Build-to-order (BTO), called 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 build’s timing and location when they apply. The construction of the apartments will only begin when the demand for their specific contracts passes 70% and usually has a 3.5-year waiting period as these flats are, per their name, built upon order.
In 2024, HDB has ambitious plans to introduce approximately 19,600 flats across three sales launches scheduled for February, June, and October. These launches are strategically aimed at offering homebuyers a wider array of flats in diverse locations. HDB is committed to ensuring that three out of every four flats offered have four years or fewer waiting times.
This approach departs from the typical BTO launch schedule observed annually, which traditionally occurs in February, May, August, and November. However, in July 2023, HDB announced an unprecedented shift in the BTO launch timeline. Specifically, the BTO launches initially slated for August 2023 were postponed to late September or early October 2023, with the November 2023 launch rescheduled to December 2023.
This change delayed the release of the May 2023 BTO and Sale of Balance Flats (SBF) ballot outcomes, which were pushed from July to August 2023. This shift mirrors a similar deviation observed in 2020, when the May BTO projects were deferred and merged with the August 2020 BTO release.
| Upcoming BTO launches in 2025 | BTO projects | Available BTO flats |
| February BTO 2025 | Kallang/Whampoa, Queenstown, Woodlands, and Yishun. | Approximately 5,000 flats |
Subsidy recovery percentages for Plus and Prime projects – October 2024 BTO exercise
Here’s a breakdown of the subsidy recovery percentages for the October 2024 BTO projects:
| Category | Project | Subsidy recovery percentage |
| Plus | Central Trio @ Ang Mo Kio | 6% |
| Kembangan Wave, Bayshore Vista | 7% | |
| Bayshore Palms, Merpati Alcove | 8% | |
| Kallang View, Towner Breeze | 8% | |
| Prime | Crawford Heights | 9% |
| Project Name | Central Trio @ AMK |
| BTO Classification | Plus |
| Location | Ang Mo Kio |
| Description | 422 units of 2-room Flexi and 4-room flats, located between Yio Chu Kang and Ang Mo Kio MRT stations. Close proximity to reputable schools and Bishan-Ang Mo Kio Park. |
| Nearest MRT Station | Yio Chu Kang MRT, Ang Mo Kio MRT |
| Flat Types and Prices | 2-room Flexi: From S$187,000 (Excl. grants) / From S$67,000 (Incl. grants)
4-room: From S$481,000 / From S$426,000 |
| Transacted Prices of Nearby Resale Flats | S$740,000 – S$915,888 |
| Project Details | Information |
| Project Name | Bayshore Vista, Bayshore Palms, Kembangan Wave |
| BTO Classification | Plus |
| Location | Bedok (Bayshore Walk, Bayshore Drive, Kembangan) |
| Description | 1,444 units across three projects: Bayshore Vista (734 units), Bayshore Palms (710 units), Kembangan Wave (348 units). Mix of 2-room Flexi, 3-room, and 4-room flats. Projects are well-connected to Bayshore MRT and Kembangan MRT, offering scenic views and convenient access to amenities. |
| Nearest MRT Station | Bayshore MRT (for Bayshore Vista and Bayshore Palms), Kembangan MRT (for Kembangan Wave) |
| Flat Types and Prices | 2-room Flexi: From S$190,000 (Excl. grants) / From S$70,000 (Incl. grants)
3-room: From S$369,000 / From S$279,000 4-room: From S$453,000 / From S$398,000 |
| Transacted Prices of Nearby Resale Flats | 2-room Flexi: –
3-room: S$605,000 – S$663,000 4-room: S$728,000 – S$930,000 |
| Project Details | Information |
| Project Name | WestBrickVille @ Bukit Batok |
| BTO Classification | Standard |
| Location | Bukit Batok |
| Description | 689 units of 2-room Flexi, 3-room, 4-room, 5-room, and 3Gen flats. Approximately 15-minute walk from Tengah Park MRT. Known for nearby green spaces like Little Guilin and Bukit Batok Nature Park. Enhanced connectivity with the upcoming Jurong Region Line. |
| Nearest MRT Station | Tengah Park MRT |
| Flat Types and Prices | 2-room Flexi: From S$140,000 (Excl. grants) / From S$20,000 (Incl. grants)
3-room: From S$247,000 / From S$142,000 4-room: From S$335,000 / From S$255,000 5-room: From S$496,000 / From S$441,000 3Gen: From S$529,000 / From S$474,000 |
