Guides
How to sell your HDB, written from 90 sales
Plain answers to what an HDB seller pays, how long it takes and which order to do things in. One author, every guide dated, every claim from a transaction I handled.
Figures from my own transaction record. See all 90 sales.
Start here
How to sell an HDB flat in 2026, step by step
Intent to Sell, pricing, Option to Purchase, resale application, completion — and what actually goes wrong at each step across 77 HDB sales.
Follow the path
Decide, then count the cost, then sell
Ordered the way a sale happens. Each card gives the short answer before you click.
Decide
Sell first or buy first?
Sell first, for most people: no ABSD upfront and a full 75% loan. Buy first only with the cash to park 20% ABSD, or HDB-to-HDB on contra.
How long does an HDB take to sell?In progress
Time to sell across my 77 HDB sales, split by town and flat type. Charted from real data, not estimated.
Count the cost
HDB agent commission in 2026: what you actually pay
No official rate exists. 2% plus 9% GST is $13,080 on a $600,000 flat. What it buys, and what to negotiate before you sign.
Fixed fee vs 2%: does a fixed-fee agent try less hard?
A 2% agent earns $200 more per extra $10,000 you get. What the fee really changes, with time-to-sell data from 77 HDB sales.
Do the maths
Who writes these
Still have a question the guides didn't answer?
Send it on WhatsApp. I reply myself, usually the same day. No obligation, no follow-up calls.
Guides are updated when the rules change; the date shown on each is the last revision.