{"id":13085,"date":"2018-01-02T06:13:21","date_gmt":"2018-01-01T22:13:21","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=13085"},"modified":"2026-05-13T19:24:49","modified_gmt":"2026-05-13T11:24:49","slug":"bto-executive-condo-private-condo","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/bto-executive-condo-private-condo\/","title":{"rendered":"Compare and Contrast: BTO vs. EC vs. Private Condo"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p><span style=\"font-weight: 400;\">First-time home buyers are often confused by the distinction between BTOs, ECs, and full-fledged private condos. Each have their pros and cons, and your income level is also a big concern. Here are the key differences every Singaporean should know:<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-13096\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2018\/01\/hdbcsecvscondo-01-3.png\" alt=\"bto ec private condo infographic\" width=\"720\" height=\"1018\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2018\/01\/hdbcsecvscondo-01-3.png 1241w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2018\/01\/hdbcsecvscondo-01-3-940x1329.png 940w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/p>\n<p><em><strong>NOTE: For all future EC sites launched under the 1H2026 Government Land Sales (GLS) programme onwards, the minimum occupancy period is 10 years, while the full privatisation will only happen after 15 years. <a href=\"https:\/\/www.99.co\/singapore\/insider\/new-executive-condominium-ec-policies-announced-longer-mop-no-more-dps-higher-priority-for-first-timers\/\" target=\"_blank\" rel=\"noopener\" data-wpel-link=\"internal\">Learn more<\/a>.<\/strong><\/em><\/p>\n<h3><\/h3>\n<h3><b>BTO flats<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">&#8211; Built-to-Order (BTO) flats are also known colloquially as \u201cnew flats\u201d. BTO flats are HDB properties. Note that, as HDB properties, they can never be sold to foreigners or to companies. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211; There is an <\/span><i><span style=\"font-weight: 400;\">income ceiling <\/span><\/i><span style=\"font-weight: 400;\">when buying HDB flats. If the combined monthly income of the borrowers exceeds this ceiling, they are not eligible. The income ceilings are:<\/span><\/p>\n<p><b>2-room flats: <\/b><span style=\"font-weight: 400;\">$6,000 ($12,000 for elderly buyers, who are purchasing 2-room flexi-flats)<\/span><\/p>\n<p><b>3-room flats: <\/b><span style=\"font-weight: 400;\">Usually $6,000, but is sometimes capped at $12,000 for select projects<\/span><\/p>\n<p><b>4-room or bigger: <\/b><span style=\"font-weight: 400;\">$12,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For multi-generational (3G) flats, the income ceiling is 1.5 times higher (generally S$18,000). <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">HDB flats have communal rather than private facilities. For example, there\u2019s usually a communal garden, and a work-out corner for residents.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Newer BTO flats may not have an individual rubbish chute in each unit (varies based on project).<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You can get CPF Housing Grants for BTO flats. See <\/span><a href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-housing-grants\/\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\"> to find out what you qualify for.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You have the choice to use either the <a href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-bank-loans\/\">HDB loan or a private bank loan<\/a>. The main difference here is that, if you use the HDB loan, you will make a smaller down payment: 10 per cent of the property value, which can fully be drawn from your CPF. A bank loan requires a 20 per cent down payment, of which five per cent must be in cash (the rest can come from your CPF).<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">BTO flats may require more extensive renovations when moving in. This includes the installation of air-conditioning or kitchen facilities. All things being equal (i.e. if you also use basic renovations for your EC or private condo), the BTO may cost more to renovate.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">BTOs are cheaper overall than ECs or private properties. 5-room BTOs are often between $500,000 to $600,000 before subsidies, whereas 4-room flats are around $300,000 to $350,000. 3-room flats range from $170,000 to $250,000. But these prices may differ significantly based on location. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">BTO flats come with a five-year Minimum Occupancy Period (MOP), before you can sell or let out the entire flat. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Service and Conservancy Charges are very low, up to $80 a month, even for five-room flats.<\/span><\/li>\n<\/ul>\n<h3><b>Executive Condo<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ECs are full-suite condos, meaning they come with private facilities like a pool, a gym, and 24-hour security. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ECs are built and marketed by private developers, not by HDB.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ECs are HDB properties for 10 years. After that, they count as private properties. They can then be sold to foreigners or companies. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ECs have a higher income ceiling of $14,000.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You <\/span><a href=\"http:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/new\/cpf-housing-grants-for-hdb-flats\" rel=\"nofollow\"><span style=\"font-weight: 400;\">can get CPF Housing Grants<\/span><\/a><span style=\"font-weight: 400;\"> for ECs. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You must use<\/span> <span style=\"font-weight: 400;\">a bank loan for ECs <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Maintenance fees are on par with private condos, so don\u2019t be surprised if it reaches $250 a month or more.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Renovations for a new EC can be cheaper and quicker if you keep things basic. They tend to come with features like air-conditioning already installed.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ECs are a \u201csandwich class\u201d property, which generally costs more than BTOs but not more than private properties. Expect prices to be in the range of $800,000 before subsidies. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">There is <\/span><i><span style=\"font-weight: 400;\">still<\/span><\/i><span style=\"font-weight: 400;\">\u00a0MOP for ECs.<\/span><\/li>\n<\/ul>\n<h3><b>Private Condo<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">As with ECs, these are full suite condos built and marketed by private developers.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Private properties can be sold to foreigners and companies at will; they are not subject to the usual HDB restrictions. There is also no Minimum Occupancy Period \u2013 you can buy it and start renting it out straight away if you want.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">You must use a bank loan for private properties. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">There are no government subsidies for private property (i.e. no CPF housing grants).<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">As with ECs, you seldom need to do extensive renovations; with few exceptions, private condos are sold with all the kitchen facilities, air-con, shelving, etc. Some are also sold fully furnished, as an option.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> Maintenance fees are high compared to BTO properties. Many private condos, like ECs, have maintenance fees of around $250 a month. However, some private condos \u2013 such as luxury developments with concierge services \u2013 can have maintenance costs that hit four-digit figures every month (but you usually only find these in Orchard Road properties). <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Note that most developers of private condos expect you to be able to afford a car. Private properties tend to be further away from MRT stations and bus stops than BTO flats (but not always).<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Most mass market, suburban condos will cost between $1 to $1.6 million. More centrally located condos can cost between $2 million to $3 million. As for luxury areas like Orchard and Sentosa, we don\u2019t need to tell you, but prices can be as high as the developer wants. <\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>First-time home buyers are often confused by the distinction between BTOs, ECs, and full-fledged private condos. Each have their pros and cons, and your income level is also a big concern. Here are the key differences every Singaporean should know: NOTE: For all future EC sites launched under the 1H2026 Government Land Sales (GLS) programme&hellip;<\/p>\n","protected":false},"author":21,"featured_media":54984,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"no","_lmt_disable":"no","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53601,53725,53631,53642,57131],"tags":[53645,53707,54581],"persona":[],"class_list":{"2":"type-post","15":"entry","16":"has-post-thumbnail"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.7.1 (Yoast SEO v25.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare and Contrast: BTO vs. EC vs. Private Condo - 99.co<\/title>\n<meta name=\"description\" content=\"What&#039;s the difference between a BTO, EC and private condo? 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