How much cash do i need roughly to prepare if I want to buy a resale flat. Let say the resale flat value is ard 600k

Jennifer pretty much got everything covered. Main information you can find would be here.

https://www.hdb.gov.sg/cs/infoweb/finplan

You can use the calculator there too to get an estimate.
I presume that you are a first timer since you are getting a flat next year. In any case, please check your eligibility for the various housing grants on offer, it will help you cover a significant amount of the housing costs if planned right.
You might also want to consider an upcoming EC in punggol for your new home if your finances and eligibility allows.
If need help feel free to ask or drop me a line.

Costs of resale HDB resale flats can vary _significantly _based on factors such as location, amenities and condition. These are just an estimate of the costs for resale flats in 2019:

Three-room: S$350,000 to S$380,000

Four-room: S$420,000 to S$550,000

Five-room: S$520,000 to S$700,000

You will probably use both cash and CPF savings for your flat purchase. Your financial planning should therefore cover:

1. How much cash is required

2. Amounts that can be paid using CPF savings

   Cash are used for the following payments:

• Deposit to seller (a maximum of $5,000, paid in 2 stages: the option fee, and the deposit)
• Part of the initial payment (if you take a bank loan, or have insufficient CPF savings)
• Amount not covered by CPF savings and eligible housing loan amount
• Cash proceeds from disposing the last flat if you are taking a second HDB loan

CPF can be used for:

• Initial payment in whole or in part (depending on whether an HDB or bank housing loan is used)
• Partial or full payment for the flat purchase
• Monthly mortgage instalments

Hope this helps a little! :)

Sources:

• https://www.homeanddecor.com.sg/articles/91183-...

• https://www.hdb.gov.sg/cs/infoweb/finplan

• https://learn.moneysmart.sg/property/how-much-w...

• https://www.singsaver.com.sg/blog/costs-of-bto-...