and the waterfront
🏙️ Located within the Jurong Lake District, Singapore's major western growth area
🛍️ Approximately 1,000 sqm of ground-floor retail, including a supermarket
🏫 Within reach of established schools including Rulang Primary and Shuqun Primary
🏗️ Developed by City Developments Limited (CDL)
📈 99-year leasehold with an expected TOP around 2030
The bigger story is the location.
Jurong Lake District is planned as a major business and lifestyle hub, giving Lucerne Grand exposure to both an established residential environment and a long-term transformation story.
🔗 https://propertynet.sg/new-launch-condos/lucerne-grand/
📌 For a new launch, the real question isn't just whether the project looks good. It's whether the location, entry price, connectivity and future demand make sense together.
PropertyNet.SG
Lucerne Grand Review: 83/100 on the PropertyNet Insider Benchmark
570 units directly linked to Lakeside MRT, on the lowest-cost GLS land of the cycle at $1,132 psf ppr. CDL's Jurong Lake District play, previewing mid-September 2026.
🏗️🏡 Singapore's en bloc market has crossed the $1 billion mark in 2026. But is the revival really back?
Collective sales surpassed $1 billion within the first four months of 2026, largely driven by the $880 million Loyang Valley deal. That sounds like a major comeback, but the underlying market is more selective than the headline suggests.
What's interesting is where developers are looking:
🔑 Freehold sites remain highly attractive
🏙️ City-fringe and suburban locations are gaining attention
💰 Smaller sites are generally easier for developers to manage
🏗️ The 35% developer ABSD remains a major constraint
📊 Realistic land pricing is still critical to getting deals done
The Loyang Valley transaction is a good example. Despite its large size and ageing leasehold tenure, the site eventually sold for $880 million after multiple attempts.
Meanwhile, freehold developments such as Serenity Park and Balestier Regency are testing whether developers are prepared to pay up for scarce freehold land.
For owners of older condos, the lesson is simple:
En bloc potential is real, but it isn't guaranteed.
The development's tenure, location, plot ratio, redevelopment potential, asking price and developer economics all have to line up.
🔗 https://propertynet.sg/singapore-collective-sale-market-1-billion-four-months-freehold-suburban-2026/
📌 The billion-dollar headline is encouraging. But the real story is that Singapore's en bloc market is becoming increasingly selective, with scarcity and realistic pricing separating the deals that work from those that don't.
Collective sales surpassed $1 billion within the first four months of 2026, largely driven by the $880 million Loyang Valley deal. That sounds like a major comeback, but the underlying market is more selective than the headline suggests.
What's interesting is where developers are looking:
🔑 Freehold sites remain highly attractive
🏙️ City-fringe and suburban locations are gaining attention
💰 Smaller sites are generally easier for developers to manage
🏗️ The 35% developer ABSD remains a major constraint
📊 Realistic land pricing is still critical to getting deals done
The Loyang Valley transaction is a good example. Despite its large size and ageing leasehold tenure, the site eventually sold for $880 million after multiple attempts.
Meanwhile, freehold developments such as Serenity Park and Balestier Regency are testing whether developers are prepared to pay up for scarce freehold land.
For owners of older condos, the lesson is simple:
En bloc potential is real, but it isn't guaranteed.
The development's tenure, location, plot ratio, redevelopment potential, asking price and developer economics all have to line up.
🔗 https://propertynet.sg/singapore-collective-sale-market-1-billion-four-months-freehold-suburban-2026/
📌 The billion-dollar headline is encouraging. But the real story is that Singapore's en bloc market is becoming increasingly selective, with scarcity and realistic pricing separating the deals that work from those that don't.
PropertyNet.SG
Singapore Collective Sale Market 2026: Past $1 Billion in Four Months, Freehold Sites Lead | PropertyNet.SG
Singapore's en bloc market crossed $1 billion within four months of 2026, led by freehold and city-fringe sites as developers hunt land beyond GLS.
🏡📊 Singapore's property market is no longer moving in one direction.
Q2 2026 tells a very different story between HDB and private property.
📉 HDB resale prices: -0.3%
📈 Private residential prices: +0.5%
But the bigger story is what happened inside the private market.
