{"id":69130,"date":"2023-09-19T16:48:39","date_gmt":"2023-09-19T08:48:39","guid":{"rendered":"https:\/\/www.99.co\/singapore\/insider\/?p=69130"},"modified":"2023-09-19T16:48:39","modified_gmt":"2023-09-19T08:48:39","slug":"bto-classification-changes","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/bto-classification-changes\/","title":{"rendered":"What the BTO classification changes would mean for first-time home buyers, parents, couples &#038; singles"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div>\r\n<p><span style=\"font-weight: 400;\">In a recent announcement, the government <a href=\"https:\/\/www.99.co\/singapore\/insider\/the-new-bto-classification-saga-from-basic-to-boujee\/\" target=\"_blank\" rel=\"noopener\">unveiled a significant shift in the Build-to-Order (BTO) housing landscape<\/a> that will come into effect in the second half of 2024. This development aims to revolutionise the way BTO projects are classified, shifting the focus away from whether they are located in mature or non-mature estates. Instead, they will be categorised under Standard, Plus, or Prime models. On September 18, Minister for National Development Desmond Lee shed more light on these BTO classification changes and their potential implications for various segments of the population.<\/span><\/p>\r\n\r\n\r\n<p><iframe loading=\"lazy\" class=\"cb-youtube-player\" type=\"text\/html\"  title=\"HDB to launch more 2-room flexi BTO flats | In Parliament\" width=\"768\" height=\"432\" src=\"https:\/\/www.youtube.com\/embed\/h6_SHtCS3aM?feature=oembed&#038;enablejsapi=1&#038;origin=https:\/\/www.99.co\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/p>\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-bto-housing-for-singles\"><b>BTO housing for singles<\/b><\/h2>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">One of the most significant changes is the enhanced housing access for singles.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Starting from the second half of 2024, singles will be able to purchase new two-room Flexi BTO flats across the entire island, rather than being restricted to non-mature estates.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">In fact, <a href=\"https:\/\/www.straitstimes.com\/singapore\/politics\/hdb-to-launch-up-to-14000-two-room-flexi-bto-flats-from-2024-to-2026-desmond-lee\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDB plans to launch up to 14,000 two-room Flexi flats from 2024 to 2026, representing a 30% increase over the past three years.<\/a> Minister Lee acknowledged the expected surge in housing demand from singles and emphasised the importance of building enough flats to meet this demand before considering further adjustments.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Additionally, the MND is actively exploring new housing typologies such as co-living and inter-generational housing.<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2023\/09\/Untitled-1200-x-900-px-68.jpg\" class=\"img-link media-img img-link media-img\"><img decoding=\"async\" width=\"1200\" height=\"900\" class=\"wp-image-69137\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2023\/09\/Untitled-1200-x-900-px-68.jpg\" alt=\"bto classification changes for first time parents and couples\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2023\/09\/Untitled-1200-x-900-px-68.jpg 1200w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2023\/09\/Untitled-1200-x-900-px-68-150x113.jpg 150w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-first-timers-homebuyers-parents-and-families\"><b>First-timers: Homebuyers, parents, and families<\/b><\/h2>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">First-time home buyers can also look forward to benefits under the new framework. The <a href=\"https:\/\/www.99.co\/singapore\/glossary\/enhanced-cpf-housing-grant-ehg\/\" target=\"_blank\" rel=\"noopener\">Enhanced CPF Housing Grant<\/a> will provide means-tested grants of up to S$80,000 for families and S$40,000 for singles.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Under this framework, first-timer families will receive two ballot chances across all BTO projects, while first-timer parents and married couples will receive three ballot chances and additional priority through the Family and Parenthood Priority Scheme.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Specific details regarding prioritisation and quotas for different groups will be disclosed in due time.<\/span><\/p>\r\n\r\n\r\n\r\n<p><strong>Read also:<\/strong>\u00a0<a href=\"https:\/\/www.99.co\/singapore\/insider\/in-depth-guide-hdb-priority-schemes\/\" target=\"_blank\" rel=\"noopener\">An in-depth guide to HDB\u2019s priority schemes to increase your BTO or SBF ballot chances<\/a><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-mop-from-5-to-10-years\"><b>MOP from 5 to 10 years<\/b><\/h2>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">While the majority of HDB flats have a five-year <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-minimum-occupation-period-mop\/\" target=\"_blank\" rel=\"noopener\">Minimum Occupation Period (MOP)<\/a>, the MND has implemented a 10-year MOP for new Plus and Prime flats.<a href=\"https:\/\/www.channelnewsasia.com\/singapore\/hdb-flats-plus-prime-mop-singles-rent-resale-market-desmond-lee-3778561\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> Minister Lee explained that this decision aims to strike a balance between promoting owner occupation and providing homeowners with flexibility to move for genuine reasons.<\/a><\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">First-time owners of Plus and Prime flats will face a clawback of additional subsidies to ensure these flats are primarily for owner occupation and not for speculative investment or rental purposes.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-what-happens-if-i-want-to-move-before-the-10-year-mop-is-over\"><b>What happens if I want to move before the 10-year MOP is over?<\/b><\/h3>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">For those facing genuine reasons to move out before the completion of their 10-year MOP, HDB will assess appeals on a case-by-case basis, offering a measure of flexibility within the new framework.<\/span><\/p>\r\n\r\n\r\n\r\n<p><iframe loading=\"lazy\" style=\"border: none; width: 350px !important; box-shadow: 0px 2px 12px rgb(11 17 52 \/ 15%); border-radius: 16px;\" src=\"https:\/\/www.99.co\/property-value-widget?contentSource=insider-blog&amp;contentId=the-arden-sale-units\" width=\"350\" height=\"370\" scrolling=\"no\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><\/span><\/iframe><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-what-other-changes-are-coming\"><b>What other changes are coming?