(iii) If the existing flats are not sold/disposed of within the requisite timeframes and/or the requisite CPF refunds/cash proceeds are not made, this will constitute a default under the mortgage and HDB will immediately recall the housing loan granted and all the principal and interest will become immediately payable to HDB. 9.6 The seller and buyer shall jointly and severally keep HDB fully indemnified against all actions, proceedings, claims, demands, liabilities, losses, charges, damages, costs and expenses which may be brought against, become payable by and/or incurred by HDB arising from or in relation to the damage caused to the flat or the building where the flat is located. Flat bought under Selective En-bloc Redevelopment Scheme (SERS). We will NOT share your personal data with non-Government entities, except where such entities have been authorised to carry out specific Government services. All data/information provided by the seller and buyer must be true and accurate. (a) For buyers and essential occupiers who have taken one HDB Loan at Concessionary Interest Rate and are buying the next HDB flat after selling/disposing the existing one -. In Clause 24.4, the disposal of an HDB flat includes disposal by way of transfer, surrender or compulsory acquisition. 2.6 The buyer who is eligible for and intends to obtain an HDB housing loan must have a valid HDB Loan Eligibility Letter when the seller grants him the Option to Purchase. 3.3 The declared resale price shall be stated in the Option to Purchase, the resale application form and other documents as required by HDB to process the resale application. 3 Words referring to the male gender include the female gender. Property Tax, Service/Conservancy charges up to the actual date of completion; and. HDB’s written approval for the resale must still be obtained before the resale completion can take place. 2.1 The seller and buyer must use the HDB prescribed Option to Purchase as the form of contract for the sale and purchase of the flat in the resale market (“the resale”). 2.2 No amendments may be made to the prescribed Option to Purchase form. There are also other special conditions: 16.4 If, on or before the completion of the resale, HDB is of the opinion that any party (or his attorney, donee, deputy, representative, or personal representative) does not have full power and capacity to enter into and/or complete the resale transaction and to do all such acts and sign all documents, instruments and letters relating to the resale transaction, HDB reserves the right to, in its sole and absolute discretion, postpone the completion of the resale or cancel the resale application. 21.7 Where the buyer is applying with his fiancée to form a family nucleus, they must register their marriage with the Registry of Civil or Muslim Marriages and submit their marriage certificate to HDB within 3 months from the date of taking possession of the resale flat. The seller/owner may be liable to the buyer for late completion interest in the event of a delay in completion. Get the information you need for any business involving HDB homes, properties, commercial spaces, or land under our management. unmarried, divorced, or widowed), you can jointly buy an HDB resale flat. He may buy the flat with another unmarried Singapore Citizen who meets the age requirement at the time of submitting the resale application. For married, original marriage certificate, and both couple need to be there. To check your eligibility to buy a resale flat, register your Intent to Buy through the HDB Resale Portal. The list went on and on. The use of CPF savings for the purchase of an HDB flat is subject to the CPF Board’s prevailing policies, rules, regulations, usage limits, terms and conditions. 17.2 Upon such withdrawal, the administrative and valuation fees paid will not be refunded. This is what happens when you are under the mercy of HDB. Each DBSS development is characterised by its own distinctive external features. 7.2 Where the seller who belongs to a non-Singapore citizen household (i.e. Such cancellation shall not in any way prejudice the rights of the seller or buyer to take such action (if any) as they may deem fit pursuant to the contract for sale and purchase as evidenced by the Option to Purchase. If the marriage is done overseas, submit a copy of the marriage certificate to the Housing Board. 