Advertisement

HDB Build-To-Order (BTO) Flats in Singapore

PropertyGuru Editorial Team
HDB Build-To-Order (BTO) Flats in Singapore
Update: September BTO 2023 alert! On 28 July 2023, HDB announced that the BTO Aug 2023 launch will be delayed until end-September 2023. Similarly, the BTO Nov 2023 launch will be delayed until December 2023.
The last time a BTO launch was delayed was in 2020. The May 2020 BTO projects were postponed and eventually combined with the August 2020 BTO launch.

HDB and BTO Delays

This comes after their announcement that the May 2023 BTO and Sale of Balance Flats (SBF) ballot results will be announced in the first week of August 2023, as opposed to end-July 2023.
The HDB Flat Eligibility (HFE) letter, which was introduced to help streamline the HDB flat eligibility, CPF Housing Grants, and HDB loan eligibility checks into one step on the HDB Flat Portal, has also been seeing delays: in one reported case, a woman had been waiting two months after she applied and still had not received her HFE letter.
HDB initially said it would take about 21 working days to process, with exceptions during peak periods (e.g. during BTO launch weeks).

Long BTO and SBF Application Wait Times

HDB has acknowledged that the HDB Flat Portal, which was updated in May 2023, is seeing system glitches, and have since updated their virtual waiting rooms to minimise the waiting time for applicants.
Since BTO and SBF ballots are not allocated on a first-come-first-served basis, HDB recommends that people submit their applications after the first few days of the launch to avoid too many people on the platform at one time.
The good thing is, we now have more time to prepare ourselves for the upcoming September BTO 2023 launch! If you’re a first-time homebuyer, you’ll want to check out our quick guide on applying for BTO flats first.

Watch Our Video on Applying for BTO Flats

What Are Build-to-Order (BTO) Flats? An Overview

According to the Ministry of National Development (NMD) and HDB, 23,000 BTO flats will be launched across 2023. Since the August 2022 BTO sales exercise, they have also set aside at least 95% of 4-room and larger BTO flats for eligible first-timer families.
Separately, HDB also announced that they are taking the necessary steps to improve the construction workflow of BTO flats, thereby alleviating COVID-19 delays while ensuring the safety and well-being of workers.
Build-to-Order (BTO) is one of the modes of sale of new HDB flats in Singapore. An HDB BTO sales launch takes place quarterly every year and typically offers a range of HDB flat types across a few estates.
This system offers the applicant flexibility in location and timing when applying for their new flat. Construction will only begin if the demand for the number of apartments in a specific contract exceeds 70%.
A waiting period of about 3.5 years is usually required since flats are built upon order.

Content

Upcoming 2023 BTO Launches

Upcoming September BTO 2023 launch
Choa Chu Kang, Kallang/Whampoa, Queenstown, and Tengah
About 6,760
Upcoming Dec BTO 2023 BTO launch
Bedok, Bishan, Bukit Merah, Bukit Panjang, Jurong West, Queenstown, and Woodlands
About 6,300

BTO Launch Months

Every year, HDB releases new BTO flats in February, May, August, and November. As mentioned, 2020 was an exception when the May 2020 BTO projects were postponed and eventually combined with the August 2020 BTO launch.

BTO Locations

The specific BTO locations vary depending on the launch, but there are typically four to five estates each time. For example, the November 2022 BTO saw projects in five estates, while the February 2023 BTO flats were located across four estates.
The upcoming September BTO 2023 (originally BTO Aug 2023) will see flats launched across five estates.

Prime Location Public Housing (PLH) Model

On 27 October 2021, HDB introduced the Prime Location Public Housing (PLH) model. The goal of the PLH model is to keep BTO flats launched in prime, central locations such as the city centre and surrounding areas (e.g. the Greater Southern Waterfront) affordable and inclusive for families.
As such, PLH flats are subject to a subsidy clawback, and a 10-year Minimum Occupation Period (MOP), among other rules.
During the November 2021 BTO launch, River Peaks I & II in Rochor were the first BTO flats released under the PLH model. The latest PLH project was Farrer Park Arena, the Kallang/Whampoa May 2023 BTO project.

