Collecting your house keys is an exciting milestone for any homeowner in Singapore. Whether you are moving into a BTO flat, resale HDB, or new home, there are several important administrative steps you must complete before and during key collection.
At Crown Interior Design, we work closely with new homeowners and often advise them to complete these essential preparations early to avoid delays in renovation and move-in plans.
Note: Information and website links are subject to change. Always refer to official sources for the latest updates.
Before renovation works or moving in, you must activate your SP utilities account.
You may choose any of the following methods:
Option 1: Online Application
👉 https://openaccount.spgroup.com.sg/#/open-account/
Option 2: SP Mobile App
Go to Utilities Services
Select Open Utilities
Option 3: On Key Collection Day
Visit HDB Hub, Level 9 – SP Counter
You will be prompted to select an activation date
An SP technician will visit your unit to check the meters
You do not need to be present during the meter inspection
💡 Tip: If you want everything done in one visit, you may activate utilities on your key collection day at HDB Hub.
📘 SP Residential Utilities Guide:
https://www.spgroup.com.sg/our-services/utilities/quick-guide-to-your-utilities-residential#
If you are taking an HDB loan or bank loan, purchasing Fire Insurance is mandatory.
Set the policy start date as your key collection date
You may also purchase Home Insurance for wider coverage (renovation works, contents, liability)
📖 Difference Between Fire Insurance and Home Insurance:
https://www.moneysmart.sg/home-insurance/fire-insurance-vs-home-insurance-ms
👉 https://www.etiqa.com.sg/personal/fire-insurance/
⚠️ Important Reminder
Do not buy insurance on the actual key collection day.
Insurance documents may not be issued in time, and HDB may withhold key release if proof of insurance is unavailable.
First month S&CC must be paid during the appointment
Payment mode: NETS
Subsequent monthly payments must be made by the homeowner via:
AXS machines
Online payment platforms
Town Council: Choa Chu Kang Town Council
Town Council Reference Number:
Refer to your Key Collection Letter, under “Sch-Acc No.”
Format: xxxx-xxxx-x-xx (unique to your unit)
If unavailable, you may contact Choa Chu Kang Town Council directly to retrieve the reference number.
To avoid monthly manual payments, homeowners are encouraged to set up GIRO or recurring credit card payments.
Download the forms here:
👉 https://www.ccktc.org.sg/application-forms-3/
Complete the form
Email to finance@ccktc.org.sg
Completing these requirements early helps prevent:
Delays in renovation commencement
Utility access issues for contractors
Postponement of key collection
Unnecessary last-minute stress
For homeowners planning interior renovation, these administrative steps are just as important as selecting the right design and materials.
At Crown Interior Design, we ensure our clients are well-prepared so renovation planning, permit submissions, and site works can proceed smoothly once keys are collected.
If you are planning your renovation after key collection, you may also explore our past residential renovation works to see how different HDB homes have been transformed with practical layout ideas, stylish design options, and thoughtful space planning. Browse our completed projects here: https://crowninteriordesignsg.com/works/residential_work/ to help you visualise possibilities and make better renovation decisions.