hdb bto



HDB BTO (Build-to-Order) is a housing scheme offered by the Housing Development Board (HDB) in Singapore. It aims to provide affordable and quality housing options for Singaporeans. Under this programme, eligible applicants can apply for new flats that are built specifically upon successful applications.

Key Features of HDB BTO:

Affordability: They are priced significantly lower compared to private properties in Singapore. This makes homeownership more accessible for first-time buyers and young families.

New Construction: Unlike resale flats, which are previously owned homes, it offers brand-new construction units with modern designs and facilities. These flats are typically located in newly developed neighbourhoods, offering residents amenities like parks, schools, shopping centres, and community facilities.

Application System: Interested individuals or families need to submit an application during the designated sales launches called "exercise" periods. The applicant's eligibility factors include citizenship status, age group, income ceiling limits set by HDB, ethnic integration quotas (EIP), and others.

Flat Types: It offers various flat types catering to different family sizes and needs, including two-room Flexi flats (for singles or the elderly), three-room flats (for small families or couples), four-room flats (for growing families), five-room flats (for larger families), and executive apartments or maisonettes (for extended multi-generational households).

Leasehold Tenure: All HDB flats have a 99-year lease tenure from the date of construction completion or sale launch.

Design Options: Applicants can choose between different design schemes offered by HDB during the selection process, allowing personalisation within certain limits specified by the board.

Financial Assistance Schemes: To help prospective buyers offset costs associated with purchasing a flat, such as down payments, mortgage loans, and monthly installments, there are various financial assistance schemes available. These include housing grants provided by the government, Central Provident Fund (CPF) usage for down payments, and affordable home loan packages.

Eligibility Conditions: Eligibility conditions differ based on the flat type and other parameters, such as the income ceiling. Generally, applicants need to be Singapore citizens or permanent residents above 21 years old and fulfil specific criteria related to citizenship status, family nucleus formation and size, public housing ownership history, and inheritance restrictions.

Balloting Process: As they are often oversubscribed due to high demand, a balloting process is conducted if applications exceed the available units in any given sales launch exercise. This means that successful applicants are chosen through a random ballot draw.

Progressive Payment Scheme: Buyers of new HDB flats have different payment stages, beginning with an option fee during booking followed by a downpayment upon signing the lease agreement. The rest of the amount can be paid using a combination of CPF Ordinary Account savings or cash over scheduled milestones until key collection.

Minimum Occupation Period (MOP): Flats bought under certain eligibility schemes, such as those with subsidies or grants, have an MOP where owners cannot sell their whole unit or rent out rooms before fulfilling this duration (typically 5 years). After that period ends, owners can decide whether to sell their flat on the open market or retain it for rental income purposes.

Resale Market Potential: After fulfilling MOP obligations and if necessary criteria are met according to government regulations at that time, it may become eligible for resale in the open market, subject to specific conditions set by HDB.

Overall, it offers prospective homeowners an opportunity to purchase quality housing at affordable prices while enjoying modern amenities in well-planned communities across Singapore's heartlands.

HDB BTO: 19,600 BTO Flats to be Launched in 2024 across Three Sales Exercises

In 2024, the Housing and Development Board (HDB) plans to launch a total of 19,600 build-to-Order (BTO) flats across three sales exercises. These BTO flats will provide affordable housing options for eligible Singaporean families.

The three sales exercises scheduled for 2024 will offer a range of flat types and locations to cater to different preferences and needs. Here is an overview of the planned BTO launches:

1. Sales Exercise 1

Number of BTO flats: to be announced

Locations: Various locations across Singapore

Flat types: Different flat types, including 2-room Flexi, 3-room, 4-room, and 5-room flats

Estimated launch period and completion: To be announced

2. Sales Exercise 2

Number of BTO flats: to be announced

Locations: Various locations across Singapore

Flat types: Different flat types, including 2-room Flexi, 3-room, 4-room, and 5-room flats

Estimated launch period and completion: To be announced

3. Sales Exercise 3

Number of BTO flats: to be announced

Locations: Various locations across Singapore

Flat types: Different flat types, including 2-room Flexi, 3-room, 4-room, and 5-room flats

Estimated launch period and completion: To be announced

These BTO launches aim to meet the demand for public housing while offering a range of choices in terms of location, flat type, and completion timeline. It is important for interested applicants to stay updated with the latest information from HDB to ensure they can participate in the desired sales exercise.

With a wide range of BTO flats planned for 2024, aspiring homeowners will have ample opportunities to secure an affordable and comfortable home for their families.

