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The maximum repayment period for your situation is 25 years.

HDB can act as your solicitor for buying a resale HDB flat, requiring your in-person attendance at the resale completion appointment. Alternatively, you can hire a private solicitor who can attend the final appointment on your behalf.

You may retain up to $20,000 in your CPF Ordinary Account when taking an HDB housing loan. The remaining balance above $20,000 must go toward financing your flat before the loan is granted. Consider alternative financing options or discuss terms with HDB for additional CPF fund retention.

You can apply for an HDB concessionary loan with a fixed interest rate of 2.6% and a smaller downpayment, or a bank loan with variable rates and a higher downpayment. Both require an HLE Letter from HDB or a Letter of Offer from a bank.

You must wait 30 months from the date you disposed of your private property before you can apply for an HDB flat.

You must be at least 35 years old to buy an HDB flat if applying alone as a single. If you form a family nucleus or are married, you can apply before 35.

In a resale completion appointment, the seller hands over the keys after clearing outstanding payments, ending GIRO arrangements, and vacating the flat. The buyer checks the flat, presents Fire Insurance proof if using an HDB loan, and takes possession, finalizing the transaction.

You must not exceed a monthly income of $7,000 if you are buying an HDB flat as a single.

A mother and child can purchase a resale HDB flat if the mother has held SPR status for at least 3 years and they form a valid family nucleus.

A Singaporean child aged 7 and a mother who is a PR cannot buy a BTO flat because the main applicant must be at least 21 years old and a Singapore Citizen.