🏡 Landed: +2.6%
🏙️ CCR non-landed: +2.0%
📉 RCR non-landed: -1.4%
📉 OCR non-landed: -0.2%
So while the headline says "private property prices rose", the reality is much more selective. Prime and scarce properties held up, while city-fringe and suburban condos faced greater affordability resistance.
For homeowners and buyers, this changes how you should think about the market:
🏡 HDB upgraders may find the gap to private property more manageable
📊 Condo buyers have more room to compare and negotiate in softer segments
💰 HDB sellers need to be more realistic about pricing
🏙️ Prime properties continue to benefit from scarcity
📈 Resale condos are gaining attention as buyers look for value and certainty
The key takeaway?
Don't ask whether "the property market" is going up or down. Ask which segment you're actually in.
🔗 https://propertynet.sg/singapore-property-prices-q2-2026-hdb-private-cooling-market-split/
📌 In a two-speed market, blanket strategies don't work. The right move depends on your property, your numbers and what you're trying to achieve next.
Q2 2026 tells a very different story between HDB and private property.
📉 HDB resale prices: -0.3%
📈 Private residential prices: +0.5%
But the bigger story is what happened inside the private market.
🏡 Landed: +2.6%
🏙️ CCR non-landed: +2.0%
📉 RCR non-landed: -1.4%
📉 OCR non-landed: -0.2%
So while the headline says "private property prices rose", the reality is much more selective. Prime and scarce properties held up, while city-fringe and suburban condos faced greater affordability resistance.
For homeowners and buyers, this changes how you should think about the market:
🏡 HDB upgraders may find the gap to private property more manageable
📊 Condo buyers have more room to compare and negotiate in softer segments
💰 HDB sellers need to be more realistic about pricing
🏙️ Prime properties continue to benefit from scarcity
📈 Resale condos are gaining attention as buyers look for value and certainty
The key takeaway?
Don't ask whether "the property market" is going up or down. Ask which segment you're actually in.
🔗 https://propertynet.sg/singapore-property-prices-q2-2026-hdb-private-cooling-market-split/
📌 In a two-speed market, blanket strategies don't work. The right move depends on your property, your numbers and what you're trying to achieve next.
PropertyNet.SG
Singapore Property Prices Q2 2026: HDB Down 0.3%, Private Up Just 0.5% as Both Cool | PropertyNet.SG
HDB resale fell 0.3% and private prices rose just 0.5% in Q2 2026. Both markets are cooling, but the split within private housing tells the real story.
🏡📈 A major housing policy shift was just announced at NDR 2026.
For the first time in seven years, Singapore is raising the income ceilings for HDB flats and Executive Condominiums.
From 24 August 2026:
🏠 BTO family income ceiling: $14K → $16K
🏡 New EC income ceiling: $16K → $18K
👤 Singles aged 35+: $7K → $8K
👨👩👧 First-timer families with children will also receive extra ballot chances from February 2027.
But there's an important detail for EC buyers.
The new $18K EC ceiling does NOT apply to existing EC launches or projects where the land tender was already awarded. It applies to new EC developments where the land tender closes from 24 August 2026 onwards.
So if your household income is between $16K and $18K, don't assume every upcoming EC is suddenly available to you.
For BTO buyers, the change is more immediate.
The next BTO exercise has also been moved from October to November 2026, giving buyers time to review their eligibility under the new income ceilings.
🔗 https://propertynet.sg/ndr-2026-bto-income-ceiling-16000-ec-18000-extra-ballot-chances/
📌 The headline is "higher income ceilings". The real question is: what does the change mean for your family's next property move?
For some, BTO becomes accessible again.
For others, the new EC ceiling may eventually open another route.
And for existing HDB upgraders, this could change the competitive landscape across both public and private housing.
For the first time in seven years, Singapore is raising the income ceilings for HDB flats and Executive Condominiums.
From 24 August 2026:
🏠 BTO family income ceiling: $14K → $16K
🏡 New EC income ceiling: $16K → $18K
👤 Singles aged 35+: $7K → $8K
👨👩👧 First-timer families with children will also receive extra ballot chances from February 2027.
But there's an important detail for EC buyers.
The new $18K EC ceiling does NOT apply to existing EC launches or projects where the land tender was already awarded. It applies to new EC developments where the land tender closes from 24 August 2026 onwards.
