AskGuru Q&A Community

Sure, that's completely possible. As a direct owner, you can skip the step of going through the professional real estate qualifications and attempt to market your own property.

The first step is to familiarize yourself with the HDB sale and purchase process so can navigate the necessary policy guidelines and requirements when it comes to selling and buying HDBs.

Second step if you wish to use PropertyGuru is to sign up for an account to post your property, which will cost about $5,000-25,000, and decide how much extra money you want to pump into marketing expenses to attract buyers for your home.

If you decide to utilize an agent, I'll happy to support as your seller agent too. I support sellers on professional photography, staging, multi-pronged marketing, deriving selling angles, professional research, listing, negotiation and more. These important aspects help owners get a much higher price for their HDBs in the resale market.

The current market is no longer in a frenzied state where sellers can just advertise their properties without professional strategy and expect buyers to flock down.

If you're trying to get the highest prices, why not engage the most qualified agent to support? Based on experience, many similar units transact for drastic price differences, influenced by whether the seller DIY, choose an average agent, or choose a professional agent.

I'm a Harvard graduated real estate agent with a degree in economics, and have supported clients on more than $1 billion in transactions.

Feel free to reach out if you need support or advise!

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

Hi, appreciate your sharing over PropertyGuru, yes you can. Welcome any help to assist you anytime

Looking forward to assist you at WhatsApp +65 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart Lim
PropNex Senior Associate Division Director Read More

(A) SELLING YOURSELF (DIRECT OWNER)

A1 Save on ~2% commission
A2 Full control over price & decisions
A3 Flexible timing for viewings
A4 More effort (marketing, paperwork, dealing with buyers)
A5 May take longer / risk pricing wrongly

---

### (B) USING PROPERTY AGENT)

B1 Wider exposure (PropertyGuru, network, database)
B2 Handles paperwork & HDB process smoothly
B3 Stronger negotiation (can justify higher price)
B4 Saves time & reduces stress
B5 Cost: ~2% commission

---

### (C) FINAL THOUGHT

C1 If you are confident, patient & want to save money → try DIY
C2 If you want speed, convenience & higher probability of closing → agent helps
C3 Market knowledge & negotiation make a real difference

Try selling yourself first if you want, but if it gets tough, remember you have me

“Opportunities don't happen. You create them.” — Chris Grosser
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

-----------------------99Years------------------------999Years---------------------->>>

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

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

For PRIVATE HOME BUYERS

✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge

✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents

DEVELOPER SALES TEAM

✔✔ BEST PRICES ✔✔ NO AGENT FEES

✔✔ LOWEST PRICE GUARANTEED

For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.

✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255  , Property Agent (Director )

✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com

---///------
CHINESE VERSION // 中文版本

如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。

✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255 
WhatsApp：https://wa.me/6598569255

✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

私人住宅买家服务
✔✔ 协助转售及新私人住宅
✔✔ 买家无需中介费

发展商销售团队
✔✔ 最优惠价格
✔✔ 无中介费
✔✔ 保证最低价

新推出私人公寓资料、电子手册、户型图及价格表，
欢迎随时联系。

✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255
✔✔ 电子邮箱：Able.selling@gmail.com

--------------- 结束 / The END ------------------ Read More

Yes, you can, but you cannot advertise on PropertyGuru as an owner. Only licensed realtors in Singapore with paid subscription can put up advertisements on PropertyGuru.

Not sure exactly why you want to go through the hassle on your own to save the commission when the commission is only payable when there is a successful transaction, meaning that this amount can be built into the selling price.

——

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

-----

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/

-----
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

Good day to you.

The HDB resale submission platform has been designed to be user-friendly, allowing DIY buyers and sellers to navigate the process with ease. Sellers can utilize free digital advertising platforms to enhance visibility for their listings, ensuring they reach a wider audience.

With the comprehensive knowledge available about the HDB resale market and the tips provided, selling your unit should be a straightforward task. However, your decision to post an inquiry here suggests that you may be encountering challenges that you need assistance with. It's important to note that any oversight in this process can lead to high costs and delays.

If you believe that additional support could be beneficial, please feel free to reach out.

Navigating a property transaction can feel overwhelming, especially when it intersects with major life events.
With over 15 years of experience as a property consultant, my role goes beyond market knowledge — it is to provide clarity, structure, and peace of mind through complex decisions.