Upcoming BTO Projects: Upcoming September BTO 2023 Projects

EstateNumber of BTO flats
Choa Chu KangAbout 1,870
Kallang/WhampoaAbout 2,910 across three sites
QueenstownAbout 970
TengahAbout 1,010
Note: This page serves the purpose of providing information only. To purchase a BTO flat, please visit the HDB Flat Portal.

BTO Flat Types

The projects in the different estates may offer different flat types. For example, if you have a larger family and are looking for a more spacious 5-room BTO flat, not all of the projects may offer it. Likewise, if you want a smaller, more affordable 3-room BTO flat, some of the mature estates may not have it in the unit mix. The most common, but also most popular, flat type is the 4-room BTO flat.

HDB Ethnic Integration Policy (EIP)

HDB implements a policy known as the Ethnic Integration Policy (EIP) to ensure a good mix of households from different ethnic groups. The quota is revised on the first of every month but may be generalised to the following approximate percentages: 85% Chinese, 22% Malay, and 13% Indian and Other Households.
Applicants may check their eligibility here for buying into a particular block.

Upcoming 2023 BTO Launches (Non-mature Towns/Estates)

1. Choa Chu Kang

HDB BTO launchSeptember BTO 2023
LocationChoa Chu Kang
Flat types2-room Flexi, 3-room, 4-room, 5-room, and 3Gen
Number of BTO flats availableAbout 1,870

Chua Chu Kang September BTO 2023 Map

Location of the Choa Chu Kang Sept BTO 2023 project, bounded by Woodlands Road. Source: HDB
The Choa Chu Kang September BTO 2023 project will see about 1,870 BTO flats, comprising the full suite of HDB flat types, from 2-room Flexi to 3Gen BTO flats. The BTO project is a walking distance from Bukit Panjang MRT and Senja LRT stations and a short drive away from Bukit Timah Nature Reserve.
It is also accessible to Singapore’s Park Connector Network (PCN), which connects parks across the country via a number of intersecting cycling and jogging lanes.
Nearest MRT stationBukit Panjang MRT station
Nearest amenitiesBukit Panjang Park Connector, Bukit Panjang Plaza, Bukit Panjang Polyclinic, Hillion Mall, Interim Rail Corridor, Junction 10, Lot 10 Shoppers’ Mall, Senja Hawker Centre, and Sungei Pang Sua
Nearby schoolsChoa Chu Kang Secondary School, ITE College West, Jurong Pioneer Junior College, Teck Whye Primary School, West Spring Secondary School, and West View Primary School

2. Tengah

HDB BTO launchSeptember BTO 2023
LocationTengah
Flat types 2-room Flexi, 3-room, 4-room, and 5-room
Number of BTO flats availableAbout 1,010

Tengah September BTO 2023 Map

Location of the Tengah Sept BTO 2023 project, bounded by Plantation Close and Bukit Batok Drive. Source: HDB
Similar to Plantation Verge, the Tengah September BTO 2023 flats will have great connectivity to public transport, albeit slightly further away from the PIE for drivers. However, being one street away has its advantages, as any noise and/or dust from the busy expressway is reduced.
Residents will also have good amenities close by, such as the proposed Forest Fringe park at their doorstep, Pioneer Primary School just next door, a proposed health and medical care facility within a five-minute walk and even a proposed Tengah pond.
Nearest MRT stationTengah Park MRT station (opening in 2028)
Nearest amenitiesBukit Batok Community Club, Bukit Batok Polyclinic, West Mall, and Le Quest Shopping Mall
Nearby schoolsAnglo-Chinese School (Primary) (by 2030), Bukit Batok Secondary School, Bukit View Primary School (future) Jurong Primary School, Dulwich College (Singapore), Jurongville Secondary School, Millennia Institute, Pioneer Primary School (future), and Princess Elizabeth Primary School

Upcoming 2023 BTO Launches (Mature Towns/Estates)

