HDB BTO (Build-To-Order) in Singapore – Latest News & Updates

Build-To-Order (BTO), commonly referred to as HDB BTO, represents a unique approach to public housing in Singapore. Designed to cater to the specific needs of Singaporeans, BTO flats are a testament to the nation’s commitment to providing quality housing for its citizens. Unlike resale flats, HDB BTOs are brand new properties that buyers can customise to their liking, offering a fresh start for many families and individuals.

The BTO system allows applicants to have flexibility in the timing of the build and the location of it when they apply. The construction of the apartments will only begin when the demand for their specific contracts pass 70% and usually have a 3.5-year waiting period as these flats are, per their name, built upon order.

BTO launch months

Annually, HDB unveils new BTO flats in February, May, August, and November. Yet, in a twist in July 2023, HDB stated that the BTO launches for August 2023 would shift to late September or early October 2023, and the new November 2023 launch would move to December 2023.

This update also included a delay in the May 2023 BTO and Sale of Balance Flats (SBF) ballot outcomes from July to August 2023.

A similar deviation occurred in 2020 when the May BTO projects were deferred and merged with the August 2020 BTO release.

BTO locations

The locations of BTOs differ with each launch, usually spanning four to five estates.

To illustrate, the BTO launch in November 2022 featured projects in five estates, whereas the one in February 2023 covered four estates. The December 2023 BTO, which was originally slated for November 2023, will introduce flats in seven HDB estates.

BTO flat types

Flat types vary across projects in different estates. For instance, those with bigger families seeking a roomy 5-room BTO flat might find that not every project provides this option. Similarly, those aiming for a compact and budget-friendly 3-room BTO flat might discover that certain mature estates don’t include it in their offerings. Among all, the 4-room BTO flat stands out as the most prevalent and sought-after type.

HDB Ethnic Integration Policy (EIP)

HDB enforces the Ethnic Integration Policy (EIP) to maintain a balanced distribution of households from various ethnic backgrounds. While the quota is updated on the first day of each month, it can generally be approximated as: 85% for Chinese, 22% for Malay, and 13% for Indian and Other Households.

You can determine your eligibility for a specific block, applicants can use this link.

Prime Location Public Housing (PLH) model

HDB introduced the Prime Location Public Housing (PLH) model on 27 October 2021. This model aims to make BTO flats in prime zones like the city centre and nearby regions (for instance, the Greater Southern Waterfront) both affordable and inclusive for households. Consequently, PLH flats come with stipulations like a subsidy clawback and a 10-year Minimum Occupation Period (MOP), among other conditions.

In the BTO launch of November 2021, the inaugural flats under the PLH model were River Peaks I & II situated in Rochor. The most recent PLH projects include the Verandah @ Kallang and the Queenstown Tanglin Halt Cascadia HDB BTO from October 2023.

However, there’s an upcoming change: BTO flats under the PLH model will be rebranded as “Prime flats”. This shift aligns with the National Day Rally 2023’s property declarations, encompassing a redefinition of BTO flats and broadening of rental and resale constraints for their owners.

New BTO classifications as per the NDR 2023 Property Announcements

In August 2023, Deputy Prime Minister and Finance Minister Lawrence Wonf made several HDB-related declarations during his NDR 2023 address. These modifications are set to be implemented starting H2 2024.

Description Predominantly found across Singapore. Located in preferred areas, like near MRTs and town centres. Situated in the most central and premium locations.
Cost Most budget-friendly with standard subsidies. Pricier than STANDARD but cheaper than PRIME. Additional subsidies available. Highest-priced but offers the most subsidies.
Minimum Occupation Period (MOP) 5 years 10 years 10 years
Resale restrictions & criteria
  • Least strict resale conditions.
  • Entire flat can be rented after MOP.
  • No income cap for resale buyers.
  • Some resale restrictions.
  • Subsidy repayment is required upon resale, but less than PRIME.
  • Resale buyers have a S$14,000 income cap for both singles and families.
  • Entire flat cannot be rented, even post-MOP.
  • At least one buyer must be a Singaporean for resale.
  • 30-month waiting period for private property owners buying resale PLUS.
  • Strictest resale conditions.
  • Subsidy repayment upon resale; no renting of the entire flat even after MOP.
  • Resale buyers must meet full BTO criteria; S$14,000 income cap for families and S$7,000 for singles.
  • At least one buyer must be Singaporean for resale.
  • 30-month waiting period for private property owners buying resale PRIME.