| Transacted Prices of Nearby Resale Flats | 2-room Flexi: S$303,000 – S$380,000
3-room: S$450,000 – S$488,000 4-room: S$555,000 – S$648,888 5-room: S$630,000 – S$828,888 3Gen: – |
| Project Details | Information |
| Project Name | Merpati Alcove |
| BTO Classification | Plus |
| Location | Geylang |
| Description | 433 units of Community Care Apartments (CCA) and 4-room flats. Located near Mattar and MacPherson MRT stations. Geylang is known for its cultural heritage and food scene. Ideal for community care living with fast access to the CBD. |
| Nearest MRT Station | Mattar MRT station, MacPherson MRT station |
| Flat Types and Prices | CCA+ (30-year Lease): From S$102,000 (Excl. grants) / From S$6,000 (Incl. grants)*
4-room: From S$530,000 / From S$475,000 |
| Transacted Prices of Nearby Resale Flats | 4-room: S$878,000 – S$1,080,000 |
| Project Details | Information |
| Project Name | Taman Jurong Skyline |
| BTO Classification | Standard |
| Location | Jurong West |
| Description | Largest project in the October 2024 BTO launch with 1,844 units. Offers 2-room Flexi, 3-room, 4-room, 5-room, and 3-Gen flats. Close to Jurong Lake Gardens and future Jurong Region Line stations. Includes amenities like Jurong Point shopping centre. |
| Nearest MRT Station | Lakeside MRT station, Chinese Garden MRT station |
| Flat Types and Prices | 2-room Flexi: From S$109,000 (Excl. grants) / From S$6,000 (Incl. grants)*
3-room: From S$209,000 / From S$104,000 4-room: From S$290,000 / From S$210,000 5-room: From S$427,000 / From S$372,000 3Gen: From S$465,000 / From S$410,000 |
| Transacted Prices of Nearby Resale Flats | 2-room Flexi: S$305,000 – S$355,000
3-room: S$450,000 – S$480,000 4-room: S$563,000 – S$680,000 5-room: S$680,000 – S$712,888 |
| Project Details | Information |
| Project Name | Towner Breeze, Crawford Heights, Kallang View |
| BTO Classification | Prime (Crawford Heights), Plus (Towner Breeze, Kallang View) |
| Location | Kallang/Whampoa |
| Description | Kallang/Whampoa offers three distinct projects in the October 2024 BTO launch, each in prime or plus locations with easy access to MRT stations. |
| Nearest MRT Station | Towner Breeze: Boon Keng MRT station (11-minute walk)
Crawford Heights: Lavender MRT station (5-minute walk) Kallang View: Kallang MRT station (8-minute walk) |
| Flat Types and Prices | Towner Breeze (May Road):
2-room Flexi: From S$216,000 (Excl. grants) / From S$96,000 (Incl. grants) 3-room: From S$388,000 / From S$298,000 4-room: From S$522,000 / From S$467,000 Crawford Heights (North Bridge Road/Crawford Road): 3-room: From S$390,000 / From S$300,000 4-room: From S$568,000 / From S$513,000 |
| Transacted Prices of Nearby Resale Flats | Towner Breeze:
3-room: S$780,000 – S$820,000 4-room: S$868,000 – S$1,200,000 Crawford Heights: 4-room: S$890,000 – S$938,000 |
| Project Details | Information |
| Project Name | Costa Riviera I & II |
| BTO Classification | Standard |
| Location | Pasir Ris |
| Description | Pasir Ris will feature 767 units across two blocks in the October 2024 BTO launch. Costa Riviera II will have 491 units, while Costa Riviera I will offer 276 units. With its proximity to Pasir Ris MRT and nature amenities like Pasir Ris Park, this project is ideal for families. |
| Nearest MRT Station | Pasir Ris MRT station |
| Nearest Schools | Casuarina Primary School, Coral Primary School, Elias Park Primary School, Hai Sing Catholic School, Meridian Primary/Secondary School, Pasir Ris Crest Secondary School, Pasir Ris Primary School, Park View Primary School |
| Flat Types and Prices | Costa Riviera I & II:
2-room Flexi: From S$194,000 (Excl. grants) / From S$74,000 (Incl. grants) 3-room: From S$329,000 / From S$224,000 4-room: From S$481,000 / From S$401,000 5-room: From S$635,000 / From S$580,000 3Gen: From S$644,000 / From S$589,000 |
| Transacted Prices of Nearby Resale Flats | 2-room Flexi: S$388,000 – S$430,000
3-room: S$525,000 – S$540,888 4-room: S$612,000 – S$745,000 5-room: S$825,000 – S$843,000 |
| Project Details | Information |
| Project Name | Fernvale Sails and Fernvale Oasis |
