{"id":52617,"date":"2023-05-31T17:24:50","date_gmt":"2023-05-31T09:24:50","guid":{"rendered":"https:\/\/blogstaging.99.co\/buying-bto-process-procedures-2\/"},"modified":"2026-01-06T19:33:46","modified_gmt":"2026-01-06T11:33:46","slug":"buying-hdb-bto-application-process","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/buying-hdb-bto-application-process\/","title":{"rendered":"BTO application process (2026), Step by Step Guide"},"content":{"rendered":"
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Latest BTO exercise:
\n<\/b>Click here to check what to expect in the February BTO 2026!<\/em><\/a><\/p>\n

Buying a Build-To-Order (BTO) flat<\/a> is one of the biggest steps young Singaporeans take in their journey to adulthood. To smooth your way forward, we’ve compiled a comprehensive guide to buying your BTO.<\/p>\n

Step 1: Check your eligibility<\/h2>\n

You need to meet the following criteria to buy a BTO flat:<\/p>\n

    \n
  • At least one of the applicants is a Singaporean Citizen<\/li>\n
  • At least one other applicant is either a Singapore Citizen or a Singapore Permanent Resident.<\/li>\n
  • Be at least 21 years or older<\/li>\n
  • You do not own any private residential property, be it overseas or locally, and you have not sold any private residential property within the last 30 months<\/li>\n
  • You have not enjoyed more than 1 housing subsidy, such as any of the following\n
      \n
    • Bought a flat from HDB<\/li>\n
    • Bought a resale flat with a CPF housing grant<\/li>\n
    • Bought a DBSS flat from a developer<\/li>\n
    • Bought an Executive Condo (EC) from a developer<\/li>\n
    • Received other forms of housing subsidy eg. SERS<\/li>\n<\/ul>\n<\/li>\n
    • Depending on the flat type, your monthly household income must not exceed a certain amount:<\/li>\n<\/ul>\n\n\n\n\n\n\n\n
      Flat type<\/b><\/td>\nIncome ceiling\u00a0<\/b><\/td>\n<\/tr>\n
      2-room Flexi (99-year lease)<\/span><\/td>\nS$7,000<\/span><\/td>\n<\/tr>\n
      2-room Flexi (short lease) and Community Care Apartment\u00a0<\/span><\/td>\nS$14,000<\/span><\/td>\n<\/tr>\n
      3-room\u00a0<\/span><\/td>\nS$7,000 or S$14,000, depending on the project.\u00a0<\/span>Each project will usually specify the income ceiling during the sales launch.<\/span><\/td>\n<\/tr>\n
      4-room and 5-room<\/span><\/td>\nS$14,000\u00a0<\/span>S$21,000 for extended or multi-generation families\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

      \"family<\/a><\/p>\n