Unsure about the process? Read up on the full HDB resale journey before attempting this planner — so your timelines are grounded in what actually happens at each stage.
Why This Matters: Timing your CPF refund is crucial. Many sellers find themselves without sufficient CPF Ordinary Account (OA) funds for their next purchase because CPF refunds are only credited after the completion of their HDB sale. Without proper planning, you may need temporary financing, such as a bridging loan (which incurs additional interest), or risk delays if the Enhanced Contra Facility is not applicable. This planner helps you align your selling and buying timelines based on estimated HDB processing periods.
⚠️ Important Disclaimer: These are estimated timelines based on standard HDB procedures. Actual dates vary due to document completeness, HDB processing speed, loan approvals, and unforeseen delays. Always confirm with your lawyer and HDB.
Official intent to sell registration with HDB. 7-day cooling period begins here before OTP can be issued.
Stipulated 7-Day Cooling Period: HDB requires a mandatory 7-day waiting period after registering Intent to Sell before you can issue OTP. Select any date from 7 days onwards.
Buyer exercises within 21 days of OTP Issue
21 days30 days90 days
📋 Seller & Buyer Agreement
Both parties must submit within 7 days of each other. Last day to submit: —.
📅 Selling Timeline
← Enter Intent to Sell Date to start
🏠 Buying Timeline
Enter Buying OTP Acceptance Date to view timeline →
🏠 Buying
⚠️ HFE should be valid at the point of resale submission.
Date you receive the OTP from seller.
Exercise within 21 days of OTP Acceptance.
21 days30 days90 days
📋 Seller & Buyer Agreement
Both parties must submit within 7 days of each other. Last day to submit: —.
HDB Sell & Buy Timeline — HDB to Resale HDB
📋 Selling Timeline
Official intent to sell registration with HDB. 7-day cooling period begins here before OTP can be issued.
Stipulated 7-Day Cooling Period: HDB requires a mandatory 7-day waiting period after registering Intent to Sell before you can issue OTP.
Buyer exercises within 21 days of OTP Issue
21 days30 days90 days
📋 Seller & Buyer Agreement
Both parties must submit within 7 days of each other. Last day to submit: —.
📅 Selling Timeline
🏠 Buying Timeline
🏠 Buying Inputs
1 day7 days30 days
Buying OTP Received: — Last day to exercise: —
21 days30 days90 days
📋 Seller & Buyer Agreement
Both parties must submit within 7 days of each other. Last day to submit: —.
🏙️
HDB to Private
A planner for upgrading from HDB to private property is coming soon. This will include ABSD timelines, decoupling considerations, and private property completion milestones.
Disclaimer: Timeline estimates based on standard HDB procedures. Actual dates vary by HDB processing, documents, loans, and approvals. CPF refunds are only credited after completion of your HDB sale — poor timing may require bridging loans. Always confirm with your lawyer and HDB. No liability is accepted for any loss arising from reliance on this planner.
