Can I Sell My HDB Flat Before 5 Years?

The 5 Years refers to Minimum Occupation Period (MOP), which is calculated from the date the sellers Owner(s) the keys to the flat.

Sell My HDB Flat Before 5 Years

It will not be easy to get the special approval to sell your HDB flat before 5 years, even with a valid reason.

The always Number One reason is Divorce.


In almost every 12 groups of clients I met, there is 1 divorcee.

Today I’m going to share a true story of my client, Miss J.

On her struggle to get restart of her new life.

What Happen to Her?

She got her final judgement last year.

When things happen, she feels panic and couldn’t think rationally.

In March 2018, it was our first met.

So, I guided her along of what she should do step by step.

How is the Appealing Process Going?

After our discussion, I suggested her to write in HDB and appeal to sell before 5 years (before the MOP).

She told HDB about her unexpected turn of life events, and wish to start her new life. But unfortunately, our first attempt was rejected by HDB.

Then she went to see the estate MP in April. They are very helpful. They wrote a letter to the HDB branch general manager.

The entire process took less than 3 months to get the written approval from HDB branch.

Of course, we did quite frequent follow up with HDB officer in the midst of the process.

However, HDB Hub’s system may not be updated automatically. So, both HDB owners (Miss J & her ex-husband) still have to visit HDB Hub to do the “Seller Intent” manually.

Then the selling process was smooth, and I got a good price for them.

Your Due Diligence Check:


For those who really want to sell your HDB flat before 5 years, please check your date of purchase.
Make sure it is not subject to the Seller’s Stamp Duty.

Let the Professional Do the Job

In short, the breakdown of the marriage is beyond the couple’s control, HDB should allow them to sell the flat so that they can start with their new chapters of the life.

Despite some people may tell you that it is almost impossible to appeal and sell it to open market as your flat is under 5 years.

But, I have handled a handful of such cases.

Let The Professional do for you

I shared my piece here, hoping this will help those in a similar situation as Miss J.

Anyway, you will still need an agent to market your HDB flat, so why not seek advice from us?

In addition, if you engage a lawyer to write an appeal letter for you, they may charge you a few hundreds.

But through us, it’s absolutely free!

You lose nothing, but at least, ensuring you are on the right track!

Do not give up, do your best with us!

Some Other Valid Reasons:

Some might also need to relocate to be closer to their relatives for childcare or eldercare purposes.

Furthermore, the death and sickness of a family member are some other reason.

All these are case by case basis under exceptional circumstances.

In conclusion, HDB’s flexibility is helpful to residents who are in genuine difficulty. But don’t get me wrong, I’m not urging people to abuse the system.

Stephen Chong
Stephen Chong
Lim Ming Hwee
Lim Ming Hwee
Stephen is a very good agent who goes beyond his way to ensure that his clients are happy. He is very patient and helpful, and will always give good advice.
Joseph Sze
Joseph Sze
Stephen is a professional & responsible person who has provided good quality customer services to our recent Condo housing purchase & related matters. I found he has put in great efforts and gone for extre miles to assist us in the whole process and related purchase issues. Excellent work, Stephen!👍🏼👍🏼👍🏼
SZ Lim
SZ Lim
Was going thru Stephen's video when I noticed he had a google review panel up. Going to copy paste my review on his FB page from 2019. I still stand by my review. Stephen was very professional throughout our engagement process. I first engaged Stephen as his effort could be seen thru the videos he made. The videos were informative, detailed, yet easy to understand from a beginners point of view. Could also see the improvement of his videos as time passes, and that speaks volumes about one's character on his eagerness to improve and share. During my engagement with him, Stephen was very professional. Since I was very new in the scene, I required alot of guidance and honesty. Stephen was very upfront with me on many items and did not try to hide any facts from me. As a first time buyer, both good and bad prospects were laid out after his detailed analysis on my current financial condition and also on the projects we went to see. Comparing to other agents who will just blab anything that benefits their sales point, Stephen was straightforward and truthful on the issue. I have met quite a few agents but would highly recommend Stephen to people who are looking for properties, be it looking for a place to stay, or looking for a property to invest.
YingYu Tan
YingYu Tan
Stephen handled both my HDB sale and new condo purchase. The whole process was fuss-free and smooth. What impressed me was his willingness to go the extra mile for his client, from analyzing every detail and being there for me and my wife every step of the selling/buying process.
Cannot believers Mr Stephen posting my rental unit less than 10 mins ? Yes, can't believed it ? but please believed it. 1st day open ..more then 8 enquiry. Mr Stephen was very professional, patient and knowledgeable, he shares all the information i needed, excellent service 💪💪 Rent out my unit within 2 days highly recommended ..BINGO
Jade Bai
Jade Bai
We came across Stephen YouTube video and appreciated the tips he is providing. We decided to engage Stephen when we were house hunting. Most people may feel that you can DIY resale hdb buying process. Personally we feel its money well spent engaging Stephen. The whole buying process is swift. Stephen is very prompt in his reply. He did alot of detailed analysis and recommend us the units we can explore. He is very detailed anf meticulous. This process saved alot of time. He also gave us helpful advice on the units we viewed. No hard selling or rush you into hasty decisions 😊
Adrian Tay
Adrian Tay
Knowledgeable and professional, Stephen is not the typical agent you will meet. Ever so patient, he will help provide his genuine feedback and never pushy unlike most sales agents. Fortunate to have Stephen walk with me in my property investment journey. Will recommend Stephen to anyone who is looking for a trustworthy agent to walk the mile with.
michael tan
michael tan
Very patient and give good advise. I bought ec under him and he sold my hdb.
CY Goh
CY Goh
I believe every property investors or home buyers have encounters with numerous property agents. However, how many of you ever met someone with passion and enthusiasm to sit down and analyze each property based on your criteria (budget, requirements like location, size, etc)? Having watched Stephen's videos in YouTube, decided to ping him and the rest is unspoken of. Not only did he helped to narrow down our search, he also analyzed which project has higher prospect and which unit (level, facing, etc) fits our living habits. No complaints, except for not knowing Stephen earlier. Good job Stephen, thank you.
Esther Cheh
Esther Cheh
Stephen was the agent assisting us in the purchase of our condo and now to market them for rental. He is extremely helpful, open, transparent and reliable throughout the entire time. He went above and beyond to help us set things up while we are not in Singapore.He is also very professional and knowledgeable about the property market in general. I am confident to leave our condo in his care to find us a good tenant and to manage them in future.