18.2 In addition to other remedies, the Housing & Development Act provides that any person who makes a false statement is liable on conviction to a fine not exceeding $5,000/- or to imprisonment for a term not exceeding 6 months, or to both. HDB shall have the sole discretion to determine the computation of the minimum occupation period. In the absence of the seller’s consent, HDB will process the resale application without the purchase of the recess area. The second HDB concessionary interest rate loan is granted subject to the following conditions: (i) up to 50% of the cash proceeds from the sale/disposal of the buyer's and/or his spouse's/fiancé's/fiancée's last owned flat will be taken into account in determining the loan to be granted; and. Parents and siblings (if you are a single SPR buying with parents, at least one of your parents must be an SC or SPR), Children under your legal custody, care and control (for widowed/ divorced persons), A co-applicant (if 21 years old or above), Solemnise your marriage with the Registry of Civil Marriages or Registry of Muslim Marriages within 3 months from the resale completion date, Submit a photocopy of your marriage certificate to us within 3 months from the resale completion date, if your marriage is registered overseas. If you are below 35 years old, you must not have another sibling who is below 35 years old buying/owning another flat under the: The flat must be bought jointly, i.e. (a) For SERS replacement flat purchased with portable SERS rehousing benefits: - 5 years from the effective date of purchase of the replacement flat. Such cancellation shall not in any way prejudice the rights of the seller or buyer to take such action (if any) as they may deem fit pursuant to the contract for sale and purchase as evidenced by the Option to Purchase. You must meet the EIP and SPR quota for the block/ neighbourhood when you submit the resale application. If you or any persons listed in the application owns an HDB flat, you must dispose of the HDB flat within 6 months of the resale flat purchase. The buyer who is not taking any housing loans is not required to obtain an HDB Loan Eligibility letter from HDB or a Letter of Offer from a bank/financial institution, but will have to indicate that he is financing the flat purchase fully with his CPF savings and/or cash when he submits the resale application to HDB. Failure or neglect in doing so could result in serious consequences. The computation of the Minimum Occupation Period excludes the period (if any) of non-occupation of the replacement flat, such as renting out of the whole flat or any infringement of the flat lease. HDB reserves the right to amend the applicable renovation restrictions in line with the prevailing policies of HDB and the relevant authorities without prior notice to the buyer. 17.3 HDB will only cancel the resale application upon receiving written confirmation from both the seller and buyer to that effect. 4.6 In granting the Option to Purchase, the seller agrees to the valuation of the flat, if required by HDB. The buyer must register the Intent to Buy before being granted an Option to Purchase by the seller. (h) If the buyer rents out the whole flat, the rental period will not be included in computing the 5-year minimum occupation period. 1.4 The information furnished in the HDB Resale Portal to the seller or buyer following the registration of the Intent to Sell or Intent to Buy are based on the data and information provided by the seller or buyer and may be subject to change if there are any new data or information or new policies which affect their eligibility to sell or buy the flat. 4.7 HDB's acceptance of the buyer’s Request for Value does not constitute an approval for the resale of the flat. Buy an HDB resale flat with your fiancé or fiancée. 9.2 The seller must regularise/remove any unauthorised renovation works found in the flat before the completion of the resale. If you are an applicant under the Fiancé/Fiancée Scheme, you must submit your marriage certificate to HDB within 3 months of taking possession of your resale flat. The buyer will also be responsible for any irregularity, including any unauthorised renovation works carried out by the seller in the flat, which may subsequently be discovered. Building Surveyor) at his own expense to help him in the checking. Option Period - 21 calendar days (including Sat/Sun & public holidays) after the Option Date. Note: If you have a child from the marriage and the child is a Singapore Citizen or Singapore Permanent Resident, you can buy a flat under the. You must submit your marriage certificate on or before the resale completion date; Consent of parents. The buyer will also, where relevant, be required to comply with the prevailing loan guidelines/policies/rules/directives of other relevant authorities (including but not limited to HDB). 1.3 The seller must register the Intent to Sell in the HDB Resale Portal at least seven (7) days before granting an Option to Purchase to the buyer. The eligibility conditions in the following table apply to all resale flat purchases. If your fiancé or fiancée is between 18 and 21 years old, his/ her parents must agree to the purchase. 