Real Estate

Selling Your HDB Flat Without an Agent: A Complete Guide for DIY Homeowners

Thinking of selling your HDB flat in Singapore without engaging a property agent? You're not alone. With increasing access to online platforms and transparent government processes, more homeowners are taking the DIY route to save on agent commission fees. If you're planning to go solo, this guide walks you through the entire journey step-by-step.

yashi14

Jun 23, 2025 - 11:26

Selling Your HDB Flat Without an Agent: A Complete Guide for DIY Homeowners

Why Sell Without an Agent?

Before we dive into the process, it’s worth considering the benefits of selling without an agent:

No Commission Fees: Save 1–2% of your selling price.
Full Control: Handle viewings, pricing, and negotiations yourself.
Better Buyer Interaction: Speak directly with interested buyers.

Of course, this route requires more effort, but with proper preparation, it’s entirely manageable.

Step 1: Check Eligibility to Sell

Before anything, ensure you meet the Minimum Occupation Period (MOP), typically 5 years from the date of key collection.

Check your eligibility by logging into the My HDBPage.

If you're within your MOP or if there are any restrictions (like renting out your unit or ownership of another property), you may not be able to sell just yet.

Step 2: Decide on the Selling Price

Pricing is critical. Set a reasonable yet competitive price by:

Checking recent resale transactions in your area on HDB’s official portal.
Comparing similar flat types and sizes in your block or neighborhood.
Considering flat condition, floor level, and nearby amenities.

You can also use the HDB Flat Portal's price estimator tool for guidance.

Step 3: List Your HDB Flat Online

Now it's time to attract buyers! The best way to do this is by listing your flat online on trusted platforms such as:

HDB Flat Portal
PropertyGuru
99.co
SRX Property

Make sure your listing stands out with:

High-quality photos (natural lighting, wide angles)
Detailed descriptions (floor size, features, proximity to MRT/schools)
Honesty about flat condition

Step 4: Schedule and Host Viewings

Once your listing is live, respond promptly to inquiries and arrange viewings at convenient times.

Tips for Hosting Viewings:

Clean and declutter your home.
Highlight key features during tours (renovations, views, nearby amenities).
Be honest and build rapport with potential buyers.
Have your flat documents and past renovation records ready.

Step 5: Negotiate and Agree on a Price

This is where your negotiation skills come in!

Be open to offers but stay firm on your bottom line. When you reach an agreement with a buyer:

Get the buyer’s Option to Purchase (OTP) form ready.
Collect an option fee of $1 to $1,000, which gives the buyer 21 days to exercise the OTP.

Once the buyer exercises the OTP (by paying another $4,000 max), the deal becomes legally binding.

Step 6: Submit Resale Application to HDB

Both seller and buyer must submit the HDB resale application separately within 7 days of each other via the HDB Resale Portal.

Here’s what you’ll need:

Option to Purchase (OTP)
Personal and flat details
Supporting documents (identity card, income proof, etc.)

HDB will then process the application and schedule appointments accordingly.

Step 7: Attend the Resale Completion Appointment

Once HDB confirms your application, they will schedule a completion appointment, typically 8–10 weeks from submission.

At this appointment:

You and the buyer will sign the transfer of ownership.
HDB will process payment.
You’ll hand over the keys and vacate the flat.

And just like that, the flat is officially sold!

Documents You’ll Need Throughout

Keep these on hand:

NRIC copies of all owners
OTP forms
Latest HDB loan documents (if applicable)
Proof of CPF usage (CPF statement)
Utility bills and town council statements

Costs to Expect

Even without an agent, some fees are unavoidable:

Fee Type	Estimated Amount
Legal/Conveyancing Fees	$300–$500
Valuation Report (optional)	~$200
Resale Levy (if applicable)	Varies based on flat type
Seller’s Stamp Duty (if any)	Only if sold within 3 years

Common Challenges (and Solutions)

1. Low Offers
Solution: Set a clear bottom-line price and be patient. Emphasize unique features of your flat.

2. Lack of Interest
Solution: Improve your listing photos or adjust pricing slightly.

3. Legal Complexities
Solution: Use HDB’s guided online steps or engage a conveyancing lawyer if needed.

Final Thoughts

Selling your HDB flat without an agent is not just a cost-saving move — it's an empowering experience. With proper planning, research, and a bit of negotiation, you can manage the entire process on your own.

It’s important to stay updated with HDB policies, respond to buyer inquiries professionally, and handle documents meticulously.

Ready to go solo and sell your HDB flat? Take the first step today — and enjoy full control (and full savings) in your resale journey!