{"id":49790,"date":"2022-03-22T12:54:35","date_gmt":"2022-03-22T04:54:35","guid":{"rendered":"https:\/\/www.99.co\/singapore\/insider\/?p=49790"},"modified":"2024-11-07T15:52:21","modified_gmt":"2024-11-07T07:52:21","slug":"bto-income-ceiling","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/bto-income-ceiling\/","title":{"rendered":"Should we raise the BTO income ceiling again? 4 reasons not to."},"content":{"rendered":"
<\/div>\n

Singapore has one of the highest homeownership rates in the world \u2013 88.9%<\/a> as of 2021 \u2013 remarkable in a city-state not known for cheap housing. Or cheap anything, really.<\/p>\n\n\n\n

We largely have the HDB to thank for this impressive statistic. The housing board\u2019s heavily subsidised BTO (Built-to-Order) flats put homes within reach of lower- to middle-income Singaporeans, who would otherwise find it tough to make the mortgage payments.<\/p>\n\n\n\n

It makes sense that HDB enforces an income ceiling for BTO applicants. While not the most nuanced of methods, it does the job of distributing subsidised housing fairly.<\/p>\n\n\n

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\"\"<\/a><\/figure><\/div>\n\n\n

BTO income ceiling in 2022: should we raise it?<\/h2>\n\n\n\n

The BTO income ceiling in 2022 is currently S$14,000 for families\/couples<\/strong> and S$7,000 for singles<\/strong>. This was revised from S$12,000 and S$6,000 respectively in 2019<\/a> to keep up with rising incomes and allow more Singaporeans to qualify for BTO flats.<\/p>\n\n\n\n

Barely three years later, though, some suggest that BTO income ceilings should be raised once again<\/a>. According to the report, raising the BTO income ceiling would encourage more high-earning couples to marry and have kids.<\/p>\n\n\n\n

It’s a pretty weak case for raising the ceiling. Surely to procreate in a resale flat, EC, or private housing too? Heck, you might even know someone who\u2019s done it. Besides, if high-income earners are also highly educated, they\u2019re hard to make life-altering decisions based on government subsidies, anyway.<\/p>\n\n\n\n

Here are 4 more reasons to NOT raise the BTO income ceiling anytime soon.<\/strong><\/p>\n\n\n\n

1. The median income hasn\u2019t moved up enough<\/h2>\n\n\n\n

HDB usually raises the BTO income ceiling to keep pace with significant increases in our incomes \u2013 to maintain the status quo of housing about 80% of Singaporeans<\/a>.<\/p>\n\n\n\n

A quick look at the past couple of BTO income ceiling raises shows they correspond with double-digit growth in median income from work<\/a>. Before 2011, the BTO income ceiling hadn\u2019t been raised for 17 years, but it\u2019s safe to assume that there was double-digit growth in wages during this period.<\/p>\n\n\n\n

Year<\/strong><\/td>BTO income ceiling<\/strong><\/td>Median income<\/strong><\/td><\/tr>
2011<\/a><\/td>S$10,000<\/td>S$3,249<\/td><\/tr>
2015<\/a><\/td>S$12,000<\/td>S$3,949 (\u0394 <\/strong>21.5%)<\/td><\/tr>
2019<\/a><\/td>S$14,000<\/td>S$4,563 (\u0394 <\/strong>15.5%)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Have wages risen so quickly since 2019 that it\u2019s time for another income ceiling raise? We wish.<\/p>\n\n\n\n

According to MOM, the median income for 2021 was S$4,680<\/a>, about 2.6% more than the 2019 median. There\u2019s still some way to go before we can see significant enough change to warrant a revision of the existing BTO income ceilings.<\/p>\n\n\n\n

Math geeks might have noticed that the income ceiling hovers around 1.5 x median income x 2<\/strong>, about 1.5 times the household income of a dual-income family. Working backwards, this means we should only expect the BTO income ceiling to rise to S$16,000 when the median income hits S$5,333.<\/p>\n\n\n

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\"Construction<\/a><\/figure><\/div>\n\n\n

2. The BTO flat system is overloaded as it is<\/h2>\n\n\n\n

In 2018, there were 38,500 BTO flat applications. In 2019, there were 51,400. And in 2020, the number was an insane 87,800. BTO applications had more than doubled in two years!<\/p>\n\n\n\n

While we\u2019re sure HDB is working their asses off to build more flats, the BTO supply is limited by land constraints and labour. Unless Singaporeans trade in our smartphones for shovels and start volunteering at construction sites, demand for BTOs will far outstrip supply for a long time yet.<\/p>\n\n\n\n

Raising the income ceilings, i.e. allowing even MORE people to ballot for BTO flats, will only worsen the problem. How long do we want the BTO waiting time to be, exactly?<\/p>\n\n\n\n

There are ways to manage outsized demand for housing, but they\u2019re not pretty. HDB can raise BTO prices, stamp duties, or other fees. But nobody wants a BTO hike on top of the GST hike \u2013 and the raised prices would need to be offset with further subsidies to keep housing affordable.<\/p>\n\n\n\n

Or they can sort BTO applicants into buckets \u2013 and risk Singaporeans accusing them of playing foul. Either way, raising the BTO income ceiling will only complicate things.<\/p>\n\n\n\n

3. Depriving lower-income Singaporeans of housing<\/h2>\n\n\n\n

Guess who\u2019ll suffer most if we open the floodgates and allow more BTO applicants? Lower- to middle-income earners in Singapore don\u2019t have the luxury of choice<\/a>.<\/p>\n\n\n\n