| BTO Classification | Standard |
| Location | Sengkang |
| Description | Sengkang will feature two family-centric projects in the October 2024 BTO launch, with a total of 1,396 units. Both projects, Fernvale Sails and Fernvale Oasis, are strategically located near amenities like Sengkang Riverside Park and Compass One Mall, making them ideal for families. |
| Nearest MRT Station | Fernvale Sails: Layar LRT station
Fernvale Oasis: Thanggum LRT station, Kupang LRT station |
| Nearest Schools | Fern Green Primary School, Fernvale Primary School, Pei Hwa Secondary School, Sengkang Green Primary School, Springdale Primary School |
| Flat Types and Prices | Fernvale Oasis, Fernvale Sails:
2-room Flexi: From S$126,000 (Excl. grants) / From S$7,000 (Incl. grants) 3-room: From S$277,000 / From S$172,000 4-room: From S$324,000 / From S$244,000 5-room: From S$465,000 / From S$410,000 |
| Transacted Prices of Nearby Resale Flats | 3-room: S$440,000 – S$515,000
4-room: S$526,000 – S$668,000 5-room: S$640,000 – S$790,000 |
| Project Details | Information |
| Project Name | Marsiling Ridge |
| BTO Classification | Standard |
| Location | Woodlands |
| Description | The October 2024 BTO project in Woodlands, Marsiling Ridge, offers 292 units across 4-room and 5-room flats. Its prime location near Marsiling MRT station and the upcoming North-South Corridor enhances connectivity. Close proximity to the Woodlands Regional Center and Admiralty Park makes this project attractive for residents seeking a balance between suburban living and urban conveniences. |
| Nearest MRT Station | Marsiling MRT station |
| Nearest Schools | Fuchun Primary School, Fuchun Secondary School, Marsiling Primary School, Marsiling Secondary School, Singapore American School, Si Ling Primary School, Woodlands Secondary School |
| Flat Types and Prices | Marsiling Ridge:
4-room: From S$329,000 (Excl. grants) / From S$249,000 (Incl. grants) 5-room: From S$488,000 / From S$433,000 |
| Transacted Prices of Nearby Resale Flats | 4-room: S$560,000 – S$696,000
5-room: S$680,000 – S$826,000 |
| Project name | Tanjong Rhu Riverfront I & II |
| Nearest MRT station | Tanjong Rhu MRT (10-minute walk away) and Katong Park MRT (8-minute walk away) opening on 23 June 2024. |
| Nearest schools |
|
| Types of units available | First plot (1,400 units)
2-room flex (390 units) |
| Project name | Holland Vista |
| Nearest MRT station | Holland Village MRT Station (9-minute walk away) |
| Nearest schools |
|
| Types of units available | 2-room Flexi (110 units)
4-room (220 units) Total: 330 flats |
| Project name | Marsiling Peak I & II |
| Nearest MRT station | Woodlands North MRT and Woodlands MRT |
| Nearest schools |
|
| Types of units available | 2-room flexi (600 units)
3-room (180 units) 4-room (420 units) 5-room (360 units) 3Gen (30 units) Total: 1,590 flats |
| Project name | Chencharu Hills |
| Nearest MRT station | Khatib MRT Station (15-minute walk away) |
| Nearest schools |
|
| Types of units available | 2-room flexi (380 units)
3-room (80 units) 4-room (420 units) 5-room (390 units) Total: 1,270 flats |
| Project name | Teban Breeze |
| Nearest MRT station | Pandan Reservoir MRT station (opening in 2028) |
| Nearest schools |
|
| Types of units available | 2-room flexi flats (290 units)
3-room flats (110 units) 4-room flats (440 units) 5-room flats (230 units)Total: 1,070 flats |
| Project name | Tampines GreenTopaz |
| Nearest MRT station | Tampines West MRT Station (3-minute walk away) |
| Nearest schools |
|
| Types of units available | 2-room flexi (170 units)
4-room (210 units) 5-room (170 units)Total: 550 flats |
| Project Name | Tanglin Halt Courtyard |
| Location | Tanglin Halt |
| Description | Tanglin Halt is hosting an integrated development featuring approximately 251 two-room flexi and four-room flats. This is the second BTO project in Tanglin Halt, part of a larger plan to construct up to 5,500 flats over the next decade. |
| Features | The integrated development includes HDB flats, shops, a hawker centre, a market, and the relocation of Queenstown Polyclinic. |
