Comprehensive Resale HDB Guide: 2-Room, 3-Room, 4-Room, 5-Room, Executive Apartments, and Maisonettes in Singapore
Buying a resale HDB flat in Singapore is a major milestone. With a wide range of options available, selecting the right flat size that meets your needs and budget can be overwhelming. This comprehensive guide breaks down everything you need to know about 2-room, 3-room, 4-room, 5-room flats, as well as Executive Apartments (EA) and Executive Maisonettes (EM), including pricing trends, eligibility requirements, financing options, and tips for making a well-informed decision on resale of HDB flats in Singapore.
Whether you’re a growing family, a young couple, or an individual looking for your ideal home, this guide is tailored to help you navigate the hdb real estate market with ease.
1. Understanding HDB Flat Sizes
2-Room Resale Flats
- Target Audience: Ideal for singles, retirees, or couples preferring minimal living space.
- Size: Approximately 35–45 sqm.
- Features: Compact living area, one bedroom, one bathroom, and a kitchen.
3-Room Resale Flats
- Target Audience: Perfect for young couples, small families, or retirees downsizing.
- Size: Approximately 60–70 sqm.
- Features: Includes two bedrooms, one bathroom, a kitchen, and a living area.
4-Room Resale Flats
- Target Audience: Suited for families needing more space or planning to expand.
- Size: Approximately 90 sqm.
- Features: Three bedrooms, two bathrooms, a kitchen, and a spacious living area.
5-Room Resale Flats
- Target Audience: Ideal for larger families or those requiring additional living space.
- Size: Approximately 110 sqm.
- Features: Three bedrooms, a study or utility room, two bathrooms, and a larger living and dining area.
Executive Apartments (EA)
- Target Audience: Families looking for premium layouts with more living space.
- Size: Approximately 130 sqm.
- Features: Spacious living and dining areas, four bedrooms, and two bathrooms. Some units may include balconies.
Executive Maisonettes (EM)
- Target Audience: Families seeking unique layouts with a multi-level design.
- Size: Approximately 140–150 sqm.
- Features: Two-story design with separate living and dining spaces on the lower level and bedrooms on the upper level. Often includes balconies.
2. Pricing Trends and Market Insights
Average Resale Prices in 2025
| Flat Type | Average Price (SGD) | Price Range (SGD) | Popular Areas |
| 2-Room | $300,000 | $250,000 – $350,000 | Bedok, Hougang, Sengkang |
| 3-Room | $450,000 | $400,000 – $500,000 | Ang Mo Kio, Bishan |
| 4-Room | $600,000 | $550,000 – $650,000 | Tampines, Bukit Batok |
| 5-Room | $750,000 | $700,000 – $850,000 | Punggol, Jurong East |
| Executive (EA/EM) | $850,000 | $800,000 – $950,000 | Pasir Ris, Yishun |
Source: HDB Resale Statistics (2025)
Factors Influencing Pricing
- Location: Mature estates like Ang Mo Kio and Bedok command higher prices due to established amenities and transport networks.
- Proximity to MRT Stations: Flats near MRT stations typically fetch a premium.
- Flat Condition: Renovated or well-maintained units are priced higher.
- Lease Tenure: Flats with longer remaining leases attract more buyers.
3. Stamp Duty and Legal Fees
Buyer Stamp Duty (BSD)
Buyer Stamp Duty (BSD) is calculated based on the purchase price or market value of the property, whichever is higher. Below is the table showing the applicable rates:
| Portion of Purchase Price or Market Value (SGD) | BSD Rate |
| First $180,000 | 1% |
| Next $180,000 | 2% |
| Next $640,000 | 3% |
| Amount Above $1,000,000 | 4% |
Example Calculation:
For a flat priced at $700,000:
- 1% on the first $180,000 = $1,800
- 2% on the next $180,000 = $3,600
- 3% on the remaining $340,000 = $10,200
Total BSD = $1,800 + $3,600 + $10,200 = $15,600
Legal Fees
- Estimated Cost: $2,000–$3,000 for conveyancing services.
- Covers title deed registration and other administrative processes.
4. Financing Your Resale HDB Flat
Housing Loans
- HDB Concessionary Loan: Interest rate of 2.6% per annum; requires income ceiling eligibility.
- Bank Loan: Competitive rates starting at 1.8%, subject to market rates.
- Down Payment: Minimum of 25% of the purchase price (5% must be in cash for bank loans).
CPF Usage
- CPF Ordinary Account (OA) funds can be used for:
- Down payment.
- Monthly loan installments. Limits: Subject to Valuation Limit and Withdrawal Limit.
5. Budget Comparison Across Flat Types
| Flat Type | Monthly Mortgage (SGD) | Minimum Monthly Household Income (SGD) |
| 2-Room | $900 | $3,000 |
| 3-Room | $1,400 | $4,500 |
| 4-Room | $1,900 | $6,000 |
| 5-Room | $2,400 | $7,500 |
| Executive (EA/EM) | $2,700 | $8,500 |
6. Steps to Buy a Resale HDB Flat
- Financial Assessment: Calculate your total budget, including savings, CPF, and loan eligibility.
- Search and Shortlist: Use platforms like PropertyGuru to find listings that meet your requirements.
- Flat Inspection: Evaluate the condition of the flat, its surrounding amenities, and recent resale prices in the area.
- Negotiation and Offer: Engage a real estate agent to help negotiate terms and ensure a smooth purchase process.
“With years of experience helping buyers like you, I can streamline the entire process—from finding your ideal flat to negotiating the best deal. Reach out today for expert guidance!”
7. Renovation and Additional Costs
Renovation Costs
| Flat Type | Average Renovation Cost (SGD) |
| 2-Room | $20,000–$40,000 |
| 3-Room | $30,000–$50,000 |
| 4-Room | $40,000–$70,000 |
| 5-Room | $50,000–$90,000 |
| Executive (EA/EM) | $60,000–$120,000 |
Other Costs
- Stamp Duty: As outlined in the Buyer Stamp Duty table above.
- Legal Fees: Estimated $2,000–$3,000 for conveyancing services.
- Miscellaneous: Moving costs, minor repairs, and furnishing expenses.
Why Choose Dominic Choa Real Estate?
- Market Expertise: Specialized knowledge of the entire HDB resale market.
- Personalized Service: Tailored recommendations based on your unique needs.
Proven Track Record: Numerous satisfied clients across all flat types.
Whether you’re looking for a compact 2-room flat, a functional 3-room home, or a spacious 5-room or executive property, the resale HDB market offers something for everyone. With detailed planning, research, and expert guidance, you can find the perfect home for your needs. For professional assistance in navigating Singapore’s resale HDB market, reach out to me at dominicchoa.com today!