The technique for buying a resale HDB flat in Singapore is often a multi-phase process that normally spans quite a few months. The initial and most critical stage is to obtain a valid HDB Flat Eligibility (HFE) letter, which establishes the customer's eligibility with the flat buy, housing grants, and also a housing personal loan. After securing the HFE letter, the customer queries for the flat and requests an alternative to get (OTP) from the seller, which is then exercised inside 21 times. Subsequently, the buyer must post their resale software to HDB, together with all here vital documents. HDB will then benefit the flat and plan a primary appointment for both equally events. The method culminates inside the completion from the transaction, where the client and vendor fulfill with the HDB Hub to indication the final documents and obtain the keys. The entire course of action, from getting the HFE letter to the ultimate completion, typically takes about three to 5 months.