14.4 The receipt by HDB of any money from any party shall not be deemed to be an approval for the resale. Submit your marriage certificate to us within 3 months from resale completion date; If applying for CPF Housing Grant. 4.4 HDB has the sole discretion to decide whether a valuation of the flat is required to confirm the value of the flat. 24.5 Where the buyer obtains a housing loan from HDB, he must insure the flat against the risk of fire with HDB’s appointed insurer for a sum not less than the amount determined by HDB. 4.2 Only the buyer who has been granted an Option to Purchase by the seller of the flat shall submit a Request for Value. 3.5 If the reason given for the difference between the declared resale price and the value of the flat is deemed not acceptable by HDB, HDB may withhold the acceptance of or cancel the resale application. 17 CANCELLATION OF RESALE APPLICATION BY SELLER/BUYER, Before Acceptance of Resale Application by HDB. Terms and Conditions - Sale and Purchase of An HDB Resale Flat. Focusing on nurturing a strong family and community spirit, public housing policies and schemes are formulated to meet changing needs and aspirations. 4.10 The value of the flat only applies to the Option to Purchase (referred to in clause 4.2) and is not valid for use in another resale transaction involving the same buyer under a different Option to Purchase for the same flat or another buyer of the flat, for which a new Request for Value must be submitted. 3.4 HDB may require the seller and/or the buyer to furnish a written explanation on the difference if the declared resale price is below the value of the flat as referred to in clause 4.1. 20.1 The buyer and seller must indicate their correspondence addresses and other contact information in the resale application form and also inform the HDB Resale Office if there are any subsequent changes. Find out more about the streamlined resale process with the HDB Resale Portal. The Housing & Development Board (HDB) is Singapore's public housing authority and a statutory board under the Ministry of National Development. Singapore Permanent Resident households are not allowed to rent out the whole flat even after the 5-year minimum occupation period has been met. The Housing & Development Board (HDB) is Singapore's public housing authority and a statutory board under the Ministry of National Development. HDB has the right to recall the housing loan if the buyer does not have a valid fire insurance on the flat for the duration of the housing loan. Subsidised Flat and Flat bought under CPF Housing Grant Scheme. Under the Lease, HDB flat owners are responsible for maintaining the fixtures and fittings, including windows of their flats in good working condition. 30.4 If the flat is the seller’s second subsidised flat, he may sell the flat to a buyer of his choice upon satisfying the Minimum Occupation Period of his flat. Resale Flat Purchased : Blk xxx Ang Mo Kio Ave 3, #xx-xxxx Singapore 560xxx Second Appointment Date : 20 Dec 04 We are supposed to produce the marriage certificate If there is any variation in the declared resale price, HDB has the right to reject or cancel the resale application. 7.1 The sellers and buyers have to submit their respective portion of the … 2 to 4 singles can jointly buy an HDB resale flat. parents) are not SCs or SPRs, you can buy an HDB resale flat under the Non-Citizen Family Scheme. The occupiers listed in the resale application are not allowed to use their CPF savings for the purchase of the flat. Student Pass or Letter from School/ College/ Institute of Learning for persons who are 18 years old and above. SPR Quota for Non-Malaysian SPR households: Neighbourhood: 5%. You can find out more about the types of HDB car parks, important car park information, and parking offences. All buyers who are buying the resale flat under the Fiance/Fiancee scheme must solemnise their marriage within 3 months after the resale completion. Please find the email i wrote to the HDB officer Dear Officer, We write in to request to defer to produce the ROM certificate. Resale Flat bought in the open market (without CPF Housing Grant). 30.2 HDB has the sole discretion to determine if the seller has satisfied the Minimum Occupation Period in accordance with the prevailing policies, rules and regulations. Casement windows are also required to comply with the Building Control (Retrofitting of Casement Windows) Order 2004. 26.3 The buyer must check the prevailing MAS loan guidelines/policies/rules/directives before applying for a loan from any bank or financial institution licensed by MAS to provide housing loans. 