<\/b><\/h2>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">During their engagements with citizens, the MND received various suggestions, including imposing a hard price cap on Prime and Plus flats. However, Minister Lee stated that setting a hard cap might distort market dynamics.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Instead, the MND will provide additional subsidies on top of market discounts for Standard flats to enhance affordability for a broader range of income levels. This approach aligns with the ministry&#8217;s commitment to supporting eligible first-time home buyers through progressive grants.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\" id=\"h-will-the-new-framework-cause-a-social-rift\"><b>Will the new framework cause a social rift?<\/b><\/h3>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Minister Lee addressed concerns that the new framework might exacerbate social stratification. He argued that without these changes, flats in desirable locations would likely become increasingly unaffordable for many Singaporeans over time. Thus, the new framework aims to democratise access to such locations.<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2023\/09\/Untitled-1200-x-900-px-69.jpg\" class=\"img-link media-img img-link media-img\"><img decoding=\"async\" width=\"1200\" height=\"900\" class=\"wp-image-69139\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2023\/09\/Untitled-1200-x-900-px-69.jpg\" alt=\"bto classification changes impact on resale hdb\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2023\/09\/Untitled-1200-x-900-px-69.jpg 1200w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2023\/09\/Untitled-1200-x-900-px-69-150x113.jpg 150w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/figure>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-how-will-the-new-framework-affect-resale-properties\"><b>How will the new framework affect resale properties?<\/b><\/h2>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">The impact of the new framework on resale properties will depend on various factors, including market conditions, supply, demand, financing, and homebuyer preferences. <\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Prime and Plus flats will only enter the resale market approximately 15 years after their initial purchase. In the long term, the stricter restrictions are expected to moderate resale prices to some extent. <\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">The MND will closely monitor the broader resale market&#8217;s evolution and make necessary adjustments as needed.<\/span><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\" id=\"h-wrapping-up\"><b>Wrapping up<\/b><\/h2>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">The impending changes in BTO classification represent a significant transformation in Singapore&#8217;s housing landscape. These changes are designed to cater to the diverse needs of the population, offering enhanced housing access for singles, more benefits for first-time home buyers, and a revamped approach to owner occupation. <\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">While the 10-year MOP for Plus and Prime flats aims to promote responsible homeownership, HDB remains open to assessing appeals from those facing genuine reasons to move earlier. The overall objective of the new framework is to strike a balance between affordability, accessibility, and social inclusion within the realm of public housing in Singapore. <\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">As the transition unfolds, it will be essential for prospective buyers and homeowners to stay informed and adapt to the evolving housing landscape.<\/span><\/p>\r\n\r\n\r\n    <section id=\"portal-widget-tab-panel-6af8f4b18560a\" class=\"portal-widget-tab-panel\">\n        <div class=\"swiper-container\" id=\"swiper-container-6af8f4b18560a\">\n                        <div class=\"row-title-widget\">\n                <div class=\"portal-widget-carousel-title-left\"><h4 class=\"portal-widget-title\">HDB properties for you<\/h4><\/div>\n                <div class=\"portal-widget-carousel-title-right text-right\"><span class=\"portal-widget-see-all-link link-top\"><a href=\"\" class=\"nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale?main_category=hdb&utm_source=blog&utm_medium=widget\">See all listings<\/a><\/span><\/div>\n            <\/div>\n                        <div class=\"portal-widget-carousel swiper-wrapper\">\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/ZpZVtzbjX5Vfkc5pffKcGP?text=Jasmine+Chong&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=ac38830443bf368b3f80e8481fbbb30bb13d8272\" alt=\"808A Chai Chee Road Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">808A Chai Chee Road<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 461808 \u00b7 D16<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,001 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 890,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/808a-chai-chee-road-hdb-gxVXWBZiuuMn2esovxfYqE?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/GGCt78qrZqBZkjXYUAcyo3?text=Randyne+Neo&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=e97a26d5d39752c6e17d44d299f53e0617d5760e\" alt=\"702 Woodlands Drive 40 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">702 Woodlands Drive 40<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 730702 \u00b7 D25<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,098 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 568,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/702-woodlands-drive-40-hdb-LPTeDPffwo8DpjnLvkAnnY?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/hmNFNXtry4SUp8eRbgt4uP?text=Randyne+Neo&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=ac7ff12d1d6eb8531adbcdad1b978280a190bdf0\" alt=\"217B Sumang Walk Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">217B Sumang Walk<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 822217 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>990 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 728,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/217b-sumang-walk-hdb-2wP8CEZoo4ZByg4BsnJBwL?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                            <div class=\"portal-widget-formatted-tags\">\n            <\/div>\n                        <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/574Pvckhfb6Sa3FGRqTuyi?text=Faris+Malik&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=18b5543f8ef6983eb9e82aeb691cbfc18ee141a5\" alt=\"80A Telok Blangah Street 31 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">80A Telok Blangah Street 31<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 101080 \u00b7 D4<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,022 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 980,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/80a-telok-blangah-street-31-hdb-WRrvagjMiqvf4ehRSMXH8E?