With the ongoing evolution and redevelopment of HDB estates, BTO flats will cease to be categorised as ‘mature’ or ‘non-mature’ estates. Instead, they will be classified based on their closeness to MRT stations and the city’s core.

More access to BTO flats for singles

Although the age criterion of 35 years and the size specification for HDB and resale flats available for singles remain unchanged, singles will not have the option to purchase 2-room Flexi Prime flats situated close to the city centre.

New BTO flats (for singles) Singles are eligible to apply for 2-room Flexi flats across STANDARD, PLUS, and PRIME categories, irrespective of the location.
Resale flats (for singles) Singles have the option to buy any size of STANDARD and PLUS flats, excluding 3Gen flats. However, for the PRIME category, only 2-room Flexi HDB flats are available to them.

Upcoming BTO launches 2023

Upcoming BTO launches 2023 BTO projects Available BTO flats
Dec 2023 BTO launch Bedok, Bishan, Bukit Merah, Bukit Panjang, Jurong West, Queenstown, Woodlands Approximately 6,010.
Feb 2024 BTO launch TBA TBA

Bedok 2023 BTO launch

HDB BTO launch December BTO 2023
Location Bounded by Chai Chee Lane and Bedok North Road
Flat types 3-room, 4-room, 5-room, and Community Care Apartments
HDB units available 1,230

The HDB BTO flats in Bedok for December 2023 are anticipated to be conveniently located within a short walk from Bedok North MRT station. However, the precise walking duration will hinge on the establishment of pedestrian pathways leading to and across Bedok North Road. For motorists, the Bedok BTO site for December 2023 is advantageously positioned adjacent to an entrance of the Pan Island Expressway (PIE).

This upcoming Bedok BTO project for December 2023 is an attractive option for those who value residing in a mature estate, especially in the eastern region. Inhabitants will enjoy the closeness to a range of sought-after facilities, such as the renowned Bedok 85 Market, the picturesque Bedok Reservoir Park, and the bustling Bedok Mall.

Nearest MRT station Bedok North MRT station
Nearest amenities Bedok Reservoir Park, Eunos Community Club, Bedok 85 Market, Bedok Mall, Bedok Active SG Swimming Complex, Kampong Kembangan Community Club, Bedok Town Park, Blk 216 Bedok Food Centre and Market, Heartbeat @ Bedok, Bedok Community Centre, and Bedok Interchange Hawker Centre.
Nearest schools Red Swastika School, Damai Secondary School, Bedok Green Secondary School, Telok Kurau Primary School, Temasek Junior College, Damai Primary School, Fengshan Primary School, and Yu Neng Primary School.

Bishan 2023 BTO launch

HDB BTO launch December BTO 2023
Location Along Sing Ming Road
Flat types 3-room and 4-room
HDB units available 730

The Bishan BTO flats set to launch in December 2023 are poised to see significant demand, given their prime location in a sought-after mature estate brimming with cherished amenities and their closeness to prestigious educational institutions.

The project’s site is conveniently situated near Raffles Institution, encompassing both its secondary school and junior college. Additionally, it’s in the vicinity of other esteemed schools like Catholic High School and SAP-affiliated Ai Tong School. The MOE Language Centre is also nearby.

A short bus journey will take residents to the Bishan Town Centre, home to popular spots like Junction 8 and the Bishan Public Library.

Moreover, the Bishan-Ang Mo Kio Park, a vast and favoured green space in the region, is within easy reach for residents. The Kallang River, accessible by bike, links to both the Kallang Park Connector and the Ang Mo Kio Park Connector. This connectivity makes the area especially appealing for outdoor enthusiasts.

Nearest MRT station Upper Thomson MRT station
Nearest amenities Bishan-Ang Mo Kio Park, Bishan Community Club, Bishan Public Library, Marymount Community Club, Bishan North Shopping Mall, Shunfu Mart, Junction 8, and Sin Ming Plaza.
Nearest schools Raffles Institution (Junior College), Kuo Chuan Presbyterian Primary School, Guangyang Secondary School, Ai Tong School, Eunoia Junior College, Whitley Secondary School, MOE Language Centre, Catholic High School, and Raffles Institution (Sec).

Bukit Merah 2023 BTO launch

HDB BTO launch December BTO 2023
Location Bounded by Alexandra Road and Prince Charles Crescent
Flat types 2-room Flexi, 3-room, and 4-room
HDB units available 900

The BTO site boasts a prime position on the city’s outskirts. Redhill MRT station is approximately a 14-minute stroll away, and Tiong Bahru MRT station is just a minute longer at about 15 minutes on foot. Both these stations offer swift access to the Central Business District (CBD), with only four stops from Redhill and three stops from Tiong Bahru.

