Question 1

What is the MOP for HDB flats in Singapore?

Accepted Answer

The Minimum Occupation Period (MOP) for HDB flats is 5 years from the date of key collection. You cannot sell your flat on the open market before completing the MOP.

Question 2

How do I calculate my HDB net proceeds after selling?

Accepted Answer

Your net proceeds = Sale price minus CPF refund (principal + accrued interest at 2.5% p.a.) minus agent fee (typically 1%) minus legal fees (est. S$2,800) minus outstanding loan. Our calculator does this instantly.

Question 3

How much CPF do I have to return when I sell my HDB?

Accepted Answer

You must refund all CPF principal withdrawn for the flat plus accrued interest at 2.5% per annum. This goes back into your CPF OA account, not lost — you can use it for your next property.

Question 4

Can I upgrade from HDB to a condo after selling?

Accepted Answer

Yes, once your MOP is fulfilled you can sell your HDB and upgrade to a private condo, executive condominium (EC), or landed property. Our calculator shows your estimated net proceeds and upgrade options based on your flat type.

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