HDB resale, answered

We study the last three to six months of transacted prices for your block, floor band and flat type, then weigh your renovation, view, floor level and remaining lease. You get a realistic asking-versus-likely-transacted range we can defend — not a flattering number to win your listing. The valuation visit is free and carries no obligation to list with us.

COV is the cash a buyer pays above HDB’s official valuation. It has returned in tight, well-loved estates while staying near zero elsewhere, so it depends heavily on your block and flat. You will get a straight read from us on whether your flat is a COV story, because pricing for a premium the market will not pay only costs you weeks on the market.

Your cash proceeds are your sale price minus your outstanding HDB loan minus the CPF you used to buy the flat plus its accrued interest. Any housing grant also returns to CPF, not to you. Our Resale Proceeds Estimator on this site gives you an indicative figure in seconds, and we sharpen it with your real CPF and loan numbers during a proceeds-planning session.

When you used CPF to buy your flat, that money has to go back into your CPF account when you sell — together with the interest it would have earned had it stayed there (accrued interest). It is not lost; it sits in your CPF for your next home or retirement. But it does mean the cash that reaches your bank is often smaller than owners expect, which is exactly why we plan it early.

Yes — sequencing is the hard part of upgrading and it is most of what we do. We map your sale and purchase onto one calendar, usually selling first to know your real proceeds, then negotiating a completion date and extension of stay so you are not homeless or double-paying in between. Where a short overlap is unavoidable we discuss bridging options honestly.

We focus on Tampines, Punggol, Ang Mo Kio, Sengkang, Bedok and Hougang, with our home base near Tampines Hub and a by-appointment office in Punggol. Staying close to a handful of towns is deliberate — it means we know the blocks, the buyers and the price movements far better than an agent covering the whole island.

The valuation visit and a first proceeds estimate are free. On most buyer searches there is no fee to you as the buyer, as the seller’s side typically pays commission. Who pays what is spelled out plainly before anything is signed — no vague arrangements.

That is completely fine, and common. Many owners take the free valuation and proceeds read, think it over for months, and come back when the timing suits their family or the market. We would rather you sell at the right time than be rushed into the wrong one — there is no pressure to list at the end of a session.

Homeground operates under CEA registration in Singapore and our lead consultant Marcus Lim is a licensed salesperson (CEA Reg. No. R0 58 412 H). We handle your enquiry, CPF and valuation details in line with the Personal Data Protection Act (PDPA), use them only to help with your property, and never sell your information.