HDB for Sale in Central

There are over 19 resale HDB flats available for sale in Singapore on 99.co. Resale flats are spread across various estates, offering options in both mature and non-mature towns. Buyers can filter their search based on flat type, price range, and proximity to amenities to find a suitable home. Checking HDB resale listings frequently can provide the most updated availability.

There are currently more than 191 2-room HDB flats listed for sale on 99.co. These compact flats are sought-after among singles, elderly homeowners, and couples without children due to their affordability and manageable space. Being a popular cost-effective option, availability may change fast. Interested buyers are advised to check the latest 2-room HDB resale listings frequently.

More than 2504 3-room HDB flats are currently available for sale on 99.co. These flats offer a practical choice for small families, young couples, and those looking for a balance between affordability and space. Buyers looking for 3-room resale flats can compare prices, layouts, and locations before making a purchase decision. As demand varies by estate, checking for updated listings is recommended.

There are over 5374 4-room HDB flats available for sale on 99.co. These flats are among the most popular choices for families due to their spacious layout, which typically includes three bedrooms and a living area. 4-room resale flats are widely available across different estates, and their prices vary depending on location, age of the flat, and proximity to amenities.

There are more than 4892 5-room and larger HDB flats for sale on 99.co. These flats cater to larger families or individuals who prefer more living space, offering ample room for additional bedrooms, home offices, or recreational areas. Executive flats and maisonettes, which are larger than standard 5-room flats, fall under this category as well. Buyers seeking spacious resale flats should explore different estates and compare layouts to find the best fit for their needs.

Yes, you can! There are currently over 20 resale HDB flat listings on 99.co that offer remote viewing options. Many sellers and agents provide virtual tours, video calls, or pre-recorded walkthroughs to help buyers explore flats from the comfort of their homes. This is especially useful for buyers who are overseas, have tight schedules, or want to shortlist potential flats before arranging physical viewings.

HDB resale prices are expected to climb by 4% to 6% throughout 2025, a softer pace compared to the 9% surge seen in 2024. The steady increase in prices has led to greater buyer caution, particularly as many locations have already reached record-high valuations for HDB resale flats. However, HDB resale price movements will also depend on government cooling measures, interest rates, and global economic factors. Buyers should monitor market trends closely to make informed purchasing decisions.

The average price of an HDB resale flat in 2025 will mostly depend on the flat type and which estate the flat is located. Based on the active listings for resale HDB on 99.co, the average price is S$ 999.04K. Smaller flats in non-mature estates can be priced as low as S$ 310K, while spacious units in sought-after areas can reach up to S$ 7.99M. Note that eligible households may receive HDB grants, making homeownerships more affordable for Singaporeans.

As of recent data, the average price per square foot (PSF) for HDB resale flats in last 1 year is S$ 648.33. The price PSF varies mostly by location, with centrally located areas commanding higher prices. For instance, the average price PSF for HDB resale flats in Bukit Timah and Queenstown will be significantly higher than those in the Outside of Central Region (OCR) like Yishun or Sembawang.

Anyone can buy resale HDB flats in Singapore, as long as they meet the eligibility criteria. The eligibility criteria include being at least 21 years old if you’re buying in an approved family nucleus, or 35 years if you’re buying as a single. At least one Singaporean Citizen (SC) or two Singapore Permanent Residents (PR) listed in the flat application. You must be within the Ethnic Integration Policy and Singapore Permanent Resident quota of the block/neighbourhood. In addition, you’ll also need to fall under one of these schemes before you can buy an HDB resale flat: Public Scheme, Fiancé/ Fiancée Scheme, Single Singaporean Citizen Scheme, Joint Singles Scheme, Non-Citizen Spouse Scheme, Non-Citizen Family Scheme, Orphans Scheme, etc.

A Build-To-Order (BTO) flat is a new public housing unit launched by HDB, requiring a waiting period of around four to five years before completion. These flats are sold at subsidised prices and are subject to strict eligibility criteria, including an income ceiling. In contrast, an HDB resale flat is a pre-owned unit available for immediate purchase on the open market. Buyers of resale flats do not face an income ceiling and can choose from a wider range of locations, including mature estates. However, resale flats generally cost more than BTO flats due to market demand and the flexibility of immediate ownership.

The process of buying HDB resale flats involves several steps: First, buyers must apply for an HDB Flat Eligibility (HFE) letter to check their eligibility for purchasing, CPF housing grants, and HDB loans. Once eligible, they can search for a suitable resale flat and negotiate a price with the seller. The seller will then grant the Option to Purchase (OTP) for the buyer to exercise. After agreeing, both parties must submit a resale application to HDB. Upon HDB’s approval, buyers will attend the completion appointment, make the final payment, and officially take possession of the flat.

HDB Flat Eligibility or HFE letter is a mandatory document issued by HDB that determines a buyer’s eligibility to purchase a resale flat (or a BTO), apply for CPF housing grants, and take an HDB loan. It consolidates all necessary assessments in one application, providing clarity on financial aspects before buyers proceed with a purchase. Without an HFE letter, buyers cannot submit an HDB resale application, making it an essential first step in the process.

CPF savings can be used to finance an HDB flat, but there are limits. Buyers can use their CPF Ordinary Account (OA) savings for the down payment, monthly loan repayments, and stamp duties. However, the amount that can be used is subject to the Valuation Limit (VL) and Withdrawal Limit (WL), which vary depending on whether a loan is taken from HDB or a bank.

The amount of CPF savings that can be used when purchasing an HDB resale flat depends on factors such as the remaining lease of the flat, purchase price, and valuation limit. Generally, if the flat’s remaining lease covers the youngest buyer until at least age 95, CPF usage is not restricted. If not, the maximum CPF usage will be pro-rated.

Yes, you can purchase an HDB resale flat using full cash without taking any loan. This means you will not need to meet any loan eligibility criteria or pay interest. However, you will still need to pay applicable stamp duties and legal fees.

For married couples and families, the eligibility criteria include being at least 21 years old. However, singles must be at least 35 years old to buy a resale HDB flat under the Single Singapore Citizen Scheme. Buyers also need to ensure the flat’s lease duration meets CPF usage criteria for long-term viability.

Aside from the flat’s purchase price, buyers should budget for additional costs such as Buyer’s Stamp Duty (BSD), legal fees, valuation fees, and potential renovation costs. BSD is calculated based on the property price and can range from 1% to 4% of the purchase price. Other costs include mortgage interest for those taking a home loan and monthly Service & Conservancy Charges (S&CC). Renovation costs can also be significant, particularly for older resale flats that require upgrading.

Non-mature estates such as Sembawang, Woodlands, Yishun, and Jurong West offer more affordable resale flats. These areas have newer developments and better availability of larger units at lower prices. Buyers looking for value-for-money options should explore these locations.

HDB resale flats in mature estates such as Queenstown, Bishan, Toa Payoh, and Bukit Merah are in high demand due to their central locations and well-established amenities. Flats near MRT stations, top schools, and employment hubs also attract more buyers. With the increasing demand for prime resale flats, prices in these areas tend to be higher compared to non-mature estates.

You can easily search for resale flats in a specific estate by using the search filters on 99.co. Start by selecting your preferred HDB town in the search bar, which will refine the listings to match your location preference. In addition to selecting specific HDB towns, you can also filter by district, neighbourhood, MRT stations, and schools to narrow down your search further. This allows you to find resale flats that align closely with your commuting needs and lifestyle preferences.