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.

6 February 2023
Stephen is very professional and trustworthy agent, he's very responsive and treat all customers with respect. He has put in a lot of effort in making sure my transaction is handled properly, on time and on top of priority. I have already recommended him to my friends that's interested in buying property. Thanks Stephen.
Elwin840808 Elwin
Elwin840808 Elwin
16 January 2023
Stephen really a good agent. I was new to home selling and have heard many about terrible agents. Stephen was professional and he never made me felt uncomfortable. He is professional, experienced and helpful agent. Highly recommend.
Marchelina Vincensia
Marchelina Vincensia
17 August 2022
I’ve met so many property agents in my life but Stephen is really a rare find. If you are looking for someone unconventional, who gives advice based on data and answer all your easy and hard questions tirelessly, then I couldn’t recommend Stephen more. A very hardworking, humble and strategic agent, highly recommend!
Sei Chia Lau
Sei Chia Lau
4 August 2022
Stephen is efficient, responsive and informative. He is able to give us useful advise and guide us patiently. Overall, his service is great👍
Stanley Tan
Stanley Tan
26 June 2022
Stephen is experienced, analytical and views properties comprehensively. This is evident right from the beginning when we chanced upon his informative YouTube videos. He provided us invaluable advice throughout the process of our property purchase. His calm, humble and polite nature made him an approachable professional to discuss the many questions we had. He was patient with his technical explanations as well as his insightful suggestions. He placed our interests first, in the buyers' shoes, gave us space to consider and has never rushed us to make decisions without proper considerations. His attentiveness goes a long way. Stephen carefully planned out the timeline for us and gave us reminders to complete the various items ahead of the deadlines to avoid unwanted hiccups. It was entirely a worry-free process. Stephen even gone the extra mile to meet us at the law firm to show us the way and be in person with us to sign the S&P. He made our property purchase a great buy and an enjoyable experience. Thank you, Stephen.
Leo Lim
Leo Lim
21 March 2022
I would like to send a note of commendation to Stephen Chong for his dedication, professionalism, diligence and patience in handling of property transaction. I would absolutely recommend Stephen Chong to buyers and sellers who are considering to buy or sell their homes.
Lim Ming Hwee
Lim Ming Hwee
26 February 2022
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
24 December 2021
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
20 July 2021
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.