1. Kallang/Whampoa

HDB BTO launchSeptember BTO 2023
LocationKallang/Whampoa
Flat types2-room Flexi, 3-room, 4-room, 5-room, and 3Gen
Number of BTO flats availableAbout 1,630

Kallang/Whampoa September BTO 2023 Map: Site 1

Location of the Kallang/Whampoa Sept BTO 2023 project 1, bounded by Jalan Tenteram. Source: HDB
Of the three Kallang/Whampoa September BTO 2023 projects, the first Jalan Tenteram site is the least accessible. This upcoming BTO launch is a 21-minute walk from Boon Keng MRT station on the North-East line, meaning you’ll likely have to take a bus to be connected to the MRT network.
Potong Pasir MRT station is nearby too due to the layout of the PIE, you will have to walk about take a one-minute walk away.
Those with school-going children will be pleased to know there are several options nearby, such as St. Andrew’s Secondary School, St. Andrew’s Junior School, and St. Andrew’s Junior College.
Nearest MRT stationBoon Keng MRT station
Nearest amenitiesThe Poiz Centre, The Venue Shoppes, Toa Payoh Sports Hall, Toa Payoh Swimming Complex, Toa Payoh Public Library, SAFRA (Toa Payoh), Shaw Plaza, Balestier Plaza, Zhongshan Mall, Whampoa Food Centre, and Toa Payoh Town Park
Nearby schoolsBendemeer Primary School, Hong Wen School, St. Joseph’s Institution Junior, SJI International School, St. Andrew’s Secondary School, and St. Andrew’s Junior School

Kallang/Whampoa September BTO 2023 Map: Site 2

Location of the Kallang/Whampoa Sept BTO 2023 project 2, bounded by Jalan Rajah and Kim Keat Road. Source: HDB
Of the two sites closer to the Toa Payoh, this Jalan Rajah site is slightly more accessible to its nearest MRT station. The Jalan Rajah site is located about a 13-minute walk from Toa Payoh MRT station on the North-South Line.
Future residents of this Kallang/Whampoa September BTO 2023 launch will enjoy easy access to the popular eateries and amenities in the Toa Payoh area like Toa Payoh Swimming Complex and SAFRA Toa Payoh.
This upcoming BTO site is a 13-minute walk from the Jalan Tenteram site. As they sit in the same neighbourhood, the amenities and facilities future residents can access are similar.
Nearest MRT stationToa Payoh MRT station
Nearest amenitiesToa Payoh Sports Hall, Toa Payoh Swimming Complex, Toa Payoh Public Library, SAFRA (Toa Payoh), Shaw Plaza, Balestier Plaza, Zhongshan Mall, and Balestier Point
Nearby schoolsBendemeer Primary School, Hong Wen School, St Joseph’s Institution Junior, SJI International School, St. Andrew’s Secondary School, St. Andrew’s Junior School, and St. Andrew’s Junior College

Kallang/Whampoa September BTO 2023 Map: Site 3

Location of the Kallang/Whampoa Sept BTO 2023 project 3, bounded by Geylang Road, Kallang Airport Way and Kallang Airport Drive. Source: HDB
Of the three Kallang/Whampoa September BTO 2023 sites, the flats bounded by Geylang Road, Kallang Airport Way and Kallang Airport Drive enjoy the most attractive location ("the Geylang Road site"). The upcoming BTO site is just a six-minute walk from Kallang MRT station, which takes you to Raffles Place MRT station in a mere seven minutes via the East-West Line.
Other than its exceptional connectivity, another of the Geylang Road site’s strengths is its proximity to the many sporting amenities in Kallang, including Singapore Sports Hub, Singapore Indoor Stadium, Kallang Squash & Tennis Centre, and Kallang Netball Centre. In addition, Leisure Park Kallang is about 20 minutes away by foot. The mall has an ice skating rink and bowling alley. Another nearby mall, Kallang Wave Mall, is equipped with an indoor rock climbing wall.
Foodies also have a wealth of options to choose from. This Kallang/Whampoa September BTO 2023 site is bounded by Geylang Road, which leads to the heart of Geylang with its many local eateries. Whether you want to eat frog porridge or seafood, you’ll find something to your taste.
Nearest MRT stationKallang MRT station
Nearest amenitiesGeylang West Community Club, Singapore Sports Club, Leisure Park Kallang, Kallang Wave Mall, Singapore Indoor Stadium, Kallang Squash & Tennis Centre, Kallang Netball Centre, and Kallang Riverside Park
Nearby schoolsDunman High School, Bendemeer Primary School, and Hong Wen School