The Bukit Merah HDB BTO project set for December 2023 is further enriched by the plethora of dining and leisure options in its vicinity. This includes trendy cafes and crowd-favourite dining spots in Tiong Bahru, such as the Tiong Bahru Food Centre, PS Cafe Petit, and the renowned Tiong Bahru Bakery. Additionally, the Delta Sports Complex, just a short distance away, provides residents with a range of facilities including a swimming pool, gym, and badminton courts.

Nearest MRT station Redhill MRT station
Nearest amenities Tiong Bahru Community Centre, Tiong Bahru Park, Alexandra Canal Linear Park, Tiong Bahru Plaza, Kim Seng Community Centre, Rumah Tinggi Eco-Park, Tiong Bahru Market & Food Centre, and Delta Sport Centre.
Nearest schools CHIJ St Theresa’s Convent, Gan Eng Seng Primary School, Crescent Girls’ School, CHIJ (Kellock), Radin Mas Primary School, Gan Eng Seng Secondary School, Zhangde Primary School, Bukit Merah Secondary School, and Alexandra Primary School.

Bukit Panjang 2023 BTO launch

HDB BTO launch December BTO 2023
Location Located near Petir Road
Flat types 2-room Flexi and 4-room
HDB units available 330

The HDB BTO project in Bukit Panjang, slated for December 2023, finds its place on Petir Road. It’s nestled between notable landmarks such as the Bukit Panjang Primary School, the Cashew Heights condominium, and Petir Park.

The project is set in a serene neighbourhood, abundant with lush greenery. Nature enthusiasts will appreciate its proximity to the expansive Chestnut Nature Park and Dairy Farm Nature Park, making the location perfect for those fond of hiking and rock climbing.

Additionally, the Cashew MRT station, part of the Downtown Line (DTL), is roughly a 13-minute walk from the site. This station offers a direct connection to the Telok Ayer MRT station in the CBD, ensuring a hassle-free 30-minute commute for working professionals.

Nearest MRT station Cashew MRT station
Nearest amenities Bukit Panjang Community Library, Pang Sua Pond, Bukit Panjang Plaza, Dairy Farm Nature Park, Hillion Mall, Chestnut Nature Park, Bukit Panjang Community Club, Bangkit Market, and Petir Park.
Nearest schools Greenridge Secondary School, CHIJ Our Lady Queen of Peace, Assumption English School, Zhenghua Primary School, and Bukit Panjang Primary School.

Jurong West 2023 BTO launch

HDB BTO launch December BTO 2023
Location Bounded by the PIE and Jurong West Street 42
Flat types 2-room Flexi, 3-room, 4-room, and 5-room
HDB units available 710

Among the non-mature estates featured in the December 2023 BTO launch, the Jurong West HDB BTO site for December 2023 is anticipated to garner the most attention. Recognized as one of the more developed non-mature estates in Singapore, it boasts a plethora of existing amenities, notably the shopping hub in Jurong East with its renowned malls. Additionally, the upcoming rejuvenation of the adjacent Jurong Lake area promises further enhancements.

The BTO flats are situated approximately a 20-minute walk from the Corporation MRT station on the JRL, which is projected to commence operations in 2027. While this distance might be slightly longer than what some might prefer, making the site’s connectivity somewhat average.

However, a significant advantage is the BTO flats’ proximity to the upcoming Jurong Innovation District, positioning it as a prime location for individuals employed in associated sectors. For those who appreciate nature, the Jurong Park Connector is just a stone’s throw away, starting near the canal and leading directly to the Jurong Lake Gardens.

Nearest MRT station Corporation MRT station (due completion in 2027)
Nearest amenities Boon Lay Shopping Centre, Jurong Innovation District, Jurong Green Community Club, ActiveSG Hockey Village @ Boon Lay, Jurong East Sports Centre, Boon Lay Community Club, and Jurong Lake Gardens.
Nearest schools Jurongville Secondary School, Hua Yi Secondary School, Jurong Primary School, Shuqun Primary School, Rulang Primary School, Yuhua Secondary School, and Fuhua Primary School.

Queenstown 2023 BTO launch

HDB BTO launch December BTO 2023
Location Bounded by the Commonwealth Avenue West and the Ulu Pandan Canal
Flat types 3-room and 4-room
HDB units available 890

The Queenstown HDB BTO project for December 2023 boasts a prime location, being adjacent to the Dover MRT station. This means residents can virtually walk from their doorsteps right into the station. Furthermore, Dover MRT station offers a direct connection to the Raffles Place MRT station in the CBD, ensuring a swift 17-minute commute without any need for line changes.