So if your household income is between $16K and $18K, don't assume every upcoming EC is suddenly available to you.
For BTO buyers, the change is more immediate.
The next BTO exercise has also been moved from October to November 2026, giving buyers time to review their eligibility under the new income ceilings.
🔗 https://propertynet.sg/ndr-2026-bto-income-ceiling-16000-ec-18000-extra-ballot-chances/
📌 The headline is "higher income ceilings". The real question is: what does the change mean for your family's next property move?
For some, BTO becomes accessible again.
For others, the new EC ceiling may eventually open another route.
And for existing HDB upgraders, this could change the competitive landscape across both public and private housing.
PropertyNet.SG
NDR 2026 Housing Changes: BTO Income Ceiling Up to $16,000, EC to $18,000, and Extra Ballot Chances for Families | PropertyNet.SG
PM Wong raised the BTO income ceiling to $16,000 and the EC ceiling to $18,000 from 24 Aug 2026, with extra ballot chances for families from Feb 2027. What it means for buyers.
📊 Singapore New Launch Sales Update (17 – 23 Aug 2026)
A total of 27 residential new launch units were sold across Singapore this week, with another 3 Commercial & Industrial units transacted.
🏙 CORE CENTRAL REGION (CCR) – 6 Units
• Cape Royale – 3
• Duet @ Emily – 1
• Dunearn House – 2
🌆 REST OF CENTRAL REGION (RCR) – 15 Units
• Grand Dunman – 3
• Hudson Place Residences – 1
• One Marina Gardens – 1
• Tembusu Grand – 2
• Terra Hill – 3
• The Continuum – 1
• The Ranz – 1
• The Sen – 1
• Union Square Residences – 2
🌿 OUTSIDE CENTRAL REGION (OCR) – 6 Units
• Canberra Crescent Residences – 1
• Lentor Gardens Residences – 1
• Pinery Residences – 1
• Tengah Garden Residences – 1
• The Myst – 1
• Vela Bay – 1
🏢 COMMERCIAL & INDUSTRIAL – 3 Units
• Cecil Place – 1
• Space 18 – 1
• Space Nova – 1
📈 Key Takeaway
The RCR led this week's residential sales with 15 units, accounting for more than half of the total residential transactions.
Grand Dunman and Terra Hill each recorded 3 sales, while Cape Royale led the CCR with 3 units. Sales were more evenly distributed across the OCR, with 6 units transacted across six different projects.
🔍 Thinking of buying a new launch?
Compare projects, check the latest prices, view floor plans, explore mortgage rates, and access the latest Singapore property market insights at PropertyNet.SG.
🌐 https://propertynet.sg
#SingaporeProperty #NewLaunchSingapore #PropertyNetSG #SingaporeRealEstate #PropertyMarketSG
A total of 27 residential new launch units were sold across Singapore this week, with another 3 Commercial & Industrial units transacted.
🏙 CORE CENTRAL REGION (CCR) – 6 Units
• Cape Royale – 3
• Duet @ Emily – 1
• Dunearn House – 2
🌆 REST OF CENTRAL REGION (RCR) – 15 Units
• Grand Dunman – 3
• Hudson Place Residences – 1
• One Marina Gardens – 1
• Tembusu Grand – 2
• Terra Hill – 3
• The Continuum – 1
• The Ranz – 1
• The Sen – 1
• Union Square Residences – 2
🌿 OUTSIDE CENTRAL REGION (OCR) – 6 Units
• Canberra Crescent Residences – 1
• Lentor Gardens Residences – 1
• Pinery Residences – 1
• Tengah Garden Residences – 1
• The Myst – 1
• Vela Bay – 1
🏢 COMMERCIAL & INDUSTRIAL – 3 Units
• Cecil Place – 1
• Space 18 – 1
• Space Nova – 1
📈 Key Takeaway
The RCR led this week's residential sales with 15 units, accounting for more than half of the total residential transactions.
Grand Dunman and Terra Hill each recorded 3 sales, while Cape Royale led the CCR with 3 units. Sales were more evenly distributed across the OCR, with 6 units transacted across six different projects.
🔍 Thinking of buying a new launch?