Earning less means you don\u2019t get to choose between BTO vs resale vs EC<\/a>. It means that, when you ballot for a BTO, it\u2019s not just for fun or just to see if you can strike the housing lottery. The stakes are much higher. You really hope you get selected because that\u2019s the only housing type you can afford.<\/strong><\/p>\n\n\n\n

Life is hard enough when you have to compete with so many overqualified applicants for a basic need: housing. Raising the BTO income ceiling will only make it worse.<\/p>\n\n\n

\n
\"Study<\/a><\/figure><\/div>\n\n\n

4. Those who burst the BTO income ceiling have options<\/h2>\n\n\n\n

Assuming the S$14,000 BTO income ceiling remains, what options do you have if your combined incomes exceed this limit? Lots, actually.<\/a> Take your pick from HDB resale flats, ECs, condos, and other private housing. Or go wild and rent a place, even.<\/p>\n\n\n\n

If the S$14,000 ship has sailed, it might even relieve some pressure on your relationship. Unlike those who rush to get hitched and move in before they hit the income ceiling, you and your partner can explore the housing and cohabitation options at leisure.<\/p>\n\n\n\n

Still fixated on a brand new BTO? HDB looks at your past 3 to 6 months\u2019 income documents when assessing your household income<\/a>, so one of you might take a lower-paying job, go freelance, or take a sabbatical before you apply. This is also an excellent way to test out a stay-at-home mom\/dad arrangement if you plan to have kids later.<\/p>\n\n\n\n

It\u2019s infinitely easier for a high-income earner to earn less than a low-income earner to earn more. If you\u2019re privileged enough to be in the former position, it\u2019s up to you to intelligently use your advantage.<\/p>\n\n\n\n

\n\n\n\n

Should HDB raise the BTO income ceiling? Let us know in the comments section below.<\/h2>\n\n\n\n

If you found this article helpful, 99.co recommends checking out You busted the HDB income ceiling. Now What?<\/a> and Editor\u2019s Column: MP\u2019s proposal to remove BTO income ceiling is anti-Singaporean. Here\u2019s why<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Singapore has one of the highest homeownership rates in the world \u2013 88.9% as of 2021 \u2013 remarkable in a city-state not known for cheap housing. Or cheap anything, really. We largely have the HDB to thank for this impressive statistic. The housing board\u2019s heavily subsidised BTO (Built-to-Order) flats put homes within reach of lower-…<\/p>\n","protected":false},"author":127,"featured_media":58820,"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":"36790,55419,46614,34443,52287,34036","_relevanssi_noindex_reason":"","_lmt_disableupdate":"no","_lmt_disable":"","_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":[53593,53631,53642,57131],"tags":[57040,53636,53915],"persona":[57126],"class_list":{"2":"type-post","15":"entry","16":"has-post-thumbnail"},"acf":[],"yoast_head":"\nShould we raise the BTO income ceiling again? 4 reasons not to. - 99.co<\/title>\n<meta name=\"description\" content=\"HDB\u2019s BTO income ceiling in 2022 is $14,000 for couples and $7,000 for singles. 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Here\u2019s why.","breadcrumb":{"@id":"https:\/\/www.99.co\/singapore\/insider\/bto-income-ceiling\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.99.co\/singapore\/insider\/bto-income-ceiling\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/bto-income-ceiling\/#primaryimage","url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/03\/income-ceiling-raise-header.jpg","contentUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/03\/income-ceiling-raise-header.jpg","width":1200,"height":675},{"@type":"BreadcrumbList","@id":"https:\/\/www.99.co\/singapore\/insider\/bto-income-ceiling\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.99.co\/singapore\/insider\/"},{"@type":"ListItem","position":2,"name":"Property News","item":"https:\/\/www.99.co\/singapore\/insider\/property-news\/"},{"@type":"ListItem","position":3,"name":"Should we raise the BTO income ceiling again? 4 reasons not to."}]},{"@type":"WebSite","@id":"https:\/\/www.99.co\/singapore\/insider\/#website","url":"https:\/\/www.99.co\/singapore\/insider\/","name":"","description":"","publisher":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.99.co\/singapore\/insider\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.99.co\/singapore\/insider\/#organization","name":"99.co","url":"https:\/\/www.99.co\/singapore\/insider\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/","url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp","contentUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp","width":192,"height":72,"caption":"99.co"},"image":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/99dotco\/","https:\/\/x.com\/99dotco","http:\/\/instagram.com\/99.co","https:\/\/www.linkedin.com\/company\/3625176","http:\/\/pinterest.com\/99dotco\/","https:\/\/www.youtube.com\/channel\/UCTFNrxXF9L1XZUlZNq07VKA"]},{"@type":"Person","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/3897c33f9814a5668a4bd3ea50281587","name":"Clara Lim","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/6e036950629579d21982237f8e30dc5c02f012b7d4b6bb157397f3ce314b1329?s=96&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6e036950629579d21982237f8e30dc5c02f012b7d4b6bb157397f3ce314b1329?s=96&r=g","caption":"Clara Lim"},"url":"https:\/\/www.99.co\/singapore\/insider\/author\/clara-lim\/"}]}},"modified_by":"Azhann Rosmin","_links":{"self":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts\/49790","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/users\/127"}],"replies":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/comments?post=49790"}],"version-history":[{"count":1,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts\/49790\/revisions"}],"predecessor-version":[{"id":80005,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts\/49790\/revisions\/80005"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/media\/58820"}],"wp:attachment":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/media?parent=49790"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/categories?post=49790"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/tags?post=49790"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/persona?post=49790"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}