I regularly assist clients with sensitive and non-standard situations, including:
• Divorce & Asset Settlement — guiding parties toward fair, practical outcomes for shared properties
• Intestate & Estate Planning — helping families navigate inherited property and future planning with confidence
• Complex Property Matters — including cases involving Lasting Power of Attorney, bankruptcy, or special circumstances

If you’re seeking clarity rather than pressure, I’m happy to have a conversation to understand your situation and outline possible next steps.

Mike Lim
CEA Reg No: R026708F | ERA
WhatsApp: https://wa.me/message/VCDD3MUYRD3JP1
Email: m52i@yahoo.com

If you’d like short, educational breakdowns on common property questions, you may also find these helpful:
YouTube: https://www.youtube.com/@SGHomeCompass
Instagram: https://instagram.com/SGHomeCompass 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 it is possible to DIY too.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.c 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 it is possible.

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 buyer. 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
-- 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)

--Appreciate Jenny's clear and prompt communication style with us and other stakeholders. She was also patient and client-centered throughout the process of finding a home that met our criteria. As a first-time home buyer, we appreciate how she went out of her way to explain the process and answer questions we had--
Samantha (Resale condo 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

Good evening!

sure you can! Feel free to reach out to me to guide you along ! Cheers!

Anthea, Propnex Read More

 81027317  Read More

Yes, you can sell your HDB flat on your own without engaging an agent. Quite a few owners do this, just need to be prepared to handle everything yourself.

Here’s a clear breakdown so you know what you’re taking on:

⸻

1) You’re allowed to DIY sell

HDB does not require you to use an agent.
You can:
• List your flat online (99.co, Carousell, Facebook, etc.)
• Handle enquiries, viewings, and negotiation yourself

⸻

2) Key steps you must handle

a) Register Intent to Sell
• Do this via HDB portal before you start marketing

b) Pricing your flat
• Check recent transacted prices in your block/nearby
• Don’t just follow asking prices, look at actual deals

c) Marketing & viewings
• Take proper photos
• Write a clear listing (size, facing, condition, nearby MRT, etc.)
• Arrange and conduct viewings

d) Negotiation
• Agree on price, timeline, and terms with buyer

e) Option to Purchase (OTP)
• Issue OTP to buyer (option fee typically $1K–$5K)
• Buyer exercises within 21 days

f) Submit resale application
• Both parties submit via HDB portal
• HDB will process and schedule completion

⸻

3) What you must be careful about

This is where most DIY sellers slip:
• ❗ Pricing wrongly → either undersell or stuck with no buyers
• ❗ Paperwork errors → OTP terms, timelines, extensions
• ❗ Buyer eligibility → must ensure buyer qualifies under HDB rules
• ❗ Negotiation traps → buyers pushing for unrealistic terms
• ❗ Timeline mismatch → especially if you’re buying next property

⸻

4) Costs you save vs risks

You save:
• ~2% agent commission

But you take on:
• Pricing strategy
• Legal coordination
• Buyer screening
• Negotiation pressure

⸻

5) When DIY makes sense

✔ You already have a buyer
✔ You’re not in a rush
✔ You understand HDB process well

6) When agent actually helps a lot

✔ Need highest possible price
✔ Complex timeline (buy & sell)
✔ Not confident handling negotiation
✔ Want less stress / time saving

⸻

Simple truth

Selling yourself is doable.
But the gap between an average price and a well-negotiated price can sometimes be more than the commission saved.

⸻

If you want, tell me:
• your block + flat type
• rough condition

I can give you a realistic pricing range + how to position your unit so you don’t leave money on the table, whether you DIY or not. Read More

Hi Mr Ong,

You may want to engage an experienced salesperson so that you can leverage on his or her skills and network to achieve the highest possible price for your property.

If your intention is to save the commission, I can assure you that getting an experienced salesperson to market the property for you will get you a higher price and you will benefit more than the commission saved.

Please feel free to contact me so that I can share with you more about my track records and more importantly the marketing plan and strategies that have enabled me to deliver record-high prices for my clients consistently.

