Updated September 2026. HDB procedures, loan terms, CPF rules, taxes and fees change. Verify the current rules before committing to a sale.
Start with the net proceeds, not the headline price
A resale price is not the amount a seller keeps. Build a dated completion statement covering the outstanding loan, CPF refund, legal work, agent fee, taxes, moving, renovation overlap and any agreed extension.
- Confirm eligibility and register the Intent to Sell through the current HDB resale process.
- Check the loan-redemption figure and CPF principal plus accrued interest.
- Budget for legal, valuation, administrative and marketing costs.
- Verify whether a resale levy, Seller's Stamp Duty or other tax applies.
- Allow for temporary housing, storage, repairs and delayed completion.
Use current HDB, CPF and IRAS guidance plus written advice from qualified professionals. This checklist is general information, not legal, tax or financial advice.