Compare projects, check the latest prices, view floor plans, explore mortgage rates, and access the latest Singapore property market insights at PropertyNet.SG.
🌐 https://propertynet.sg
#SingaporeProperty #NewLaunchSingapore #PropertyNetSG #SingaporeRealEstate #PropertyMarketSG
PropertyNet.SG
PropertyNet.SG | Singapore New Launch Condo Benchmark & Buyer Tools
Independent Singapore new launch condo benchmark with 100-point scoring, intrinsic value calculator, buyer profiler and stamp duty tools. Built for HDB upgraders, first-time buyers and investors.
🏡💎 Singapore's GCB market just posted a big rebound — but don't read too much into the headline.
Average GCB land rates jumped from around $1,803 psf in Q1 2026 to $2,341 psf in Q2, the highest quarterly average since Q1 2025. But there were only 7 transactions in the quarter, so a handful of prime deals can move the average significantly.
The standout transaction?
💰 $64.9M Nassim Road GCB
📐 About 14,264 sq ft of land
📈 Roughly $4,550 psf
🏆 A record psf for a Nassim Road detached property
This is why the GCB market needs to be read differently from the mass residential market.
🌳 Land is extremely scarce
🔑 Only around 2,800 GCB plots across 39 gazetted areas
🇸🇬 Only Singapore Citizens can generally purchase GCBs
📊 Every plot is highly individual
💰 Prime locations can command a significant premium
The key takeaway?
The $2,341 psf average doesn't mean every GCB is suddenly worth $2,341 psf. The Q2 jump was heavily influenced by deal mix and ultra-prime transactions such as Nassim Road.
🔗 https://propertynet.sg/singapore-gcb-market-q2-2026-land-rates-nassim-road-trophy-sale/
📌 In the GCB market, averages can tell you the direction — but the value of an individual bungalow comes down to the land, location, plot characteristics and buyer demand.
Average GCB land rates jumped from around $1,803 psf in Q1 2026 to $2,341 psf in Q2, the highest quarterly average since Q1 2025. But there were only 7 transactions in the quarter, so a handful of prime deals can move the average significantly.
The standout transaction?
💰 $64.9M Nassim Road GCB
📐 About 14,264 sq ft of land
📈 Roughly $4,550 psf
🏆 A record psf for a Nassim Road detached property
This is why the GCB market needs to be read differently from the mass residential market.
🌳 Land is extremely scarce
🔑 Only around 2,800 GCB plots across 39 gazetted areas
🇸🇬 Only Singapore Citizens can generally purchase GCBs
📊 Every plot is highly individual
💰 Prime locations can command a significant premium
The key takeaway?
The $2,341 psf average doesn't mean every GCB is suddenly worth $2,341 psf. The Q2 jump was heavily influenced by deal mix and ultra-prime transactions such as Nassim Road.
🔗 https://propertynet.sg/singapore-gcb-market-q2-2026-land-rates-nassim-road-trophy-sale/
📌 In the GCB market, averages can tell you the direction — but the value of an individual bungalow comes down to the land, location, plot characteristics and buyer demand.
PropertyNet.SG
Singapore GCB Market Q2 2026: Land Rates Jump to $2,341 psf, $64.9M Nassim Road Trophy Sale | PropertyNet.SG
Singapore GCB land rates rebounded to $2,341 psf in Q2 2026 on seven caveated deals, led by a $64.9M Nassim Road trophy sale. Our analysis of the numbers.
🏡🔄 Thinking of right-sizing from one condo to another?
For many empty nesters and homeowners, moving from a larger condo to a smaller one can unlock significant equity — but the numbers need to make sense.
A $2.2M condo swapped for a $1.5M replacement may look like a straightforward $700K difference.
But the actual amount you unlock is lower after:
💰 Buyer's Stamp Duty on the new property
⚖️ Legal and agent fees
🏦 Any outstanding mortgage
📊 CPF considerations
🏠 Renovation and moving costs
And if you buy the smaller property before selling your existing condo, ABSD can completely change the equation. A Singapore Citizen buying a second residential property currently faces 20% ABSD.
So the smarter question isn't:
"How much cheaper is my next condo?"
It's:
"How much net equity will I actually unlock after all costs?"
