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If you have bought a subsidised housing, you must pay a resale levy when you are listed as a core applicant or core occupier in a flat application to buy a second subsidised flat.

A subsidised housing is:
- A flat bought from HDB
- A resale flat bought WITH CPF housing grant(s)
- Other forms of housing subsidy, e.g. enjoyed benefits under the Selective En bloc Redevelopment Scheme (SERS), privatisation of HUDC estate etc.

If you do not intend to buy a second subsidised flat from HDB, i.e., you are buying a resale flat or private residential property, you need not pay the resale levy.

I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy.

Would be happy to guide you through this transition period and explore together what resale options you might consider for your next housing arrangement.

I can help with sourcing, viewing, own-stay & investment analysis, market comparatives, timeline planning, safe entry pricing and more. Feel free to reach out!

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

You may need to retain part of your sales proceeds from the BTO to finance the next purchase and depending on whether you are purchasing BTO or resale market, with or without grant, resale levy may apply. Read More

Good Day!

If you are buying a resale hdb without any grants , you do not need to pay resale levy.

I love to assist you on your home purchase!
pls contact me at 81027317 

Cheers, Anthea Read More

Hi there,
Short answer, no resale levy for buying a resale HDB flat, regardless of whether you take HDB loan or bank loan.

Resale levy only applies if you are buying another subsidised flat from HDB, like a new BTO or SBF. Since you mentioned you’re going for a resale, you’re not hit by the levy. Just take note you’ll still need to meet eligibility and financing criteria as a single buyer, including loan assessment and remaining lease considerations.

If you’d like, I can run through your numbers and eligibility so you enter the market with confidence.
Aren Goh, PropNex
 9657 6701  Read More

Good day to you.

You must use 50% of your cash proceeds alongside your available CPF OA funds before you qualify to access your second HDB loan. A resale levy is applicable if you acquire your second subsidized unit.

How about connecting and collaborating to find a solution together?

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