Seller’s Guide
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Singapore Property Seller's Guide Sell your home for more, with real numbers
HDB, condo, landed or commercial: your projected price, who can buy it, what you pay in commission and stamp duty, when the money arrives and what you can do next — in 3D, from every real transaction.
What are you selling?
HDB flat, condo or EC, landed home or commercial space — pick yours and every chapter below adapts to it. The map shows where prices moved in the last year.
The selling steps, one by one
From valuation to handing over the keys — the exact steps for an HDB, private or commercial sale, and who does what.
Can you sell yet?
Your purchase or key date in: the MOP or Seller's Stamp Duty position today, and the date you are free to sell.
Your projected selling price
Find your block or condo. We price it from the latest real sales around it, adjusted for floor, size and time — then use that price in every chapter that follows.
Pick your asking price
Ambitious, market or quick sale: what each asking price means, and how many real buyers have paid that much nearby.
Your potential buyer pool
Who is allowed to buy your home, the income they need to afford your price, the stamp duty they face — and how busy buyers are in your area.
When to list
Which months buyers are busiest and prices firmest across Singapore, and whether your area is heating up or cooling.
Your expected timeline
Pick the week you list: every milestone dated, from photos to completion and money in your account.
Agent commission payable
Commission is not fixed by law — it is agreed with your agent. See what each rate costs at your price, with and without GST.
Seller's Stamp Duty
Sell a private home within 4 years of buying it and SSD applies. See your rate, the amount and the date it drops to zero.
Cash on hand after selling
Sale price minus your loan, CPF refund with accrued interest, commission, legal fees, SSD and any lock-in penalty: what actually lands in your bank account.
What can you do after selling?
Upgrade, right-size, buy another HDB, go private or rent first — the rules for each, and the homes your proceeds can buy.
Prepare your home and paperwork
Tick as you go: documents to gather, fixes that pay back, and how to make viewings count.
Costly mistakes to avoid
The traps that cost sellers money or time — and how to sidestep each one.
Your selling plan
Everything you worked out above in one place — and how I can help you sell for more, faster.
Keep going
13 guides and tools, one journey
Singapore Property Seller's Guide
The Seller's Guide, step by step
Everything a home seller in Singapore needs, in order: the steps, the timeline, what it costs, what you walk away with and what you can do next. Use the 3D tools above for your own numbers.
Selling an HDB flat
- Check you can sell. You must have met the 5-year Minimum Occupation Period. Note your outstanding loan and the CPF you used (CPF "My Property" statement).
- Know your price. Look at recent resale prices in your block and street, and the floor and size premium.
- Register an Intent to Sell. On the HDB Flat Portal. You must wait 7 days after registering before you can grant an Option to Purchase.
- Prepare, list and hold viewings. Fix small defects, declutter, take good photos, list the flat and screen buyers (check their HFE letter).
- Grant the Option to Purchase. The buyer pays an option fee of $1 to $1,000 and has 21 calendar days to exercise it.
- Buyer exercises the OTP. The buyer pays the exercise fee (option + exercise fees up to $5,000 in total).
- Submit the resale application. Buyer and seller each submit their part on the HDB Flat Portal within 7 calendar days of the exercise.
- HDB acceptance and approval. Endorse the documents online; HDB processes the application.
- Completion and keys. Commonly about 8 weeks after HDB accepts the application. Your loan is repaid, CPF refunded and the balance paid to you.
Selling a condo, EC or landed home
- Check your position. Seller's Stamp Duty applies if you sell within 4 years of buying. Check your loan balance, lock-in period and CPF used.
- Know your price. Compare recent caveats in your project and nearby projects, adjusted for floor, size and facing.
- Appoint your agent. Sign the CEA-prescribed estate agency agreement, which sets the commission and the term.
- Market and view. Photos, video, floor plan, portal listings, buyer outreach and viewings.
- Grant the Option to Purchase. The buyer usually pays a 1% option fee for a 14-day option period.
- Buyer exercises the option. Usually a further 4% is paid. Your lawyer starts the conveyancing and asks your bank for the redemption statement.
- Pay any SSD. If SSD applies, it is due within 14 days of the contract date.
- Completion. Commonly 8 to 12 weeks after the exercise. Your loan is redeemed, CPF refunded and the balance paid to you.
Selling commercial property
- Check title, use and tenancy. Confirm tenure, the approved use (URA) and any tenancies — many commercial units sell with the tenant in place.
- Check GST. If you are GST-registered, GST may be chargeable on the sale of a commercial property. Get tax advice before you price it.
- Value it. Commercial values hinge on rental yield, tenure left and comparable sales — ask for a professional valuation.
- Appoint an agent and market. Target investors and owner-occupiers; share rent roll and tenancy details with serious buyers.
- Option to Purchase / letter of offer. Option fee and exercise period are negotiated (1% is common).
- Exercise and conveyancing. Lawyers handle title, tenancy transfer and the redemption of your loan.
- Completion. Commonly 8 to 12 weeks after exercise. Commercial property has no Seller's Stamp Duty; industrial property sold within 3 years does.
What it costs to sell
- Agent commission — not fixed by law; agreed in your estate agency agreement. Many sellers pay around 1% to 2%, plus 9% GST if the agency is GST-registered.
- Legal / conveyancing fees — get quotes; they vary by property type and firm.
- Seller's Stamp Duty (private residential) — 16% if sold within 1 year of purchase, 12% within 2 years, 8% within 3 years, 4% within 4 years, nil after that. No SSD on commercial property; industrial property has its own SSD for sales within 3 years.
- Loan redemption — a bank prepayment penalty may apply during the lock-in period (often about 1.5% of the amount repaid). HDB loans have none.
- CPF refund — the CPF you used plus the accrued interest (2.5% a year, compounded monthly) goes back to your own CPF Ordinary Account before you receive cash.
After you sell
- HDB sellers can buy another resale flat straight away, upgrade to a condo or EC, or right-size (owners 55+ may qualify for the Silver Housing Bonus). A resale levy applies only if you buy another subsidised flat.
- Private property sellers who want an HDB resale flat must wait 15 months after selling (seniors 55+ buying a 4-room or smaller resale flat are exempt); a BTO or new EC requires no private property ownership in the 30 months before applying. Check the latest rules with HDB.
- Buying your next home before selling? A second residential property attracts ABSD upfront; married couples with at least one Singapore Citizen can apply for a refund if they sell the first home within 6 months (IRAS conditions apply).
Get my free Seller Playbook (PDF) Free valuation on WhatsApp Call Sam: 8911 8921
General information only, summarised from HDB, CPF Board, IRAS and URA rules as of October 2026. Rules change — confirm your own case with the authorities or a professional.
HDB figures are from resale transactions published by HDB on data.gov.sg; private figures are from URA's published caveats (last 12 months unless stated). Loan, grant, stamp duty and eligibility figures use the rules published by MAS, HDB, CPF Board and IRAS as summarised in these guides, and can change — HDB, CPF Board, IRAS and your bank make their own assessment. Estimates and illustrations are labelled as such. Your answers are saved only in this browser. Nothing here is financial advice.