Situated in a coveted mature estate, the Queenstown BTO project for December 2023 is surrounded by desirable amenities. The vibrant Holland Village and renowned food destinations like Ghim Moh Market enhance its appeal from a lifestyle perspective.

However, potential challenges include anticipated higher costs in comparison to other BTO projects launching in December 2023. Additionally, there’s a possibility that the Queenstown BTO project for December 2023 might fall under the PLH model. Given the availability of only 3-room and 4-room BTO flats, larger families may need to consider alternative options.

Nearest MRT station Queenstown MRT station
Nearest amenities Buona Vista Community Club, Holland Village, The Star Vista, Ghim Moh Market, and Ulu Pandan Community Club.
Nearest schools Fairfield Methodist School (secondary and primary), Anglo-Chinese School (Independent), INSEAD, Singapore Polytechnic, New Town Secondary School, Essec Business School, School of Science & Technology, and Anglo-Chinese Junior College.

Woodlands 2023 BTO launch

HDB BTO launch December BTO 2023
Location Woodlands Avenue 5, Woodlands Square, North Woodlands Drive and Woodlands Avenue 5, Woodlands Avenue 3, Woodlands Street 13
Flat types 2-room Flexi, 3-room, 4-room, and 5-room
HDB units available 1,220 (across two sites)

The two HDB BTO sites in Woodlands set for December 2023 are strategically positioned close to the Woodlands MRT station, with an approximate 5-minute walk varying based on the specific block and unit. The Woodlands MRT station offers a direct route to Raffles Place MRT station, facilitating a roughly 40-minute commute, which is relatively straightforward considering its distance from the city’s core.

Being nestled in Woodlands Central presents numerous perks. The bustling Causeway Point mall is merely moments away, and so is the Woodlands Regional Library situated within the Woodlands Civic Centre. Additionally, the ease of access to Johor Bahru is a notable advantage, with a bus service from Causeway Point leading to the checkpoint in close proximity.

In essence, the Woodlands HDB BTO sites for December 2023 are favourably located, challenging the common perception of Woodlands being distant from the city centre. Given that the BTO flats in Woodlands for December 2023 are expected to be competitively priced, they might emerge as hidden gems for those seeking value for money.

Nearest MRT station Woodlands MRT station
Nearest amenities Woodlands Civic Centre, Woodlands Town Park East, Causeway Point, Admiralty Park, Woodlands Regional Library, and Woodlands Community Club.
Nearest schools Woodlands Secondary School, Fuchun Primary School, Riverside Secondary School, Woodgrove Primary School, Marsiling Primary School, Singapore Sports School, Yishun Innova Junior College, Si Ling Primary School, Qihua Primary School, Woodgrove Secondary School, Innova Primary School, Republic Polytechnic, Marsiling Secondary School, Fuchun Secondary School, and Christ Church Secondary School.

HDB BTO application and selection process

BTO flat types

Flat type Availability Description Features
Community Care Apartment From HDB only Apartments designed with senior-friendly features, offering care services tailored to individual needs and social activities for seniors to age with independence. 1 bedroom, 1 bathroom, Combined living, dining, and kitchen area.
2-room Open market only Budget-friendly housing suitable for lower-income groups, singles, and elderly. Seniors can opt for shorter leases for further affordability. 1 bedroom, 1 bathroom, Living and dining space, Kitchen, Shelter space. 
2-room Flexi HDB or open market
Short-lease 2-room From HDB only
3-room HDB or open market Compact and efficient living spaces that cater to essential living needs. 2 bedrooms (including a master bedroom with an en-suite bathroom), Common bathroom, Living area, Kitchen, Utility.
4-room HDB or open market Perfect for young families or couples, offering a balance of space and functionality. 3 bedrooms (including a master bedroom with an en-suite bathroom), Common bathroom, Living area, Kitchen, Yard.
5-room HDB or open market Designed for larger families, providing ample space for comfort and activities. 3 bedrooms (including a master bedroom with an en-suite bathroom), Common bathroom, Living area, Kitchen, Yard, Study.
3Gen HDB or open market Tailored for multi-generational families, promoting closer family ties and shared living. 4 bedrooms (2 with en-suite bathrooms), Common bathroom, Living area, Kitchen, Yard.
Executive Open market only  Comes with additional study space, which can be transformed into a cosy living area. Some units also feature a balcony for a touch of luxury. Master bedroom with en-suite bathroom, 2 additional bedrooms, Common bathroom, Living and dining space, Kitchen.

