Updated September 2026 from Council for Estate Agencies guidance. This is a practical process guide, not legal advice. HDB and private-home rules differ and current official requirements take precedence.
1. Verify the property and the person offering it
Confirm the landlord's identity, ownership, property address, approved residential use and relevant restrictions. If an agent is involved, verify the salesperson on CEA's Public Register. Do not pay merely to secure a viewing, and protect personal documents from rental scams.
2. Confirm that the tenancy is permitted
Check the rules for the exact property type, occupants, minimum rental period and any required approvals. For HDB accommodation, use HDB's current renting-out guidance. For private homes, review URA and CEA requirements.
3. Inspect and record the condition
Test fixtures, appliances, water, air-conditioning, access and internet arrangements. Record defects, included furniture, keys and meter readings in a signed inventory with dated photographs.
4. Negotiate the full agreement
CEA provides rental checklists and a private-residential tenancy template. Agree rent, deposit, term, repair responsibilities, access, renewal, early termination, handover and dispute provisions before signing.
5. Complete payment and administration safely
Use traceable payment channels, obtain receipts, stamp the tenancy agreement as required by IRAS and keep the signed agreement, inventory and correspondence. A template is a starting point; obtain legal advice for unusual clauses or disputes.