| Demand | Property analysts anticipate significant demand due to its prime location and proximity to amenities. |
| Housing Model | Prime Location Housing (PLH) is a model subject to a 10-year Minimum Occupation Period (MOP) and specific HDB regulations unique to PLH projects. |
| Nearest MRT Station | Commonwealth MRT |
| Flat Types and Prices | |
| 2-room Flexi | Starting from S$235,000 (Excluding grants), Starting from S$155,000 (Including grants) |
| 4-room | Starting from S$565,000 (Excluding grants), Starting from S$520,000 (Including grants) |
| Transacted prices of nearby resale flats for 4-room | S$848,888—S$1,000,000 |
| Project Name: | Bedok South Bloom, Bedok North Springs |
| Location | Bedok |
| Description | Bedok introduces two projects offering 961 two-room flexi, four-room, and five-room flats, providing diverse options for potential homeowners. |
| Nearest MRT Station | Bedok and Tanah Merah MRT stations |
| Flat Types and Prices | |
| 2-room Flexi | From S$155,000 (Excluding grants), From S$75,000 (Including grants) |
| 4-room | From S$451,000 (Excluding grants), From S$406,000 (Including grants) |
| 5-room | From S$605,000 (Excluding grants), From S$575,000 (Including grants) |
| Transacted Prices of Nearby Resale Flats | |
| 4-room | S$690,000 – S$858,888 |
| 5-room | S$870,000 – S$970,000 |
| Project Name: | Matilda Riverside |
| Location | Punggol |
| Description | Punggol introduces a 962-unit project in Sumang Lane, offering two-room flexi, three-, four-, and five-room flats with diverse choices for residents. |
| Nearest MRT Station | Punggol MRT station (approximately a 25-minute walk away) |
| Flat Types and Prices | |
| 2-room Flexi | From S$131,000 (Excluding grants), From S$51,000 (Including grants) |
| 3-room | From S$242,000 (Excluding grants), From S$167,000 (Including grants) |
| 4-room | From S$318,000 (Excluding grants), From S$258,000 (Including grants) |
| 5-room | From S$464,000 (Excluding grants), From S$419,000 (Including grants) |
| Transacted Prices of Nearby Resale Flats | |
| 2-room Flexi | S$325,000 – S$360,000 |
| 3-room | S$425,000 – S$455,000 |
| 4-room | S$530,000 – S$605,000 |
| 5-room | S$650,000 – S$745,000 |
| Project Name: | Woodgrove Edge |
| Location | Woodlands |
| Description | Woodlands introduces a massive 1,127-unit project along Woodgrove Avenue and Rosewood Drive, offering two-room flexi, three-, four-, and five-room flats. |
| Nearest MRT Station | Woodlands South MRT Station |
| Flat Types and Prices | |
| 2-room Flexi | From S$119,000 (Excluding grants), From S$39,000 (Including grants) |
| 3-room | From S$223,000 (Excluding grants), From S$148,000 (Including grants) |
| 4-room | From S$303,000 (Excluding grants), From S$243,000 (Including grants) |
| 5-room | From S$412,000 (Excluding grants), From S$367,000 (Including grants) |
| Transacted Prices of Nearby Resale Flats | |
| 2-room Flexi | S$320,000 – S$348,000 |
| 3-room | S$415,000 – S$470,000 |
| 4-room | S$520,000 – S$615,888 |
| 5-room | S$620,000 – S$718,000 |
| Project Name: | Rail Garden @ CCK |
| Location | Choa Chu Kang |
| Description | Choa Chu Kang presents a project comprising 465 two-, three-, and four-room flexi, three-, and four-room flats situated along the Pang Sua Canal. This marks the culmination of the housing estate development on the site of Pang Sua Woodland. |
| Nearest MRT Station | Bukit Panjang MRT station |
| Flat Types and Prices | |
| 2-room Flexi | From S$102,000 (Excluding grants), From S$22,000 (Including grants) |
| 3-room | From S$202,000 (Excluding grants), From S$127,000 (Including grants) |
| 4-room | From S$300,000 (Excluding grants), From S$240,000 (Including grants) |
| Transacted Prices of Nearby Resale Flats | |
| 2-room Flexi | S$283,000 – S$325,000 |
| 3-room | S$402,500 – S$417,000 |
| 4-room | S$515,000 – S$615,000 |
| Project Name: | Tanjong Tree Residences @ Hougang |
| Location | Hougang |
| Description | Hougang introduces a project offering approximately 360 two-room flexi, three-, and four-room flats along Hougang Street 13. |
| Nearest MRT Station | Bartley MRT station |
| Flat Types and Prices | |