2. Queenstown

HDB BTO launchSeptember BTO 2023
LocationQueenstown
Flat types3-room and 4-room
Number of BTO flats availableAbout 970

Queenstown September BTO 2023 Map

Location of the Queenstown Sept BTO 2023 project, bounded by Commonwealth Drive and One-North Crescent. Source: HDB
The Queenstown September BTO 2023 project will be located in the historic Tanglin Halt area, which is currently undergoing redevelopment. In other words, there might be quite a bit of construction going on over the next few years, and established amenities might vanish.
That said, the site is close to popular lifestyle and F&B amenities like Holland Village, Star Vista, and Ghim Moh Market, so even if the immediate area is undergoing redevelopment, residents will face no shortage of places to frequent.
The actual location of the site is excellent in terms of connectivity, at just a four-minute walk from Commonwealth MRT station, which takes you to Raffles Place MRT station in the Central Business District (CBD) in about 12 minutes, with no MRT line changes needed.
Nearest MRT stationsCommonwealth MRT station
Nearest amenitiesBerseh Food Centre, Centrium Square, City Square Mall, Jalan Besar Plaza, Jalan Besar Stadium and Swimming Complex, KK Women’s and Children’s Hospital, Kwong Wai Shiu Commonwealth Park, Holland Village, Margaret Drive Hawker Centre, Queenstown Community Centre, Rochester Park, and Star Vista
Nearby schoolsAnglo-Chinese Junior College, Anglo-Chinese School (Independent), Anglo-Chinese School (International), ESSEC Business School, Fairfield Methodist School, INSEAD, New Town Primary School, Queensway Secondary School, and Tanglin Trust School

HDB BTO Application And Selection

BTO Flat Types

The BTO flat types offered are typically 2-room Flexi, 3-, 4-, 5-room flats, and 3Gen flats.

HDB BTO Priority Schemes

A potential buyer can apply for their preferred flat and estate. Balloting will be conducted to determine the outcome of the application.
On 24 February 2023, Deputy Prime Minister and Finance Minister Lawrence Wong announced in the Budget 2023 statement that eligible first-timer families with kids and couples under 40 years old will get one additional BTO ballot when applying for BTO flats in BTO sales launches.
The move will be implemented from the September BTO 2023 launch onwards. So, if you’re intending to ballot for an upcoming BTO launch, this is great news!
First-timer applicants also enjoy other forms of higher priority for new flats. The flat supply set aside for the different household types are:

1. First-timer Families Under the Parenthood Priority Scheme (PPS)

Up to 30% of BTO flats are currently allocated to applicants under this scheme.
Note: From the September BTO 2023 exercise onwards, the PPS will be renamed the Family and Parenthood Priority Scheme (FPPS). This scheme will prioritise a new subset of first-timer applicants, First-timer (Parents & Married Couples), or FT(PMC), allocating up to 40% of BTO flats to them in each BTO launch.