The number 19,600 holds significant importance in relation to the flats to be launched in 2024. It represents the projected number of BTO flats that will be made available for application in that year. This number signifies the government's commitment to meet the housing demand and cater to the growing needs of Singaporeans by securing affordable and quality housing.

By launching 19,600 BTO flats, the government aims to provide more options for first-time homeowners, young couples, and families looking to purchase their own homes. This figure highlights the efforts to ensure a steady supply of flats to meet the housing demand and alleviate the housing shortage in Singapore.

Understand your housing and financing options for your dream home.


Choosing a home is a crucial decision, and for many Singaporeans, a Housing and Development Board (HDB) built-to-order (BTO) flat is a popular option. In this guide, we will help you understand your housing and financing options for your dream home.

1. What is an HDB BTO?

A BTO flat is a new public housing project by HDB. These flats are built in response to demand and are sold at subsidised prices, making them more affordable for first-time home buyers. They are typically located in new housing estates and come in various flat types and sizes.

2. Eligibility Criteria

To be eligible, you need to meet certain criteria:

Citizenship: You and your co-applicants must be Singapore citizens.

Age: You must be at least 21 years old.

Family Nucleus: You must form a family nucleus, which can include your spouse, parents, and children.

Income Ceiling: Your household income should not exceed the income ceiling set by HDB.

Ownership/Other Property: You and your co-applicants must not own any other property.

3. Types of HDB BTO Flats

It comes in different types to suit various housing needs:

Studio Apartments: Designed for elderly residents, these flats feature one room with a living room, bedroom, and bathroom.

2-Room Flexi Flats: Suitable for singles, couples, or small families, these flats have a flexible layout with one or two bedrooms.

3-Room Flats: Ideal for small families, these flats consist of three bedrooms, a living room, kitchen, and bathrooms.

4-Room Flats: Designed for larger families, these flats offer four bedrooms along with common areas.

5-Room Flats: These flats provide more space and are suitable for bigger families.

Executive Flats: Offering additional space and luxurious features, these flats are designed for multi-generation families.

4. Financing Options

When it comes to financing your flat, you have several options:

HDB Loan: The Housing and Development Board provides housing loans at competitive interest rates.

Bank Loan: You can also opt for a bank loan to finance your flat, but it is subject to the bank's terms and conditions.

Central Provident Fund (CPF): You can use your CPF savings to finance the down payment and monthly mortgage repayments.

Additional CPF Housing Grant (AHG): Eligible first-time applicants can receive an AHG to help with the purchase of their HDB BTO flat.

5. Important Considerations

Before applying, consider the following factors:

Location: Choose a location that meets your needs in terms of accessibility to amenities, schools, and transportation.

Budget: Determine your budget and affordability based on your financial situation.

Future Plans: Consider your long-term plans, such as family size and potential changes in income, to ensure the flat meets your future needs.


Understanding your housing and financing options is crucial to making an informed decision. Consider your eligibility criteria, flat types, financing options, and other important considerations to choose the perfect home for your needs.

HDB BTO: Open Booking of Flats

The Housing and Development Board (HDB) launches Built-to-Order (BTO) exercises throughout the year to provide affordable housing options for Singapore citizens. During these exercises, eligible individuals or families can apply for the purchase of new HDB flats.

Here are some key points to understand about open booking:

Eligibility: To be eligible for the purchase of it, you must be a Singapore citizen, at least 21 years old, and have a stable income. Additional eligibility criteria may apply, depending on the specific BTO project.

BTO Exercise: HDB announces the launch of BTO exercises periodically, usually a few times a year. Each exercise consists of a selection of projects located in various towns or estates across Singapore.

Application Period: Interested buyers can apply for the purchase of a BTO flat during the specified application period, which typically lasts for about a week. HDB provides detailed information on the available flats, including their location, estimated completion date, flat types, and prices.

Balloting and Confirmation: After the application period closes, HDB conducts a ballot to determine the queue order for flat selection. Applicants will be notified of their ballot results and assigned a selection appointment. During the selection appointment, buyers can choose their desired flat from the available units, subject to availability and eligibility.

Sales Launches and Projects: HDB launches different sales exercises, such as the sale of balance flats (SBF) and the re-offer of balance flats (ROF), alongside BTO exercises. These exercises may include unsold flats from previous BTO launches or other special projects.

Flat Financing: Buyers can fund their BTO flat through various financing options, such as using their Central Provident Fund (CPF) savings or taking a housing loan from a financial institution. HDB also provides grants and subsidies to eligible buyers to make the purchase more affordable.