29.4 The buyer shall notify HDB and obtain its prior written consent from the respective HDB Branch before making any alterations or additions to the flat. 4.14 Any reference to working day means Monday to Friday, which is not a public holiday. (ii) where any party does not have such full power and capacity, HDB’s receipt of all documents (as may be required by HDB) appointing an attorney, donee, deputy, representative or personal representative to act on behalf of such party; (b) the seller rectifying all unauthorised alterations/additions in the flat; (c) the seller paying all outstanding taxes/charges, e.g. 7.3 If the seller who belongs to a non-Singapore citizen household (i.e. HDB has the absolute discretion to determine when the next Request for Value may be submitted. Whether you are buying, selling, or already living in an HDB flat, everything you need to know about residential properties is housed here. For resale applications received on or after 19 July 2005, HDB will give a loan of up to 90% of the market value or declared resale price of the adjoining flat (whichever is lower). 12.2 In the event of any dispute between the seller and buyer relating to any defects or maintenance faults in the flat, such a dispute has to be settled between the parties themselves and HDB will not, and will not accede to any request to, mediate in the dispute. on a caveat emptor basis. 1.3 The seller must reg… Any person who gives false information shall be guilty of an offence and shall be liable on conviction to a fine not exceeding $5,000 or to imprisonment for a term not exceeding 6 months or to both. 5.5 The acceptance of the resale application does not constitute an approval by HDB for the resale. You do not need to seek prior consent from the OA or the private trustee to be listed as an occupier of a flat. This is regardless whether they are applying for the CPF Housing Grant and/or the Proximity Housing Grant. There is so much in place for you to bond with your neighbours and create an active and cohesive community. After HDB’s Acceptance of Resale Application. You can submit an application, submit an online enquiry, or make an appointment with us. In addition, the buyer shall pay the Government Survey Fee (subject to the prevailing Goods and Services Tax), if any. a SPR household with no SC owner): All SPR owners and essential occupiers must have SPR status for 3 years before they can buy a resale flat. Upon repayment, the commercial interest rate* loan will be converted to a concessionary interest rate loan (if eligible). Your: If you are an unmarried parent and would like to buy a resale flat, please write to us via our e-Feedback Form. Where there are two or more buyers, the buyers must indicate in the resale application form whether they wish to hold the flat as Joint-Tenants or Tenants-in-Common. The Proximity Housing Grant helps those families who want to buy a resale 1.2 The seller must register an Intent to Sell and the buyer an Intent to Buy in the HDB Resale Portal (or any mode that HDB may introduce from time to time) before they proceed with the sale or purchase of the flat. The reason why this is so affordable is because it is (1) compulsory for those taking up HDB Loan and (2) does not provide coverage for home contents such as furniture, renovations and personal belongings. 13.1 If any person listed in the resale application form has any outstanding debts due and owing to HDB, such person shall be required to settle such debts and pay an administrative charge (to be determined at HDB’s discretion) before the resale application can be considered. (b) Subject to the prior written approval of HDB, the buyer, his spouse and other essential family members must physically and continuously occupy the flat for a 5-year minimum occupation period before he can apply to sell it in the open market or to rent out the whole flat. 1.1 The sale and purchase of an HDB flat (“the flat”) in the resale market shall be carried out according to the procedures and processes that HDB may determine from time to time. HDB | HDB Resale Portal. Welcome to the HDB Resale Portal. 4.13 The buyer and seller must comply with the requirements and procedures for the Request for Value as determined by HDB from time to time in accordance with the prevailing policies, rules and regulations. (ii) full utilisation of CPF (subject to the retention amount as stated in clause 24.3) will be required at the point of loan disbursement. 12.1 The buyer is deemed to purchase the flat with full notice and knowledge of the state and condition of the flat (including maintenance faults such as ceiling leak, cracks, etc.) RESALE APPLICATION. In general, there must be at least 1 Singapore Citizen or 2 Singapore Permanent Residents listed in the flat application. 31.2 The payment of the resale levy is based on the prevailing rules, policies and procedures as determined by HDB from time to time. 1 The Terms and Conditions of Sale and Purchase of an HDB Resale Flat contained in this form are valid at the time of update and are subject to HDB’s prevailing policies, rules and regulations. 