Regards,
Nick Tan
(M) +65 96 44 48 54
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com

SEAA Salespersons Achievement Platinum Award 2020/2022/2023/2025

WhatsApp: https://wa.me/qr/X6VRPGSSIHN5D1

Visit my website to get to know me better:
www.nicktan.com.sg

I was featured recently on Council for Estate Agencies (CEA) Newsletter:
http://bit.ly/CEAnews

Testimonial from my Clients

I would like to express my sincere appreciation for the excellent work you have done in managing both the sale and purchase of my condominium.
Throughout the entire process, you demonstrated strong market knowledge, professionalism and attention to detail. Your clear guidance at each stage — from pricing strategy and marketing, to viewings, negotiations and completion — gave me confidence and made what could have been a stressful experience very smooth and well managed. I am especially grateful for the way you coordinated the timelines between the sale and the new purchase, ensuring everything proceeded seamlessly. Your responsiveness and willingness to address my questions promptly were greatly appreciated. Thank you once again for your dedication and support. I am very pleased with the outcome and would be glad to recommend your services to others seeking a reliable and professional housing agent.
Jane Chng (Homeowner and Investor) 2026

Nick is THE absolute best agent, guide to navigating the property market in Singapore. From selling to buying, he manages to get the absolute highest when selling and negotiators to the absolute lowest when purchasing. (So double win for me!). In fact, I bought my new home at the absolute lowest transaction across all the transacting homes. Most agents would just give vanilla advice, he puts scrutiny into every potential choice we were making by advising potential gains, rental yields, back up plans. I think we went through a whole list of more than 20 + before narrowing down to a few high potential properties! Super responsive to our questions and handheld us through the process and even answered questions in the middle of the night. Would absolutely recommend working with Nick for anyone looking to buy, sell or just advice!
Kenneth (Seller and Buyer) 2025

Nick was introduced to me by a friend who learned that my previous property agent wasn’t meeting my expectations. During our first phone call, Nick quickly grasped my concerns and provided a detailed financial plan the next day. Since switching to Nick, selling my house has been much more relaxed. His virtual tour and informative fact sheet eliminated the need for my family and me to be constantly present for viewings by unsuitable buyers.
Nick was invaluable in purchasing my next property. He sourced units within my budget and analysed price trends of condo projects I was interested in. With Nick’s assistance, the buying process was seamless, and he expertly coordinated the sale of my current unit with the purchase of the next. Kudos to Nick for his outstanding service and advice!
Eileen Chen (Seller) 2024

During Nick’s presentation to us, he showed confidence and resourcefulness. He showed us his various methods of reaching out to potential buyers instead of just relying on Propertyguru. He also saw the potential of our home to sell at our projected price. Where other agents deem impossible to achieve, he did his analysis and deems Read More

Hi,

1) I believed you already read through all the responses within this post.
2) Theoritically, you can do the selling by yourself. Even the HDB support this by launching a listing platform within the HDB web.
3) However, I must bring you back to reality. The decision on having a listing platform is definitely not an action raised from the bottom.
4) The higher management is doing so to show that HDB support seller doing their own selling. They didn't know the consequences.
5) All sellers except those working in real estate, won't keep up to the current market. So, it is either listed too high price or too low price.
6) Both pricing will hurt the seller. Asking too high, no viewers = no buyers. Asking too low, the sellers lost an opportunity to cash out from what they deserved.
7) The other situation is selling does not means it solve the sellers' problem.
8) Not all situation that a person encountered equates to selling.
9) Most agent (although not all) will do an assessment to determine whether sellers are fit to proceed with the selling.
10) Although you might feel that only you know whether it is right to sell. But, under some condition, selling is not the best option.
11) A final advice is it is better to seek an opinion from a real estate agent before you decide whether to engage an agent or DIY selling.
12) By the way, it is harmless and at zero cost doing so. You just need to spent some time talking to a professional.

All The Best!!!

Hope the above answers your main concerns, but if there are more queries, please feel free to contact me at 90110636  or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/ Read More

Hi,

Yes, you can sell your HDB flat on your own
However, many owners later realise that the key challenge is not the or process, but pricing the unit correctly, attracting serious buyers, and negotiating the best possible price.

In today’s market, a small difference in strategy can make a significant difference in the final selling price.

I’d be happy to share a quick overview of your unit’s current market value and how you can maximise your selling price, so you can decide what works best for you.

Regards
Kumar

???? +65 9069 1801 
???? WhatsApp: https://wa.me/6590691801 Read More

✔1 For leasing services, the typical commission is 0.5 month’s rent + 9% GST for a 1-year lease

✔2 For a 2-year lease, the commission is usually 1 month’s rent + 9% GST
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

-----------------------99Years------------------------999Years---------------------->>>

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

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

For PRIVATE HOME BUYERS

✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge

✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents

DEVELOPER SALES TEAM

✔✔ BEST PRICES ✔✔ NO AGENT FEES

✔✔ LOWEST PRICE GUARANTEED

For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.

✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255  , Property Agent (Director )

✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com Read More