| 2-room Flexi | From S$136,000 (Excluding grants), From S$56,000 (Including grants) |
| 3-room | From S$247,000 (Excluding grants), From S$172,000 (Including grants) |
| 4-room | From S$371,000 (Excluding grants), From S$311,000 (Including grants) |
| Transacted Prices of Nearby Resale Flats | |
| 3-room | S$408,000 – S$438,000 |
| 4-room | S$530,000 – S$654,888 |
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, originally slated for November 2023, will introduce flats in seven HDB estates.
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 do not include it in their offerings. The 4-room BTO flat stands out as the most prevalent and sought-after type.
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 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.
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) 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, in Rochor. The most recent PLH projects include the Verandah @ Kallang and the Queenstown Tanglin Halt Cascadia HDB BTO from October 2023.
However, there is 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 rental and resale constraints for their owners.
During his NDR 2023 address in August 2023, Deputy Prime Minister and Finance Minister Lawrence Wonf made several HDB-related declarations. These modifications will be implemented starting in H2 2024.
| Classification | STANDARD HDB | PLUS HDB | PRIME HDB |
| 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 are available. | Highest-priced but offers the most subsidies. |
| Minimum Occupation Period (MOP) | 5 years | 10 years | 10 years |
| Resale restrictions & criteria |
|
|
|
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.
Although the age criterion of 35 years and the size specification for HDB and resale flats available for singles remain unchanged, singles cannot purchase 2-room Flexi Prime flats situated close to the city centre.
| New BTO flats (for singles) | Singles can apply for 2-room Flexi flats across STANDARD, PLUS, and PRIME categories, regardless of location. |
| Resale flats (for singles) | Singles can buy any size of STANDARD and PLUS flats, excluding 3Gen flats. However, for the PRIME category, only 2-room Flexi HDB flats are available. |
| Flat type | Availability | Description | Features |
| Community Care Apartment | From HDB only | Apartments are 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 is suitable for lower-income groups, singles, and the 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. | There are three bedrooms (including a master bedroom with an en-suite bathroom), a Common bathroom, a Living area, a Kitchen, and a Yard. |
| 5-room | HDB or open market | Designed for larger families, providing ample space for comfort and activities. | There are three bedrooms (including a master bedroom with an en-suite bathroom), a Common bathroom, a Living area, a Kitchen, a Yard, and a 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. |
Prospective buyers can apply to 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 and 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, first-time applicants are granted higher priority for new flats. The allocation of flat supply for various household categories is:
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 focuses on a specific group of first-time applicants, termed First-timers (Parents & Married Couples) or FT(PMC). In every BTO launch, up to 40% of BTO flats are earmarked for this category.
| For parents | 20 units, up to 15% of 2-room Flexi or 3-room BTO flats |
| For married children | A corresponding number of 2-room Flexi or bigger BTO flats |
| 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% |
| 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 |
| 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% |
| 2-room Flexi BTO flats | 5% |
| 3-room BTO flats | 5% |
| 4-room and 5-room BTO flats | – |
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 can 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 |
First-timer families or couples are granted extra ballot chances within non-mature estates if their initial two applications fail.