HDB BTO priority schemes

Prospective buyers have the option to submit an application for their desired flat and estate. A ballot process will then determine the success of their application.

On 24th February 2023, Deputy Prime Minister and Finance Minister Lawrence Wong highlighted in the Budget 2023 address that qualified first-time families with children, as well as couples below the age of 40, will receive an extra BTO ballot when they apply during BTO sales launches. This amendment took effect from the HDB BTO launch in October 2023.

In addition to this, first-time applicants are granted higher priority when it comes to new flats. The allocation of flat supply for various household categories is as follows:

Family and Parenthood Priority Scheme (FPPS)

From the HDB BTO launch in October 2023 and beyond, the Parenthood Priority Scheme (PPS) underwent a rebranding and is now known as the Family and Parenthood Priority Scheme (FPPS). This revamped scheme introduces a focus on a specific group of first-time applicants, termed as First-timer (Parents & Married Couples) or FT(PMC). In every BTO launch, up to 40% of BTO flats are earmarked for this category.

Multi-Generation Priority Scheme (MGPS)

For parents 20 units, up to 15% of 2-room Flexi or 3-room BTO flats
For married children Corresponding number of 2-room Flexi or bigger BTO flats

Married Child Priority Scheme (MCPS)

2-room Flexi non-mature estate BTO flats 5%
3-room non-mature estate BTO flats 30%
4-room and 5-room non-mature estate BTO flats 30%
2-room Flexi and bigger mature estate BTO flats 30%

Other families

2-room Flexi BTO flats 10%
3-room BTO flats 25%
4-room and 5-room BTO flats 35%


2-room Flexi BTO flats 65%
3-room BTO flats N/A
4-room and 5-room BTO flats N/A

Second-timer families under the MCPS

2-room Flexi non-mature estate BTO flats 5%
3-room non-mature estate BTO flats 5%
4-room and 5-room non-mature estate BTO flats 3%
2-room Flexi and bigger mature estate BTO flats 3%

Assistance Scheme for Second-Timers (ASSIST) (Divorced/Widowed parents)

2-room Flexi BTO flats 5%
3-room BTO flats 5%
4-room and 5-room BTO flats

How to apply for a BTO flat

  1. Pick from the location sites announced in BTO sales launches.
  2. Apply for the HFE Letter
    1. Starting from 9th May 2023, the HDB Loan Eligibility (HLE) letter was superseded by the new HDB Flat Eligibility (HFE) letter. The HFE letter serves to provide information regarding your eligibility for an HDB flat, your qualification for the CPF Housing Grant, your eligibility for an HDB loan, and the respective amounts you are entitled to and can borrow.
    2. For individuals not opting for an HDB loan to finance their BTO flat, it’s essential to seek an In-Principal Approval (IPA) from participating Financial Institutions (FIs) via the HDB Flat Portal.
    3. For applications starting from the BTO launch in September 2023, a valid HFE letter is a prerequisite.
    4. To acquire your HFE letter, you can input your details for an initial HFE assessment through the HDB Flat Portal.
  3. Submit the BTO application
  4. Wait to receive the results
    1. The queue positions for applicants to select flats are established through a balloting process. Applicants can monitor their status for any updates. Those who are successful in the ballot will receive an invitation to book a BTO flat.
  5. Book a BTO flat
    1. Before your appointment with HDB, ensure you review the availability of the flats.
    2. When attending, applicants must have the necessary documents with them. If you’re securing a housing loan from a bank or Financial Institution (FI), it’s imperative to provide a Letter of Offer. This Letter of Offer (LO) serves to validate your housing loan.
  6. Sign the Lease Agreement
    1. You’ll be prompted to sign the Agreement for Lease within nine months from the date you booked your BTO flat. At the time of signing the Agreement for Lease, the down payment is also due. If you qualify, the Staggered Downpayment Scheme is an available option to consider.
  7. Collect the keys
    1. Can be collected after 3.5 years after the construction is completed.

Balloting process

From September 2023 onwards, first-time BTO applicants who are allotted a BTO ballot but choose not to pick a flat will be treated as second-timers for a duration of one year. If they refrain from selecting a flat during their second BTO application, they will face a one-year restriction from applying for a BTO flat. While every prospective buyer has the opportunity to apply for a BTO, the odds in the balloting process might differ.