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/HMunjDaaa5GtYNf9CPta7d?text=Florence+Zheng+Zhen&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=f16be8e4ccf4a08e77ab27c7bf702ad511b54ed3\" alt=\"586 Ang Mo Kio Avenue 3 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">586 Ang Mo Kio Avenue 3<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 560586 \u00b7 D20<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>979 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 600,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/586-ang-mo-kio-avenue-3-hdb-LUvaUgAmEoZnskGMRqi63W?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/PHhUFYvCgDtA85WBJGyKP5?text=Andrew+Ho&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=d0fcf6034fb870395ae1d0dbdbb43f58bd3a3ceb\" alt=\"93A Telok Blangah Street 31 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">93A Telok Blangah Street 31<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 101093 \u00b7 D4<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,001 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 980,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/93a-telok-blangah-street-31-hdb-78UPmPXii3JdMBZtkfWkjd?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/Nn8jThGr3os62Kq79Dhg4F?text=Kamal+Tung&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=ef10f64b42de68dcccd12356a17f7835ea0ac513\" alt=\"114 Bedok Reservoir Road Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">114 Bedok Reservoir Road<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 470114 \u00b7 D16<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>4<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,593 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 942,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/114-bedok-reservoir-road-hdb-aKGSFL4TXgmpThFuLy7VTx?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/qec5ER97hiUaGvrsMxDhXH?text=Charmaine+Choo&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=d271142d8facc366612249e33b0041afbd65d1e0\" alt=\"520B Tampines Central 8 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">520B Tampines Central 8<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 522520 \u00b7 D18<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,162 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,140,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/520b-tampines-central-8-hdb-JTzeUcmjp4qxrqPc3gvFM3?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/H2aDu4ZRpjwrJktLiBToGX?text=Sandy+Koh&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=97cbb00b45beef7d1cf9cbd73f348f6cfee4b240\" alt=\"37 Teban Gardens Road Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">37 Teban Gardens Road<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 600037 \u00b7 D22<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>721 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 345,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/37-teban-gardens-road-hdb-Gjk4Ec9JpewHNYRoavyT3Y?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/6ncKpxGEmVZAgAspVsLFRA?text=Jaren+Chin&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=5710bc5fb0fe1edeb783af426c6adcd483ef9097\" alt=\"273D Punggol Place Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">273D Punggol Place<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 824273 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,001 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 780,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/273d-punggol-place-hdb-3ZNgbSGWy4eXajpC9LSweT?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n            <!-- Add Arrows -->\n            <div class=\"swiper-button-next\"><\/div>\n            <div class=\"swiper-button-prev\"><\/div>\n                    <\/div>\n    <\/section>\n\n","protected":false},"excerpt":{"rendered":"<p>In a recent announcement, the government unveiled a significant shift in the Build-to-Order (BTO) housing landscape that will come into effect in the second half of 2024. This development aims to revolutionise the way BTO projects are classified, shifting the focus away from whether they are located in mature or non-mature estates. Instead, they will&hellip;<\/p>\n","protected":false},"author":141,"featured_media":69136,"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":"59689,66033,55419,64509,36790,7832","_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":[53593,53631,57131],"tags":[56853,53645,57893,53924,55819,55212,55136,57863,54210],"persona":[57125,57127,57126,57128],"class_list":{"2":"type-post","23":"entry","24":"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>BTO classification changes: Impact on first timers &amp; singles- 99.co<\/title>\n<meta name=\"description\" content=\"Explore the latest BTO classification changes and their implications on first time homebuyers, parents and singles.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.99.co\/singapore\/insider\/bto-classification-changes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What the BTO classification changes would mean for first-time home buyers, parents, couples &amp; singles\" \/>\n<meta property=\"og:description\" content=\"Explore the latest BTO classification changes and their implications on first time homebuyers, parents and singles.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.99.co\/singapore\/insider\/bto-classification-changes\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/99dotco\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-19T08:48:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2023\/09\/Untitled-1200-x-900-px-67.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sophiyanah David\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@99dotco\" \/>\n<meta name=\"twitter:site\" content=\"@99dotco\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sophiyanah David\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/bto-classification-changes\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/bto-classification-changes\/\"},\"author\":{\"name\":\"Sophiyanah David\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/702f2d8d347fdec35be0d2478a4e069b\"},\"headline\":\"What the BTO classification changes would mean for first-time home buyers, parents, couples &#038; 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