Completion and Occupancy: Once buyers have selected their flat, construction of the BTO project will commence. The estimated completion period for each project is provided by HDB. After the flats are ready, buyers will need to complete the necessary legal and financial procedures to take possession of the flat.

Remember to check HDB's website or subscribe to their mailing list for updates on upcoming BTO exercises and detailed information on each project. It is crucial to be well-informed and prepared before participating in the open booking.

HDB BTO : Upcoming Build-to-Order

Overview of HDB BTO

HDB BTO, or Build-to-Order, is a housing programme in Singapore that allows eligible citizens of Singapore to apply for and own brand new public housing. Under the BTO programme, HDB (Housing and Development Board) offers a selection of new flats in various locations, with different types and sizes to cater to the housing needs of different households.

Upcoming HDB BTO

Here are some upcoming projects that are scheduled to be launched:

1. City Scape at Farrer Park

Location: Farrer Park Projected Launch Date: 3rd Quarter 2022 Flat Types: 2-room Flexi, 3-room, 4-room, 5-room Description: City Scape at Farrer Park is an upcoming BTO project that offers modern and stylish flats. It is conveniently located near the city centre and offers easy access to amenities such as shopping malls, schools, and parks.

2. Keat Hong Verge

Location: Choa Chu Kang Projected Launch Date: 2nd Quarter 2022 Flat Types: 2-room Flexi, 3-room, 4-room, 5-room Description: Keat Hong Verge is a new BTO development located in the Choa Chu Kang area. It offers a range of flat types suitable for different family sizes. The development is conveniently situated near amenities such as schools, shopping malls, and transport options.

3. Telok Blangah Beacon

Location: Telok Blangah Projected Launch Date: 1st Quarter 2023 Flat Types: 2-room Flexi, 3-room, 4-room Description: Telok Blangah Beacon is an upcoming BTO project nestled in a tranquil and scenic area near Mount Faber Park and Labrador Park. The development is designed to provide residents with a comfortable and peaceful living environment.

Please note that the launch dates and details provided are subject to change. It's always best to refer to the official HDB website for the most up-to-date information.

For more information on upcoming BTO projects, you can visit the HDB BTO website.

HDB BTO: Upcoming Sale of Balance Flats

The Housing and Development Board (HDB) in Singapore regularly releases public housing units for sale. One of the most popular types of HDB flats is the Build-To-Order (BTO) flats, which are newly constructed and offered at lower prices. However, there are also other options available for homebuyers through the Sale of Balanced Flats (SBF) exercise.

1. What is the Sale of Balance Flats (SBF)?

Sale of Balance Flats (SBF) is a scheme by HDB that allows applicants to book and purchase unsold flats from previous BTO exercises, Re-Offer of Balance Flats (ROF) exercises, and those that are returned to HDB. These flats are typically located in mature and non-mature estates, and they can be either unselected units or units that were previously booked but eventually unselected by applicants.

2. How does the Sale of Balance Flats (SBF) exercise work?

The Sale of Balance Flats (SBF) exercise follows a similar process to the BTO exercise. Interested applicants can apply for their desired flats during the SBF application period, which is typically open for a few weeks. They can select specific flats, estates, and flat types based on their eligibility and preferences.

After the application period ends, HDB will conduct a computer ballot to allocate the flats. Applicants will receive their queue numbers, and they can check their results via the HDB website or at HDB Hub. Successful applicants will then be invited to book their flats in order of their queue number.

3. What are the advantages of choosing Sale of Balance Flats (SBF)?

Lower waiting time: Sale of Balance Flats (SBF) allows homebuyers to move into their new homes sooner as compared to BTO flats since SBF flats are already completed or nearing completion.

More location choices: The SBF exercise offers flats in both mature and non-mature estates, giving applicants a wider range of location options to choose from.

Higher chance of obtaining the desired unit: As SBF flats are selected from the remaining stock, there may be a higher chance of securing a preferred unit compared to BTO exercises, where competition can be intense.

4. How do I apply for the sale of balance flats (SBF)?

To apply for Sale of Balance Flats (SBF), interested applicants can submit their applications online via the HDB sales website during the application period. They need to meet the eligibility criteria, which include being a Singapore citizen and fulfilling the various income and family nucleus requirements.

The Sale of Balanced Flats (SBF) exercise is an alternative option for homebuyers who missed out on BTO flats or prefer to move into their new homes more quickly. It offers a variety of flat options in different locations, giving applicants a higher chance of obtaining their desired unit. Keep an eye out for the upcoming SBF exercises to secure a home that suits your needs and preferences.

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