For owners approaching retirement, that released equity could potentially be redirected towards CPF retirement savings, a liquidity buffer or simply reducing ongoing housing costs.
🔗 https://propertynet.sg/right-sizing-condo-to-condo-2026/
📌 Right-sizing isn't about moving into a smaller home. It's about making your property work better for the stage of life you're entering.
For many empty nesters and homeowners, moving from a larger condo to a smaller one can unlock significant equity — but the numbers need to make sense.
A $2.2M condo swapped for a $1.5M replacement may look like a straightforward $700K difference.
But the actual amount you unlock is lower after:
💰 Buyer's Stamp Duty on the new property
⚖️ Legal and agent fees
🏦 Any outstanding mortgage
📊 CPF considerations
🏠 Renovation and moving costs
And if you buy the smaller property before selling your existing condo, ABSD can completely change the equation. A Singapore Citizen buying a second residential property currently faces 20% ABSD.
So the smarter question isn't:
"How much cheaper is my next condo?"
It's:
"How much net equity will I actually unlock after all costs?"
For owners approaching retirement, that released equity could potentially be redirected towards CPF retirement savings, a liquidity buffer or simply reducing ongoing housing costs.
🔗 https://propertynet.sg/right-sizing-condo-to-condo-2026/
📌 Right-sizing isn't about moving into a smaller home. It's about making your property work better for the stage of life you're entering.
PropertyNet.SG
Right-Sizing Singapore Condo to Condo in 2026: Making the ABSD and Equity Numbers Work | PropertyNet.SG
How to right-size from one Singapore condo to another in 2026: sell-and-buy sequencing, 20% ABSD and remission, unlocking equity and retirement planning.
🏡⏱️ How long does it really take to sell an HDB?
A recent HDB sale journey can look deceptively simple — first viewing, offer, OTP, resale application, approval and finally completion.
But there are several moving parts behind the scenes.
A typical timeline includes:
👀 First viewing — finding the right buyer
🤝 Negotiation & OTP — agreeing on price and terms
📝 Resale application — both parties submit their portions to HDB
🏦 HDB processing — eligibility and documents are checked
🔑 Completion — generally about 8 weeks from HDB's acceptance of the complete resale application
The OTP itself is valid for 21 calendar days, while both parties must submit their resale application portions within the agreed timeframe and within 7 days of each other's submission.
And for sellers, planning shouldn't start only after you find a buyer.
Before listing, you should already know:
📊 Your realistic market value
💰 Your estimated net sale proceeds
🏦 Outstanding loan and CPF refund
🏡 Where you'll move next
📅 Whether your sale timeline matches your next property purchase
🔗 https://propertynet.sg/diary-hdb-sale-90-days-first-viewing-completion-2026/
📌 A smooth HDB sale isn't just about finding a buyer. It's about planning the entire journey from Day 1 to completion.
A recent HDB sale journey can look deceptively simple — first viewing, offer, OTP, resale application, approval and finally completion.
But there are several moving parts behind the scenes.
A typical timeline includes:
👀 First viewing — finding the right buyer
🤝 Negotiation & OTP — agreeing on price and terms
📝 Resale application — both parties submit their portions to HDB
🏦 HDB processing — eligibility and documents are checked
🔑 Completion — generally about 8 weeks from HDB's acceptance of the complete resale application
The OTP itself is valid for 21 calendar days, while both parties must submit their resale application portions within the agreed timeframe and within 7 days of each other's submission.
And for sellers, planning shouldn't start only after you find a buyer.
Before listing, you should already know:
📊 Your realistic market value
💰 Your estimated net sale proceeds
🏦 Outstanding loan and CPF refund
🏡 Where you'll move next
📅 Whether your sale timeline matches your next property purchase
🔗 https://propertynet.sg/diary-hdb-sale-90-days-first-viewing-completion-2026/
📌 A smooth HDB sale isn't just about finding a buyer. It's about planning the entire journey from Day 1 to completion.
PropertyNet.SG
Diary of an HDB Sale in 2026: 90 Days From First Viewing to $715,000 Completion | PropertyNet.SG
Follow one Sengkang couple through a 90-day HDB sale in 2026, week by week, from first viewing to a $715,000 completion cheque and CPF refund.
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