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How to select an HDB resale flat

A current owner-occupier checklist for eligibility, lease, price, condition and affordability.

Published 25 February 2022

Updated September 2026. HDB, CPF and financing rules change. Verify current eligibility and property-specific records.

Choose for suitability and lease adequacy

  1. Confirm household eligibility, HFE results and financing limits.
  2. Check remaining lease, CPF usage and loan implications.
  3. Compare recent matched transactions and current competing supply.
  4. Inspect condition, layout, orientation, noise, access and renovation scope.
  5. Review minimum-occupation, ethnic-integration and other applicable conditions.

SERS is not an entitlement, and a five-year holding period does not guarantee appreciation or capital protection. Prioritise long-term affordability and owner-occupier needs using current official information.