A Singaporean’s Ultimate Guide to Buying a Resale HDB Flat in 2025
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Thinking of buying a resale HDB flat in Singapore this year? You’re not alone. Resale HDB flats remain a top choice for many Singaporeans who value space, convenience, and faster move-in timelines.
In this updated 2025 guide, we’ll cover everything you need to know — from eligibility and HFE applications, to CPF usage, stamp duties, grants, and financing options. Whether you’re a first-time buyer or upgrading to a bigger space, this guide will help you make informed decisions and close the deal with confidence.
Are You Eligible to Buy a Resale HDB Flat?
Before you begin your search, make sure you qualify under one of HDB’s schemes:
| HDB Scheme | Who It’s For |
|---|---|
| Public Scheme | Families with at least one Singapore Citizen or PR |
| Fiancé/Fiancée Scheme | Engaged couples planning to marry |
| Single Singapore Citizen Scheme | Singles aged 35+ buying alone |
| Joint Singles Scheme | Up to four single citizens buying together |
| Non-Citizen Spouse Scheme | Citizens with non-resident spouses |
You must also:
Be eligible for CPF housing grants and HDB loans.
Not own other properties (or dispose of them within 6 months).
Step-by-Step: Buying Your Resale HDB Flat in 2025
1. Apply for Your HFE (HDB Flat Eligibility) Letter
This letter is mandatory before you can get an Option to Purchase (OTP). It confirms:
Your eligibility
CPF grants you qualify for
HDB loan eligibility & amount
2. Understand HDB Flat Classifications
From 2024 onwards, HDB flats fall under three categories:
| Flat Type | Resale Conditions | Subsidies |
| Standard | No extra restrictions | Basic subsidies |
| Plus | 10-year MOP, Subsidy Recovery | Higher subsidies |
| Prime | 10-year MOP, stricter resale rules | Highest subsidies |
How Much Will a Resale HDB Flat Cost?
While resale flats are generally pricier than BTO flats, they offer immediate move-in convenience. Here are the key payment components:
Main Payments
| Payment | Mode | Amount | When to Pay |
| Option Fee + Deposit | Cash | Up to $5,000 total | Upon OTP grant |
| Initial Payment | CPF/Cash | 20%-25% of price | Upon loan acceptance |
| Balance Payment | Cashier’s Order | Based on valuation | On completion |
Miscellaneous Costs
Resale Application Fee: $40-$80
Buyer’s Stamp Duty (BSD): 1%-6% based on tiers
Additional Buyer’s Stamp Duty (ABSD): Up to 60% (based on profile)
Valuation Fee: $120
Fire Insurance: Mandatory for HDB loan users
Home Protection Scheme: Required for CPF-funded homes
Legal Fees: $2,500-$3,000 depending on loan type
CPF, Grants, and Financing: Your Best Tools
Good news! You don’t need to rely solely on cash. Here’s how to make the most of CPF and grants:
CPF Can Be Used For:
Initial and balance payments
Monthly mortgage instalments
Legal fees and stamp duties
Important CPF Conditions:
Remaining lease must cover youngest buyer till age 95 to use CPF fully
If lease < 20 years: CPF usage is not allowed
Grants for Resale Flats (2025)
| Grant | Families | Singles | Eligibility |
| CPF Housing Grant | Up to $80,000 | Up to $40,000 | First-timers, $14k (family), $7k (single) income ceiling |
| Enhanced CPF Housing Grant | Up to $80,000 | Up to $40,000 | $9k (family), $4.5k (single) ceiling |
| Proximity Housing Grant | $20k-$30k | $10k-$15k | Must live within 4km of parents/children |
HDB Loan vs Bank Loan: Which Is Better in 2025?
HDB Loan
Loan Limit: Up to 75% of price/valuation
Interest Rate: ~2.6% (pegged to CPF rate)
Requirements: No private property, Singapore Citizen buyer
Bonus: Retain $20,000 in CPF OA to earn interest
Bank Loan
Loan Limit: Up to 75%
Interest Rate: Varies (fixed/floating)
Requirements: Credit checks apply
Resale HDB vs BTO: Which Should You Choose?
| Feature | Resale HDB | BTO Flat |
| Move-in Time | Immediate | Wait 3-5 years |
| Location | Islandwide | Limited launches |
| Flat Size | Usually larger | Standard sizes |
| Amenities | Mature estates | Still developing |
| Price Negotiation | Flexible | Fixed pricing |
| Renovation | Immediate | Delayed due to warranty period |
Choose Resale if You:
Need a home urgently
Want mature amenities & larger layouts
Prefer freedom to renovate immediately
Final Tip: Stay Updated
Policies, prices, and grants change. Always refer to HDB and IRAS for the latest.
Want a personal checklist or quote comparison? Contact a trusted property agent or HDB branch today to help you move one step closer to your dream home.
Ready to Start Your HDB Resale Journey? Start by securing your HFE letter and browsing listings in your preferred town. With the right knowledge and support, buying your resale flat in 2025 can be smooth and rewarding.
For more practical housing tips, stay tuned to our blog!