Getting the keys to your new HDB flat is a major milestone—one that comes with a hefty dose of paperwork, excitement and (let’s be real) a few nerves. Whether you’re a first-timer or a seasoned mover, there’s a checklist of things you’ll want to prepare so your key collection goes smoothly and you can start planning for your renovation with peace of mind. This guide breaks down exactly what to expect at your HDB appointment, what to bring along, and the essential steps to take as you get ready to turn that empty flat into a home.
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Stage 1: HDB key collection—What to expect and prepare
Collecting your HDB keys isn’t just a ceremonial moment—it’s also a time for serious admin. Before you get those keys in hand, you’ll need to settle payments, sign legal documents and make sure you have all the right paperwork. Here’s what you should have prepared:
1. Check your balance payment and home loan arrangements
Before you can collect your keys, you’ll need to pay the balance of your flat’s purchase price. This is usually done using your CPF savings, a cashier’s order or a bank transfer. If you’re taking up a home loan, make sure you know exactly how much is outstanding, how the payment will be made and what documents are needed.
Not sure if you’re getting the best home loan rate? Compare home loans on MoneySmart to make sure you’re not leaving money on the table.
2. Bring your identity cards
All buyers and occupiers must bring their NRIC for verification.
3. Buy fire insurance
It’s mandatory to purchase fire insurance for your flat from HDB’s appointed insurer, ETIQA. You can buy it online or at HDB Hub, and it usually costs between $1.50 and $6.60 depending on your flat type. Save your payment slip or confirmation for reference.
ALSO READ: HDB Fire Insurance vs Home Insurance: What’s the Difference?
4. Make sure your Singpass is set up
Many transactions during key collection require Singpass, including CPF deductions. Make sure your Singpass and 2FA are working before your appointment—set up or troubleshoot early to avoid any technical delays.
5. Power of attorney (if you can’t attend)
If you’re unable to be present, you’ll need to appoint a power of attorney. Your appointed person must bring a certified true copy of the POA by your solicitors, plus 2 photocopies.
6. Bring your marriage certificate (for flats under the Fiancé/Fiancée Scheme)
If you’re buying under the Fiancé/Fiancée Scheme, bring your marriage certificate. Haven’t registered your marriage yet? You’ll have up to 3 months after key collection to submit it.
7. GIRO form (for cash payments)
If you plan to pay your monthly loan instalments partially or fully by cash, bring your completed GIRO application form for smoother processing.
8. Set up your utilities account
To get water and electricity flowing from day one, set up your SP Services utilities account online or by phone before key collection. Activation can take up to 7 days.
Stage 2: Keys collected—What’s next?
Congratulations—you’re officially the owner of your new HDB flat. But before you start dreaming about renovation plans and furniture shopping, there are a few important steps to check off.
Schedule your HDB appointment for earlier in the day
If you want to visit your new place right after key collection (and let’s be honest, who doesn’t?), try to book a morning or early afternoon slot. There won’t be any lights installed yet, so you’ll need daylight to properly check the unit.
Inspect your new flat for defects
Once you’ve got the keys, don’t rush into renovations just yet. Take time to thoroughly check the flat for any defects—think cracks, leaks, uneven surfaces or faulty fixtures. Bring along your checklist and mark any issues clearly.
Submit defects within 1 month (for new flats)
For new flat buyers
If you’re moving into a brand new flat, thoroughly check for any defects—cracks, leaks, uneven flooring, or unfinished surfaces—once you get your keys. Report any issues to HDB as early as possible using:
- The QR code in your Welcome Kit or on the notice in your kitchen
- The temporary Building Service Centre (BSC) for your project (details in your Welcome Kit)
You must submit your defect claims within 1 month from the key collection for HDB to arrange rectification. Most issues are typically resolved in less than 2 weeks.
Remember to hold off on any renovation work or major deliveries until you’ve finished your inspections and addressed any outstanding issues. This helps avoid complications and extra costs down the road.
For resale flat buyers
If you’ve bought a resale flat, HDB does not provide a defects liability period or rectification service. It’s important to inspect the unit for defects or outstanding repairs before completion and handover. Any defects found after key collection are generally the responsibility of the buyer to resolve—so take extra care to inspect everything thoroughly before finalising your purchase.
Stage 3: Your first visits–10 essentials to bring
Your new HDB flat is likely to be empty, dusty and, honestly, a little rough around the edges. Before you can kick off renovation works, you’ll want to check the condition of your home and make those early visits as smooth as possible. Here are 10 must-bring items for your first few trips:
1. Masking tape and marker
Use masking tape to clearly mark out any defects you find. A marker comes in handy for jotting notes directly on the tape so you remember what needs fixing.
2. Measuring tape
Essential for checking room sizes and awkward corners. Many new owners find that some beams and fixtures don’t match the floor plan, so come prepared.
3. Foldable chairs or cardboard
There’s nowhere to sit in an empty flat, and visits can take a while. Pack some lightweight chairs, or even cardboard sheets if you need to sit on the floor.
4. Toilet paper
Expect dust everywhere and very basic facilities. A roll of toilet paper will be more useful than you think—for cleaning up or using the loo.
5. Pail
Even if there’s water supply, there may not be a working tap. A pail lets you store and scoop water as needed.
6. Dustbin or plastic bags
You’ll accumulate rubbish—old packaging, snack wrappers, or tissue. Bring a small dustbin or plastic bags to collect and easily dispose of trash.
7. Electronic charger
Test all power sockets by plugging in your phone charger or another small device. It’s the quickest way to check if your electrical points are working.
8. Standing fan
Units can get hot and stuffy, especially during the day. If you’re driving, bring along a fan and open the windows for some ventilation.
9. Torch light
No lights installed yet? If your visit runs late, a torch is essential for moving around safely and inspecting dim areas.
10. Storage box
A sturdy box makes it easy to keep all your “barang barang” together for repeat visits. You can leave it in the bomb shelter or storeroom so you don’t have to lug things each time.
Keep your essentials handy, and don’t rush your inspections. The more thoroughly you check things now, the fewer surprises you’ll have when it’s time to renovate.
Conclusion: Ready for the next step?
Getting your HDB keys is just the start of your homeowner journey. Once you’ve checked off the paperwork, inspected your new flat, and completed your first few visits, you’ll be in a strong position to plan your renovation with confidence. Don’t forget to address any defects before you get started, and make sure all your essential accounts—like utilities and insurance—are set up early.
Looking to make the most of your new home? From comparing home loans to finding renovation inspiration, MoneySmart has all the tools and guides you need to kick off this exciting new chapter. Happy homemaking!
ALSO READ: Fire Insurance vs. Home Insurance For BTO and Resale HDB
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This article was first drafted with the help of AI and later reviewed and refined by the author.
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