Unsuccessful applications Initial chances Additional chances Total chances
0 to 1 2 0 2
2 2 1 3
3 2 2 4
4 2 3 5

Within non-mature estates, first-timer families or couples are granted extra ballot chances if their initial two applications don’t succeed.

An application is deemed unsuccessful solely if the applicant doesn’t receive an invitation to choose a BTO flat. Due to the limited availability of flats in mature estates, no additional chances are provided for BTO launches in these areas.

HDB BTO eligibility criteria

New HDB flats, being subsidised, are intended primarily for Singapore Citizens. Prospective buyers, along with any co-applicants and essential occupants, must satisfy various eligibility criteria prior to applying for a flat.

For first-timer households that consist of a single Singapore Citizen and one or more Singapore Permanent Residents, there’s a requisite premium of $10,000 to be paid during the flat purchase.

Should there be a conversion to Singapore Citizenship or if the applicants have a child who is a Singapore Citizen, they can then apply for the additional $10,000 Citizen Top-Up Grant.

Eligible applicant/Family focus Details
Eligible schemes
  • Public scheme.
  • Fiancé/Fiancée scheme.
  • Orphans scheme.
  • Minimum of one applicant must be a Singaporean citizen.
  • Additionally, there should be at least one other applicant who is either a Singaporean citizen or a Singapore Permanent Resident (PR).
Age Applicants must be at least 21 years old.
Income ceiling Applicants’ income should fall within the stipulated income ceiling for the specific flat they aim to purchase.
Property ownership
  • Applicants should neither have owned nor held interest in any form of private property, if they previously did.
  • They must have sold the private property at least 30 months prior to applying for the HDB Flat Eligibility (HFE) letter.

HDB BTO eligibility scheme

Applicants can secure a new flat under any of the prevailing eligibility schemes. Below are the schemes that individuals, whether as singles, couples, or families, can apply for, along with some overarching criteria:

Scheme Applicant’s family composition Criteria 3Gen BTO flat applications
Public Sch


  • Spouse and children (if any).
  • Parents and siblings (if any).
  • Children under the applicant’s care (if widowed/divorced).
  • Age 21 years and above.
  • Family nucleus includes one Singapore citizen and at least one other Singapore citizen/PR.
  • Married/engaged couple and parents.
  • Widowed/divorced with children under custody and parents.
Fiancé/Fiancée Scheme Spouse-to-be
  • Age 21 years and above.
  • One Singapore citizen and at least one other Singapore citizen or PR.
  • Submit marriage certificate upon or before flat possession.
  • Depending on circumstances, may need:
    • Written parental consent.
    • Special marriage licence.
  • Married/engaged couple and parents.
  • Widowed/divorced with children under custody and parents.
Single Singapore Citizen Scheme (SCSS) N/A
  • Singles aged 35 and above, Singapore citizens.
  • For 2-room Flexi BTO flats in non-mature estates with a monthly income ceiling of $7,000.
  • Only first-timer core applicants qualify.
Joint Singles Scheme (JSS) N/A
  • Singles aged 35 and above.
  • Must be a Singapore citizen and include at least one other co-applicant who is also a Singapore citizen.
  • For 2-room Flexi BTO flats in non-mature estates with a monthly income ceiling of $7,000.
  • Only first-timer core applicants qualify.
Non-Citizen Spouse Scheme Couples where one is a Singapore Citizen and the other is neither a Singapore Citizen nor PR
  • At least 35 years old.
  • Non-resident spouse needs a valid Visit Pass or Work Pass.
  • For 2-room Flexi BTO flats in non-mature estates with a monthly income ceiling of $7,000.
  • Must be a first-timer applicant.
Orphans Scheme Siblings who are orphans and unmarried
  • At least one deceased parent was a Singapore Citizen/PR.
  • All siblings must be single.

BTO flat application income ceiling

The income ceiling is contingent upon the specific flat type you aim to buy. If an applicant’s average gross monthly household income surpasses this ceiling, they will be ineligible to apply for that particular flat type.

BTO flat type Income ceiling (average gross monthly household income)
3-room BTO flat S$7,000 or S$14,000 (project dependant)
4-room BTO flat S$14,000 or S$21,000 for purchase with extended or multi-generational family

Income and allowances play a significant role in determining an individual’s income ceiling. Factors that are taken into account include allowances (both fixed and variable) that are received on a regular basis, such as those for food, transport, laundry, and uniforms. Additionally, pensions, stipends, and sustenance are also considered.

