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Hi! Yes you absolutely can rent out your HDB without an agent — it is entirely legal and possible. Let me break down the costs honestly for you.

Yes You Can DIY — Here Are the Costs Involved:
1. HDB Approval Application:

Mandatory before renting out — apply at www.hdb.gov.sg
Application fee — $20 per application
Approval is typically granted within 7 working days if all documents are in order

2. Listing and Advertising Costs:

PropertyGuru — paid credits required, typically $50 to $150 per listing depending on package
99.co — similar paid listing structure
Facebook rental groups — free but less targeted
Carousell — free listing option available

3. Tenancy Agreement:

You can download a standard template online for free
However having a lawyer draft or vet it properly costs approximately $200 to $500
Strongly recommended to protect yourself legally as landlord

4. Stamp Duty — Mandatory:

Must be paid within 14 days of signing tenancy agreement
Calculated at 0.4% of total rent for lease duration
Example — $2,000/month on a 1 year lease = $24,000 total rent = approximately $96 stamp duty
Done online via IRAS e-Stamping portal

5. Miscellaneous:

Inventory list preparation — free if done yourself
Professional photography — optional but recommended, approximately $100 to $200

Total Estimated DIY Cost:
Approximately $300 to $600 depending on whether you engage a lawyer for the tenancy agreement and which listing platforms you use.
What You Give Up Going DIY:

No tenant screening — you handle all enquiries yourself including time wasters
No negotiation buffer — tenants negotiate directly with you
Legal risk if tenancy agreement is not properly drafted
Time spent on viewings and follow ups

My Honest Take:
For a whole unit rental, engaging an agent at one month commission paid only upon success is often worth it — the tenant quality, legal protection and time saved usually justifies the cost. For a room rental the DIY route is more manageable.
Are you looking to rent out a whole unit or just a room? Happy to advise further based on your specific situation! Read More

You can lease without agent but you are unable to advertise on PropertyGuru as a direct owner.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 15,900 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Deputy Branch Associate Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore

Pick up knowledge, skills and Real Estate concepts at https://www.facebook.com/RealEstateXcellence/

New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/

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Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, sure you can try listing on other portal like the Gumtree as well as Facebook and it is free.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

hi,

PropertyGuru only permits registered agents with subscriptions to list units for rent or sale on their portal. I can assist you in finding the right tenant. Please refer to my testimonials below for your consideration.

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

Testimonial from Satisfied Clients
--Jenny was honestly everything I could have hoped for in a real estate agent. She helped me sell my house and also found me a great new property, and I always felt she was genuinely looking out for me throughout the process.
What I appreciated most was that she was honest, trustworthy, and very reliable. She was always responsive, explained things clearly, and gave practical advice rather than just pushing for a quick deal. She also had a really good analytical eye — whether it was pricing, timing the sale, comparing different properties, or thinking through the numbers, she helped me make decisions with confidence.
She really went the extra mile, from handling the small details to guiding me through negotiations and making the whole process much less stressful. I’m very grateful for her help and would highly recommend her to anyone looking for an agent who is professional, sharp, and genuinely cares--
Mr Ho (Resale condo seller/buyer)

-- My husband and I wish to commend the sincere attitude and good customer service rendered by your staff Jenny, who handled the sale of our 5R HDB flat early this year. We have met several agents but none as genuine as Jenny. Being a seller agent, she took our interest at heart in handling the sale, unlike other agents who are self-interest. Jenny is punctual and prompt in the whole dealings and we were convinced that such an agent is hard for find nowadays. Jenny is a trustworthy, honest, sincere and hardworking agent. We are happy with her service and would gladly recommend her to our friends in future. Jenny is an asset to Propnex and the organisation should value her. Thank you Jenny for her efforts--
Mr and Mrs Soo (HDB seller)

--Jenny is very committed and responsive to her clients and she has spent hours updating them and looking out for great deals and even tailor-made property proposal geared towards their needs. Will certainly refer her to others and will definitely approach her again in her future--
Nick and Kim (New launch buyer)

--Jenny did a great job helping my wife and I sell our unit. She took active steps to walk our neighbourhood to understand what she was marketing. During the marketing period, she managed potential buyers and provided timely updates and recommendations so we could stay on top of the process. Overall, Jenny was professional and helped us to achieve a positive result which we are very thankful for--
Aaron ( HDB seller)

--Jenny was very passionate and went the extra miles to help. Thanks to her professional advice and recommendations, I had finally found my dream home--
Yvonne (New launch buyer) Read More

I would be glad to assist you.
Feel free to contact me at
wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

(✔1) Direct owners can lease out their property, but are not allowed to advertise listings on PropertyGuru without an agent subscription

(✔2) PropertyGuru listing access is restricted to registered agents who hold active paid subscriptions

(✔3) Assistance is available to help match suitable tenants and manage the rental process effectively

“Coming together is a beginning, staying together is progress, and working together is success.” — Henry Ford
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.
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IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.
WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255  , Property Agent (Director ) or via this link:
https://wa.me/6598569255
Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.
✔✔✔You can READ my REVIEWS here:Able S K Toh
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如需房产相关协助，
包括出租、出售、购买或投资，
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Yes you can! The main cost would be the costs related to securing a tenant.

You can choose to advertise on alternative platforms that allow owners to list directly (e.g. social media), run the viewings yourself, draft the related tenancy contracts yourself and file the required government paperwork for rentals at the appropriate time.

All the best!

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More