2. First-timer Families Under the Multi-Generation Priority Scheme (MGPS)

Flat allocation for parentsUp to 15% of 2-room Flexi or 3-room BTO flats (at least 20 units)
Flat allocation for married childrenThe corresponding number of 2-room Flexi or bigger BTO flats

3. First-timer Families Under the Married Child Priority Scheme (MCPS)

2-room Flexi BTO flats (non-mature estates)5%
3-room BTO flats (non-mature estates)30%
4-room and 5-room BTO flats (non-mature estates)30%
2-room Flexi and bigger BTO flats (mature estates)30%

4. First-timer Families (Other Families)

2-room Flexi BTO flats10%
3-room BTO flats25%
4-room and 5-room BTO flats35%

5. First-timer Families (Singles)

2-room Flexi BTO flats65%
3-room BTO flats
4-room and 5-room BTO flats

6. Second-timer Families Under the MCPS

2-room Flexi BTO flats (non-mature estates)5%
3-room BTO flats (non-mature estates)5%
4-room and 5-room BTO flats (non-mature estates)3%
2-room Flexi and bigger BTO flats (mature estates)3%

7. Second-timer Families Under the Assistance Scheme for Second-timers (Divorced/Widowed Parents) (ASSIST) Scheme

2-room Flexi BTO flats5%
3-room BTO flats5%
4-room and 5-room BTO flats

How to Apply for a BTO Flat

1. Select the Location

Select from location sites announced in the BTO sales launch.

2. Apply for the HFE Letter

With effect from 9 May 2023, the new HDB Flat Eligibility (HFE) letter replaces the old HDB Loan Eligibility (HLE) letter. What the HFE letter does is inform you of your HDB flat eligibility, CPF Housing Grant eligibility, HDB loan eligibility, and the amounts you qualify for and can loan.
If you’re not financing your BTO flat with an HDB loan, this is where you should apply for an In-Principal Approval (IPA) from participating Financial Institutions (FIs) through the HDB Flat Portal.
For those applying for the September BTO 2023 launch onwards, you will need a valid HFE letter.
You can submit your particulars for the preliminary HFE check to obtain your HFE letter via the HDB Flat Portal.

3. Submit the BTO Application

Submit an online application with HDB during the one-week application period.

4. Receive Results

Applicants’ queue positions to book flats are determined by balloting. Applicants may check for updates on their status. Successful applicants will be invited to book a BTO flat.

5. Book a BTO Flat

Check the flats’ availability before attending the appointment with HDB. Applicants will also need to bring along the required documents.
A Letter of Offer must be submitted if the applicant is obtaining a housing loan from a bank or FI. You need the Letter of Offer (LO) to confirm your housing loan.

6. Sign the Lease Agreement

Sign the Agreement for Lease. You will be invited to do so within nine months from when you have booked your BTO flat. You will also have to pay the down payment when you sign the Agreement for Lease. If you are eligible, you may opt for the Staggered Downpayment Scheme.

7. Collect the Keys

Flat keys can be collected in about 3.5 years after construction is completed.

Balloting Process

Note: Starting from September 2023, first-time BTO applicants who receive a BTO ballot but do not select a flat will be considered second-timers for one year. If they do not select a flat on their second BTO application, they will be unable to apply for a BTO flat for one year.
Each potential buyer may apply for BTO but balloting chances may vary.
In non-mature estates, a first-timer family/couple will get additional chances if the first two applications were unsuccessful.
0 to 1
2
0
2
2
2
1
3
3
2
2
4
4
2
3
5
An application is only considered unsuccessful if the applicant is not invited to select a BTO flat. Additional chances are not given for BTO launches in mature estates as the supply of these flats is limited.

BTO Eligibility

BTO Eligibility Criteria

New HDB flats are subsidised and meant for Singapore Citizens. Potential buyers and any other applicants and essential occupiers need to meet several eligibility conditions before applying for a flat.
Eligible applicant/Family nucleusDetails
The applicant will need to qualify under one of the eligible schemes– Public Scheme
– Fiancé/Fiancée Scheme
– Orphans Scheme
CitizenshipAt least one Singapore Citizen applicant
At least one other Singapore Citizen or Singapore PR*
AgeAt least 21 years old
Income ceilingThe applicant is within the set income ceiling for the flat they intend to buy
Property ownershipMust not have had interest in or owned any type of private property, otherwise
Must have disposed of private property at least 30 months before the HDB Flat Eligibility (HFE) letter application
Source: HDB
*First-timer households comprising only one Singapore Citizen and one or more Singapore Permanent Residents will have to pay a $10,000 premium at the point of flat purchase.
The additional $10,000 Citizen Top-Up Grant may be applied for upon conversion to Singapore Citizenship or when applicants have a Singapore Citizen child.

