Services · Buying · HDB
Buying a Resale HDB Flat
David & Audrie (ERA) help you buy a resale HDB flat with the numbers worked out first: your HFE letter, grants, CPF and loan. Then we find the right town and flat, check a fair price against recent transactions, and handle the Option to Purchase and HDB resale application through to keys.
How we help you buy a resale flat
- 01
HFE letter and budget
Your HDB Flat Eligibility (HFE) letter, CPF housing grants, loan and cash, so you know your budget before viewing. With an HDB loan, sellers can only grant you an Option to Purchase once you have a valid HFE letter.
Read more → - 02
Town, block and flat
Location, remaining lease, MRT, schools and future plans, compared across the towns you're considering.
- 03
Fair price
Recent resale transactions in the block and town, and what any cash-over-valuation (COV) would cost you in cash.
- 04
Option to Purchase
Your offer, an option fee of up to $1,000 and the 21-day option period, with HDB's valuation requested in time.
- 05
Resale application to keys
Exercising the option, the HDB resale application, and about 8 weeks to completion, with every document and payment on time.
Buying a resale flat is really about timing and cash
A resale flat lets you choose the town, block and floor, and move in within months rather than years. What decides whether it works is your cash and CPF: the grants and loan you qualify for, any cash-over-valuation, and when each payment falls due.
That's why we start with the numbers. You'll know your budget, grants and cash position before you view, so you can move quickly when the right flat comes up.
Who we help
First-time buyers using CPF housing grants
Families moving closer to their parents or children
Owners right-sizing from a larger home
Buyers who need to sell and buy at the same time
Useful tools
Work out your loan, grants, cash and CPF with the HDB resale calculator.
Begin here
Every strong property journey begins the same way. With clarity.
A calm, no-obligation conversation about where you are and what you want your property to do for you.