Glossary
Buying or selling an HDB flat comes with unfamiliar terms. You hear them from property agents, read them in forums, and see them in official guides, yet many explanations feel technical and hard to apply to real decisions.
This glossary is written in plain English and grounded in the HDB resale market. Each term is linked to what it changes in practice, including pricing, negotiation, eligibility, and timing. You will not just learn definitions. You will see how the term affects what buyers compare, what sellers can justify, and when a deal becomes harder or easier.
Why This Glossary Exists
Resale decisions often go wrong not because people lack information, but because they do not know how to use it.
You might understand remaining lease but underestimate how strongly it shapes demand. You may have heard of Cash Over Valuation but not know when it appears and what it signals. You might see the HDB Resale Price Index in the news but assume it can price an individual flat.
This glossary connects terminology to real outcomes.
How HDB Insights Approaches Resale Pricing
Most sites define terms in isolation. HDB Insights shows how the concepts interact to influence real resale prices.
We focus on how buyers compare flats in the same town, same flat type, with similar lease profile, floor area, and storey level. This is how realistic price ranges are formed and how negotiations become more grounded.
When you read a term here, you will see what it means and where it fits in practical HDB resale analysis.
Glossary
- Age Adjusted Pricing
- Bala’s Curve
- Cash Over Valuation (COV)
- Ethnic Integration Policy (EIP)
- Flat Type Median
- Floor Area
- Floor Premium
- HDB Flat Eligibility (HFE)
- HDB Resale Price Index
- Lease Decay
- Lease Threshold Effect
- Median Resale Price
- Minimum Occupation Period (MOP)
- Option to Purchase (OTP)
- Remaining Lease
- Resale Levy
- Singapore Permanent Resident (SPR) Quota
- Town Level Median
- Valuation (HDB Valuation)