HDB Selling Tips: 4 Tips to Ensure a Fast & Smooth Transaction

Before you put your HDB on the market for sale, go through these 4 selling tips for a better seller’s experience.


     Table of Content

  • Tip 1: What is Sold “As-Is””?
  • Tip 2: Bank Loans Matters
  • Tip 3: Bargain Up with “Intangibles”
  • Tip 4: Declutter is Easier than Home-Staging


📌Tip 1: What is Sold “As-Is”?

  • When you sell the property “as-is”, it means that the buyer must be willing to accept the home in its current condition.
  • The sellers do not need to make any repairs or alterations to the property.
  • Some sellers will choose to inform the buyers that certain fixtures are not working well to avoid any future disputes.
  • Normally, all fixtures will be included as part of the sale.
  • Fixtures are generally “screwed-in” items and they cannot be easily removed without hacking
  • If you have items like the antique ceiling lamp or Wall-Mount TV that you wanted, remember to inform the buyers before Option to Purchase (OTP) is issued to avoid misunderstandings

📌Tip 2: Bank Loans Matters

  • If you have a bank loan, call the banks to see if there will be any prepayment penalties.
  • For private properties, banks may impose a penalty (usually 1.5%) if you fully redeem your loan during the lock-in period.
  • Note that there will be no prepayment penalties for HDB loans.
  • For those who chose to buy the replacement home first before selling your first home, your maximum loan amount will be limited to 45% of property value
selling tips

📌Tip 3: Bargain Up with “Intangibles”

  • Sellers tend to base their asking prices on unit conditions and locations etc.
  • “Intangibles” like Enhanced Contra facility for buyers, Sellers do not need Extension-of-Stay etc., are often overlooked
  • These are valuable bargaining chips when you are negotiating prices with buyers who need the above concessions. 

📌Tip 4: Declutter is Easier than Home-Staging

  • Home Staging is commonly proposed by property agents.
  • Personally, I feel home-staging is more suitable for vacant units.
  • This rented hardware will bring much inconveniences to you and family
  • Decluttering the entire house will be an easier option.
  • Keep the unit neat and tidy. Fix the spots that seems like an eye sore.
  • Replace faulty light bulbs to ensure adequate brightness.
  • Most importantly, remove unwanted items to make your unit look more spacious.
selling tips
Before Declutter
selling tips
After Declutter

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Dennis Lim

Dennis has more than a decade of experience investing in real estate. Like many fellow Singaporeans, he grew up in a HDB flat with dreams to live in a condominium. Through careful financial planning & hardwork, this became a reality when he was 30. He now owns 3 private properties in Singapore and has helped hundreds of Singaporeans to achieve their goal of upgrading their homes in land-scarce Singapore.

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