A block of HDB flats in Queenstown

HDB flat owners can sell their flats in the open market to eligible buyers of their own choice at a mutually agreed resale price. The seller and buyer shall declare to HDB the true resale price of the flat. They shall not enter into any supplementary or other agreements or arrangements that may cause the true resale price as declared to be inflated or understated.

Important Note
Under the Housing & Development Act, the penalties for buyers and sellers who give false information to HDB is up to 6 months’ imprisonment and/or a fine of up to $5,000.

Before selling your flat, you must ensure that you have met the eligibility criteria to do so, i.e. to have met the Minimum Occupation Period (MOP).

Minimum Occupation Period (MOP)

HDB flat owners must have physically occupied their flats for a period of time, referred to as Minimum Occupation Period (MOP), before they are eligible to sell it in the open market.

The period will depend on:

  • The purchase mode, and
  • The flat type

*If you have rented out your entire flat, the period of subletting will not be included in the computation of the MOP.

Flat type listed below and their required MOP*.

1-Room and HUDC Flat
– No occupation period for owners owning 1-room flat or HUDC flat.

Flats bought from HDB (direct-purchase flat), DBSS flat bought from developer and Resale Flat under CPF Housing Grant Scheme
– 5 years from effective date of purchase.

Flats bought under Selective En Bloc Redevelopment Scheme (SERS)

  • For SERS replacement flat purchased with portable SERS rehousing benefits
    – 5 years from the effective date of purchase of the replacement flat.
  • For SERS replacement flat not purchased with portable SERS rehousing benefits
    – 7 years from the date of selection of the replacement flat, provided they had taken possession of the replacement flat; or
    – 5 years from the effective date of purchase of the replacement flat.

The computation of the MOP excludes the period (if any) of non-occupation of the replacement flat, such as subletting of whole flat or any infringement of the flat lease.

Resale Flat bought in the open market (without CPF Housing Grant Scheme)

The minimum occupation period you need to meet depends on when we receive your resale application:

Resale Application Received Date
MOP applicable
Before 5 March 2010
(includes owners owning their resale flat as at this date)
  • 2½ years from effective date of resale if the owner takes a loan from HDB
  • 1 year from the effective date of resale if:
    i. the owner has not taken a loan from HDB; or
    ii. he has taken a loan from the bank/financial institution to finance the purchase
5 March 2010 – 29 August 2010
  • 3 years from effective date of resale, regardless of the type of loan taken by the owners or loan status
On or after 30 August 2010
  • 5 years from effective date of resale, regardless of the type of loan taken by the owners or loan status

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