31.1 If the flat is the seller’s first subsidised flat or a flat bought under the CPF Housing Grant Scheme, he is eligible to sell his flat to a buyer of his choice subject to HDB’s approval. (solemnise their marriage) All buyers who are buying the resale flat under the Fiance/Fiancee scheme must solemnise their marriage within 3 months after the resale completion. This is to enable us to serve you in the most convenient, efficient and effective way. You and all the co-applicants must be SCs. Note:If the pass expires during the transaction to buy a resale flat, it must be renewed and valid at the time you complete the resale flat purchase. More than homes, our HDB towns are vibrant places to enjoy to the fullest. Submit a photocopy of your marriage certificate to us within 3 months from the resale completion date, if your marriage is registered overseas Consent of parents If your fiancé or fiancée is between 18 and 21 years old, his/ her parents must agree to the purchase. If the buyer and/or his spouse's/fiancé's/fiancée's still own the existing flat(s), a commercial interest rate* loan will be granted subject to the following conditions: (i) HDB will require all the owners to sell/dispose of the existing flat(s) as well as to sign an agreement to use the CPF monies refunded and part of the cash proceeds from the sale/disposal of all existing flats to partially/fully redeem the commercial interest rate* loan granted to the buyer for the next flat. If you and your sibling(s) are orphans and single (i.e. 15.3 HDB’s approval for resale is granted subject to:-, (a) (i) HDB’s satisfaction that all parties have full power and capacity to enter into and complete the resale transaction and to do all such acts and sign all documents, instruments and letters relating to the resale transaction; or. Please refer to the individual schemes for information on the following criteria: There is no income ceiling for buying an HDB resale flat. The buyer must also agree to HDB’s contractors entering into the flat whenever needed to execute all the necessary works, including constructing lift shafts and building construction buffers around the lift shafts which HDB would only dismantle when HDB deems they are no longer necessary. 21.9 For the Ethnic Integration Policy, the ethnic classification of the buyer’s household at the point of flat purchase will remain unchanged when he sells the flat. Both the seller and buyer shall rectify the damage to HDB’s satisfaction. HDB shall not be responsible or liable to any party for any action, proceeding, claim, demand, liability, loss, charge, damage, cost and/or expense which may be brought against, become payable by and/or incurred by any party arising from or in relation to the cancellation or postponement (as the case may be). Completing the process has never been easier. To maintain the aesthetic appearance of each development and to be in line with URA’s Gross Floor Area (GFA) Incentive Scheme, specific renovation restrictions apply to DBSS flats. 13.2 HDB has the right to deduct from the sale proceeds all ex-tenancy and other arrears/debts and taxes (including income or property taxes) and administrative charges owing to HDB or other government authorities by the seller in respect of any of HDB’s properties even if such arrears/debts/charges do not relate to the flat. The first thing you need to know about owning your own HDB flat is your options. (b) the required information and documents are not submitted within the timeframe as requested by HDB; or for any reason HDB may decide at its sole discretion. Transact with us at your convenience. 4.12 If there is a valuation, HDB retains all rights to the valuation and any resulting valuation report. In the event of non-payment, HDB may also compulsorily acquire the next flat under the provisions of the Housing & Development Act. (g) The buyer, his spouse and other essential family members cannot submit or be included in an application to purchase another flat directly from the HDB or a new Executive Condominium from a Developer during the 5-year minimum occupation period. Heartland Boy is paying $4.50 for a 5-year premium. 26.2 The buyer has to comply with the prevailing MAS loan guidelines/policies/rules/directives in respect of all aspects of the bank loan taken to finance the flat including (but not limited to) their guidelines on loan tenure, Loan-to-Value (LTV) limit, minimum cash payment and all other terms related to the bank loan. In the event the resale is aborted or where HDB is discharged from further acting in the resale, the seller and buyer shall each be liable to pay half the conveyancing fees. 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