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5 Must-know Guides to Purchase a 4 Room HDB Resale Flat

So, you’re thinking about buying a brand new 4-room HDB flat, but you do not wish to wait years for a BTO flat to be built. You may want to consider buying an HDB resale flat instead of an HDB flat in the long run.

The developer has sold a resale flat before construction. This can save you from waiting for years for your BTO flat to be completed. You can get an HDB resale flat if it is listed on a housing portal. There are two types of HDB resale flats: those that have been entirely sold and those that have been partially sold.

This article will cover the pros of buying a resale flat, the available schemes, eligibility, and how to buy one.

Let’s get started!

What is a 4 room HDB resale flat Singapore?

A 4 room resale HDB flats are flats that are not in use or are no longer needed. You can live there if you like. They’ve been living for at least the Minimum Occupancy Period (MOP), typically five years. Buying a resale flat is a big decision. You will be taking over the property from the previous owner.

It’s convenient because you can just pop your key in the lock, and you don’t have to worry about not being able to get your key after you leave the store. When shopping for BTO flats, some brands offer a new 99-year lease when you purchase them, but they don’t provide this new lease to those who lease the property. Older apartments have been around a lot longer, and the longer the lease term, the fewer years are left.

If you want to find out how much a lease might cost, you need to look at how long it has gone. An essential factor to consider is the cost of renovating resale flats compared to BTO flats. If the previous owner had done renovations, you would likely have to remove or modify them.

4 room HDB BTO vs. 4 room Resale Flats: 7 Benefits of Picking a Resale Unit 

Although not receiving a brand new apartment, there are clear benefits to buying a resale flat over a brand new apartment:

  • Shorter Waiting Time for Resale Flats
  • No Need to Ballot for Resale Units 
  • More Locations to Choose 
  • No Income Ceiling for Resale Flat Buyers
  • Resale Flats is Usually More Spacious 
  • PRs Can Buy Resale HDB Flats
  • More Housing Grants for HDB Resale Flats (in Addition to EHG)

Process of buying a 4 room HDB resale flat

It’s time to get serious about finding a new apartment. You’ll need to completely understand what you can afford, what type of place you are looking for, and why you need one. You will get most administrative work done via the HDB Resale portal.

Here’s an overview of the resale process:

Step 1

Register Intent to Buy

Step 2

Get Option to Purchase (OTP) from Seller

Step 3

Choose how you would like to finance your flat, whether it is an HDB Loan or a Bank Loan.

Step 4

Request Value of Flat from HDB

Step 5

Submit Resale Application and all supporting documents

Step 6

Endorse Resale Documents

Step 7

Pay Resale Fees Online

Step 8

Receive Approval of Resale Application

Step 9

Attend Resale Completion Appointment

How much does a 4 room HDB resale Singapore flat price?

Here is the cheapest 4 room HDB flat in Singapore and approximately the highest:


Type HDB BTO Flats (Non-Mature Estates) HDB BTO Flats (Mature Estates) Resale Flats Executive Condominiums Private Condominiums ^
Studio/One-Room $420,000 to $560,000 $600,000 to $700,000
Two-Room (Flexi) $90,000 to $162,000 $137,000 to $277,000 $640,000 to $720,000 $800,000 to $900,000
Three-Room $164,000 to $248,000 $205,000 to $421,000 $350,000 to $380,000 $776,000 to $960,000 $970,000 to $1.2m
Four-Room $253,000 to $381,000 $311,000 to $617,000 $420,000 to $550,000 $1.12m to $1.4m $1.4m to $1.8m
Five-Room $405,000 to $516,000 $423,000 to $725,000 $520,000 to $700,000 $1.6m to $1.76m $2m to $2.2m

How can I pay for my 4 room HDB resale flat?

If you’re financing a resale flat, most people will choose between either a HDB Housing Loan or a Bank Loan. To get HDB loans, you will need an HDB loan eligibility letter. With a fixed asset of $5,000,000, you’ll be able to borrow up to 90% of its value. To get approved, you must obtain an approval in principle (AIP).

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Get your best 4 room HDB resale flat with 9Creation

You should use your real estate agent as your guide. They will have good connections and referrals.

At 9Creation, we are an interior design company in Singapore and we’ve already developed a reputation for providing the best services. Using the best tools in the interior design industry, alongside highly skilled employees, we can complete jobs both within the agreed budget and deadline, ensuring you are completely satisfied when you look for your best 4 room HDB resale.

As a result, we have been able to quickly build a reputation as one of the best interior design firms in Singapore.








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