On the other hand, there are specific sources of income and allowances that are not taken into consideration when determining the income ceiling. These exclusions comprise alimony allowances, bonuses, director fees, income from overtime work, overseas scholarship allowances, interest from deposit accounts, National Service allowances, and rental income. Additionally, all applicants should check the documents that are needed based on the nature of their employment.

First or second-timer status

First-timer applicants:

For those classified as first-timers, neither the applicant nor any other listed owners and essential occupiers should have previously purchased a flat from HDB or an EC/DBSS flat from a developer. Additionally, they should not have sold a flat acquired from HDB or an EC/DBSS flat bought from a developer. They must also not have received any CPF Housing Grant for the acquisition of a resale flat or taken any form of housing subsidy. Such applicants are accorded priority and privileges in the application process.

Second-timer applicants:

On the other hand, second-timer applicants, or any other listed owners and essential occupiers, would have had prior experience in owning or selling properties. This includes having owned or sold an HDB flat bought directly from HDB, a resale flat purchased using a CPF Housing Grant, or an EC/DBSS flat procured from a developer. They would also have previously benefited from some form of housing subsidy. Unlike first-timers, these applicants do not receive any special priority or privileges.

Determining wait-out period

In certain situations, an applicant must undergo a specified waiting period before they can either apply for or be included in a new flat application. First-timer applicants, due to their more urgent housing requirements, are given higher priority and additional privileges when applying for a flat. Interestingly, when a couple consists of one first-timer and one second-timer applicant, they are treated as a first-timer couple, allowing them to benefit from the same enhanced priority advantages.

An applicant can be classified into two categories. The first category includes current owners or occupiers of a flat or Executive Condominium (EC) who have not yet fulfilled the Minimum Occupation Period (MOP) requirements of their flat. The second category comprises individuals who have previously applied but either cancelled their flat application or chose not to book a flat consecutively on two occasions.

Regarding the type of property owned or occupied, the first category of applicants typically owns or resides in an HDB flat purchased directly from HDB, a resale flat acquired using a CPF Housing Grant, or an EC/DBSS flat bought from the developer. For these applicants, the wait-out period is determined by the MOP, which is five years. However, if the flat falls under the PLH model, the wait-out period extends to 10 years.

HDB BTO flat financing

Here’s a breakdown of the costs and fees associated with different stages of the process:

    1. Application submission: You’ll need to pay a S$10 application fee, and the payment can be made through Credit Card.
    2. Booking a BTO flat: There’s an option fee to be paid in cash. This step signifies your commitment to the purchase.
  • Signing the agreement for lease:
  • Stamp duty and legal fees: The exact amounts may vary.
  • Downpayment: The sum depends on whether you’ve chosen the Staggered Downpayment Scheme. Payments can be made in cash or through your CPF (Central Provident Fund).

For precise figures related to the Agreement for Lease, you can find detailed information on HDB’s official website. Understanding these financial aspects is crucial for a smooth home-buying experience.

  • Collection of keys:
  • Purchase price: The amount varies based on your chosen flat.
  • Home Protection Scheme: Ensuring your new home is safeguarded.
  • Fire Insurance: A vital protective measure for your property.
  • Remaining down payment: The sum depends on your participation in the Staggered Downpayment Scheme. Payable through Cash or CPF.

Essential payments overview:

Stage Payment details Accepted payment methods
Submitting the application A nominal S$10 application fee Credit card
Booking a BTO flat To confirm your commitment, an option fee must be paid. Cash
Signing agreement for lease This stage involves covering expenses such as stamp duty, legal fees, and a partial down payment.  Cash or CPF
Collection of keys The final payments encompass various elements: stamp duty, legal fees, Home Protection Scheme, Fire Insurance, remaining down payment, and the balance of the purchase price. Cash or CPF

HDB BTO flat financing with CPF

Ensuring a smooth transaction involves having the right funds in place.

This is where your CPF Ordinary Account (OA) savings come into play for initial payments, flat purchase, and monthly housing loan instalments. 

However, do note that CPF withdrawal limits vary based on your housing loan type.

CPF Housing Grants

CPF Housing Grants are crucial subsidies provided by the Singapore government to eligible citizens. These grants are directly credited to applicants’ CPF Ordinary Accounts (OA) and can be utilised to reduce the initial payment required for a flat, thus lowering the overall housing loan amount.

Introduced in September 2019, the Enhanced CPF Housing Grant (EHG) has replaced the Additional CPF Housing Grant (AHG) and Special CPF Housing Grant (SHG). EHG is applicable to both new HDB flats and resale flats, without any restrictions regarding flat type or location. 