An application is deemed unsuccessful solely if the applicant does not receive an invitation to choose a BTO flat. Because of the limited availability of flats in mature estates, no additional chances are provided for BTO launches in these areas.
New HDB flats, being subsidised, are intended primarily for Singapore Citizens. Prospective buyers, co-applicants, and essential occupants must satisfy various eligibility criteria before applying for a flat.
For first-timer households comprising a single Singapore Citizen and one or more Singapore Permanent Residents, a requisite premium of $10,000 must 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 |
|
| Citizenship |
|
| Age | Applicants must be at least 21 years old. |
| Income ceiling | Applicant’s income should fall within the stipulated income ceiling for the specific flat they aim to purchase. |
| Property ownership |
|
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
eme |
|
|
|
| Fiancé/Fiancée Scheme | Spouse-to-be |
|
|
| Single Singapore Citizen Scheme (SCSS) | N/A |
|
N/A |
| Joint Singles Scheme (JSS) | N/A |
|
N/A |
| Non-Citizen Spouse Scheme | Couples where one is a Singapore Citizen and the other is neither a Singapore Citizen nor a PR |
|
N/A |
| Orphans Scheme | Siblings who are orphans and unmarried |
|
N/A |
The income ceiling depends on 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 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 considered include allowances (both fixed and variable) received regularly, such as those for food, transport, laundry, and uniforms. Pensions, stipends, and sustenance are also considered.
Specific sources of income and allowances are not considered 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. All applicants should check the needed documents based on their employment.
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. They should not have sold a flat gained from HDB or an EC/DBSS flat bought by a developer. They must also not have received any CPF Housing Grant to gain a resale flat or taken any form of housing subsidy. Such applicants are accorded priority and privileges in the application process.
Second-timer applicants, or any other listed owners and essential occupiers, would have had prior experience in owning or selling properties. This includes owning or selling an HDB flat bought directly from HDB, a resale flat purchased using a CPF Housing Grant, or an EC/DBSS flat bought 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.
In certain situations, applicants must undergo a specified waiting period before applying for or being included in a new flat application. Because of their more urgent housing requirements, first-timer applicants are given higher priority and additional privileges when applying for a flat. Interestingly, when a couple comprises 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 their flat’s Minimum Occupation Period (MOP) requirements. 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 lives in an HDB flat purchased directly from HDB, a resale flat gained 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.
Here’s a breakdown of the costs and fees associated with different stages of the process:
You can find detailed information on HDB’s official website regarding precise figures related to the Agreement for Lease. Understanding these financial aspects is crucial for a smooth home-buying experience.
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 covers 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 |
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 purchases, and monthly housing loan instalments.
However, CPF withdrawal limits vary based on your housing loan type.
CPF Housing Grants are crucial subsidies the Singapore government provides 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 applies to new HDB and resale flats with no flat type or location restrictions.
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 over 20 years. Detailed eligibility criteria can be found here for further reference.
Applicants fall into specific categories, including:
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
Scheme |
Single Citizen
Scheme |
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:
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.
You will also be informed about the loan amount you qualify for at this stage. Once the preliminary HFE check is complete, you can submit your HFE letter application.
Eligibility criteria
To qualify, applicants and essential occupants must fulfil the following conditions:
| Loan aspects | Specifications |
| Down payment | This 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 a bank loan
If ineligible for an HDB housing loan, applicants can opt for a bank loan provided by institutions regulated by the Monetary Authority of Singapore (MAS).
Participating Financial Institutions (FIs) can request an In-Principle Approval (IPA) through the HDB Flat portal.
Highest-priced BTO during the 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, these units experienced overwhelming demand despite the exorbitant prices, 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 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 achieved 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, showing the premium placed on limited urban space.
Largest BTO project
The colossal BTO project at Tampines GreenVerge comprises 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 addresses the growing demand for housing and emphasises the importance of community-centric planning, incorporating many communal facilities.
