Selling

Sell your home in Singapore at a price you can defend

Q: How long does it take to sell an HDB flat?

Typically two to four months from listing to completion: several weeks to secure a buyer at the right price, then roughly eight weeks from HDB's acceptance of the resale application to the completion appointment. Pricing realistically from day one is the biggest factor in the overall timeline.

Q: What does it cost to sell a home in Singapore?

Main costs are agent commission (agreed in writing, typically a percentage of the sale price), legal/conveyancing fees, and for private property sold within four years of purchase, Seller's Stamp Duty. HDB sellers should also budget for the CPF refund with accrued interest, which reduces cash proceeds rather than being a cost.

Q: Should I renovate before selling?

Usually no major renovation — buyers often re-do interiors anyway. Small fixes (lighting, paint touch-ups, decluttering, minor repairs) typically return more than large works. I advise sellers item by item on what is worth doing for their specific unit.

For HDB and private owners in Jurong, Clementi, Bukit Batok, Bukit Panjang, Choa Chu Kang and nearby. Evidence-based pricing, managed viewings, and negotiation that works for you — not for a quick close.

Start with a pricing chat Read the selling guide first

Quick answer

Geraldine Koh represents HDB and private sellers across Singapore. The service covers pricing based on recent transactions in your block, preparation advice, portal marketing, managed viewings with honest feedback, negotiation and completion paperwork. A typical HDB sale takes two to four months end to end; the first pricing conversation is free.

Where sellers lose money

After watching many family sales unfold, the pattern is consistent. Sellers rarely lose money on commission — they lose it in these three places:

Overpricing at launch. The first two to three weeks attract the most attention a listing will ever get. Price above the evidence and that window passes quietly; the eventual correction often lands below where a realistic launch price would have.
Unprepared viewings. Buyers decide in minutes. Poor lighting, clutter, and unexplained defects invite low offers even when the flat itself is good.
Weak negotiation posture. Accepting the first workable offer because "the buyer might disappear" — without testing it — regularly leaves five figures on the table.

What you get from me

A written pricing opinion with the transaction evidence attached — you see exactly what I'm basing the number on
Item-by-item preparation advice: what to fix, what to leave
Professional photography and listings on the major portals
Viewings I run personally, with buyer feedback relayed to you unfiltered
Offer management: every offer presented, with my honest read on it
Paperwork through to completion — OTP, resale application or conveyancing coordination

Geraldine's note If your flat is worth $650,000, I'll tell you it's worth $650,000 — not $700,000 to win your listing. An honest number at the start is the single biggest favour an agent can do you.

A typical HDB sale, week by week

Private sales follow a similar arc with conveyancing in place of the HDB resale process. Timings vary with market conditions and pricing.

Stage	Typical timing	What happens
Preparation	Week 0–1	Register Intent to Sell with HDB, pricing review, photos, small fixes
Marketing & viewings	Week 1–6	Portal listings live, viewings run, feedback and offers reported weekly
Offer & OTP	When the right offer lands	Negotiation, Option to Purchase granted, buyer exercises OTP
Resale application	After OTP exercised	Both parties submit to HDB; HDB verifies and accepts
Completion	~8 weeks after HDB acceptance	Completion appointment, keys handed over, proceeds and CPF refund settled

Timeline stages per HDB's published resale process; the ~8-week completion window follows HDB's acceptance of the resale application. Verified July 2026 — see the full selling guide for sources.

Selling questions, answered

How long does it take to sell an HDB flat?

Typically two to four months end to end: several weeks to secure the right buyer, then roughly eight weeks from HDB's acceptance of the resale application to completion. Realistic pricing from day one is the biggest factor — overpriced listings sit, then sell below where they should have.

What does it cost to sell?

Main items: agent commission (agreed in writing before listing), legal or conveyancing fees, and — for private property sold within four years of purchase — Seller's Stamp Duty. HDB sellers also refund CPF used plus accrued interest, which shifts proceeds from cash back to CPF rather than being a true cost. I provide a full proceeds estimate before you commit to selling.

Should I renovate before selling?

Almost never a full renovation — most buyers redo interiors to their own taste, so big spends rarely return their cost. Lighting, paint touch-ups, decluttering and fixing visible defects usually deliver the best return. I'll walk your unit and tell you specifically what's worth doing.

Can you coordinate my sale with my next purchase?

Yes — that's the heart of my HDB upgrading service. The sequencing affects ABSD, CPF refund timing and whether you need bridging finance, so the two transactions should be planned as one.

Curious what your home could sell for?

Send me your block and unit type on WhatsApp. You'll get an honest pricing view based on recent transactions — no obligation to list.

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