To qualify for EHG, first-timer households need to have an average gross monthly income below S$9,000, and the flat must have a remaining lease of more than 20 years. Detailed eligibility criteria can be found here for further reference.

Applicants fall into specific categories, including: 

  • First-timers
  • Second-timers
  • First-timer and second-timer couples
  • Those under specialised schemes like the: 
    • Non-Citizen Spouse Scheme
    • Single Singapore Citizen Scheme
    • Joint Singles Scheme (JSS) or Orphan Scheme. 

These grants present a valuable opportunity for eligible individuals or families to ease the financial burden associated with home ownership.

Category First-timers Second -timer Couples (First-timers/Second -timers) Non-Citizen Spouse


Single Citizen


JSS*/Orphan Scheme
Enhanced CPF Housing Grant (EHG) Eligible Not Applicable Eligible for EHG (Singles) Not Applicable Eligible for EHG (Singles) Eligible for EHG (Singles)
Other Grants Not Applicable Step-Up CPF Housing Grant (SUHG) Not Applicable Not Applicable Not Applicable Not Applicable
Maximum grant amount Up to S$80,000 Up to S$15,000 Up to S$40,000 Up to S$15,000 Up to S$40,000 Up to S$80,000

*Applies to 2-room Flexi flats in non-mature estates

Eligibility is determined by:

  • Remaining flat lease
  • Employment status
  • Property ownership history
  • Income ceiling
  • Previous housing subsidies received

For more information on this, read our comprehensive guide on HDB grants here

HDB BTO flat financing with HDB loan

The Housing Development Board (HDB) offers housing loans at a reduced interest rate to eligible flat buyers. Your eligibility for an HDB loan will be assessed when you provide your personal information during the preliminary HDB Flat Eligibility (HFE) check. 

At this stage, you’ll also be informed about the loan amount you qualify for. Once the preliminary HFE check is complete, you can proceed to submit your HFE letter application.

Eligibility criteria

To qualify, applicants and essential occupants must fulfil the following conditions:

  • At least one buyer must be a Singapore Citizen.
  • The monthly household income should not exceed S$14,000 (or S$21,000 for extended families).
  • The applicant must not have availed more than two HDB loans in the past.
  • Ownership of any private residential property (in Singapore or overseas) is not allowed.
  • The applicant should not have sold any private residential property within 30 months before applying for the loan.
Loan aspects Specifications
Down payment Can be entirely settled using CPF
Loan limit Up to 80% of the property’s value or purchase price, whichever is lower
Interest rate Fixed at 2.6%, slightly above the CPF OA interest rate
Repayment term Capped at 25 years or until the buyer reaches 65 years old, whichever is shorter
Monthly payments Limited to 30% of applicants’ monthly income
Insurance Includes HDB Fire Insurance Policy and Home Protection Scheme (HPS)

HDB BTO flat financing with bank loan

If ineligible for an HDB housing loan, applicants have the flexibility to opt for a bank loan provided by institutions regulated by the Monetary Authority of Singapore (MAS).

An In-Principle Approval (IPA) can be requested from participating Financial Institutions (FIs) through the HDB Flat portal. 

HDB BTO record breaking prices and transactions

Highest priced BTO during launch

The launch of Central Weave @ Ang Mo Kio in August 2022 made waves by introducing 5-room BTO flats with jaw-dropping price tags, some reaching as high as S$877,000. 

Surprisingly, despite the exorbitant prices, these units experienced overwhelming demand, underscoring the scarcity of larger HDB flats and the preference for modern amenities and newer developments. 

The event sparked discussions about the potential emergence of the first million-dollar BTO unit. 

Highest Per Square Foot (PSF)

Meanwhile, a 4-room flat located in Block 1C of the iconic Pinnacle@Duxton development achieved a historic milestone in April 2023. 

While not setting a record for the highest total price, this property sale managed to attain an unprecedented price per square foot (PSF) of S$1,369. 

This milestone highlighted the growing trend of valuing properties not just by their overall cost but also by their PSF rate, indicating the premium placed on limited urban space.

Largest BTO project

The colossal BTO project at Tampines GreenVerge comprises a staggering 2,022 units spread across 20 blocks. 

Anticipated for completion in 2026, the project redefines the scale and ambition of public housing initiatives in Singapore. 

This project not only addresses the growing demand for housing but also emphasises the importance of community-centric planning, incorporating a plethora of communal facilities. 

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