Eligibility Scheme

Under any of the existing eligibility schemes, applicants can get a new flat. Here are the available schemes individuals can apply for as a single, couple or a family and some general criteria.
Public Scheme
Spouse, and children (if any)

Parents, and siblings (if any)

Children under his/her care (if widowed/divorced)
At least 21 years and above

Applicants form a family nucleus that includes one Singapore Citizen, and at least one other Singapore Citizen/PR
A multi-generational family is any of the following:

– Married/engaged couple and parents

– Widowed/divorced with children under custody and parents
Fiancé/Fiancée Scheme
Spouse-to-be
At least 21 years and above

Be a Singapore Citizen and include at least one other Singapore Citizen or PR

Applicants will need to submit a copy of their marriage certificate upon or before taking possession of the flat

Applicants may need to submit the following documents depending on the circumstances:

– Written parental consent

– Special marriage license
A multi-generational family is any of the following:

– Married/engaged couple and parents

– Widowed/divorced with children under custody and parents
Single Singapore Citizen Scheme (SCSS)
Singles aged 35 and above, and are Singapore Citizens

Only for 2-room Flexi BTO flats in non-mature estates with a monthly household income ceiling of $7,000

Only first-timer core applicants qualify
Joint Singles Scheme (JSS)
Singles aged 35 and above

You must be a Singapore Citizen and include at least one other co-applicant who is also a Singapore Citizen

Only for 2-room Flexi BTO flats in non-mature estates with a monthly household income ceiling of $7,000

Only first-timer core applicants qualify
Non-Citizen Spouse Scheme
Couples, where one is a Singapore Citizen and the other, is neither a Singapore Citizen nor PR
At least 35 years old

Non-resident spouse needs a valid Visit Pass or Work Pass of any validity period

Only for 2-room Flexi BTO flats in non-mature estates with a monthly household income ceiling of $7,000

Must be a first-timer applicant
Orphans Scheme
Siblings who are orphans and unmarried
At least one of the deceased parents was a Singapore Citizen/PR

All siblings have to be single
For more details, you can refer to the HDB website for flat and grant eligibility for couples and families. If you’re single, click here for more details for flat and grant eligibility for singles.

BTO Flat Application Income Ceiling

The income ceiling depends on the type of flat you are planning to purchase. Applicants whose average gross monthly household income exceeds the income ceiling will not be able to apply for the chosen flat type.
BTO flat typeIncome ceiling (average gross monthly household income)
3-room BTO flat $7,000 or $14,000, depending on the project
4-room BTO flat– $14,000
– $21,000 if purchasing with extended or multi-generational family
The following table lists the types of income/allowance that will be considered for the income ceiling.
Income/allowance considerable for an income ceilingIncome/allowance considerable for income ceiling
Considered
– Allowances (fixed/variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
– Pension
– Stipend
– Sustenance
Not considered
– Alimony allowance
– Bonuses
– Director fees
– Income from overtime work
– Scholarship overseas allowance
– Interest from deposit accounts
– National Service allowance
– Rental income
Applicants should check what income documents are required for submission based on their nature of employment.

First or Second-timer Status

First-timer
The applicant, or any other listed owners and essential occupiers, has:



– Not bought a flat from HDB, or an EC/DBSS flat bought from a developer

– Not sold a flat from HDB, or an EC/DBSS flat bought from a developer

– Not received any CPF Housing Grant for the purchase of a resale flat

– Not taken any form of housing subsidy
Yes
Second-timer
The applicant, or any other listed owners and essential occupiers, has:



– Owned or sold

– HDB flat bought from HDB

– Resale flat bought using a CPF Housing Grant

– EC/DBSS flat bought from a developer

– Previously taken some form of housing subsidy
No

Determining Wait-out Period

There are instances where the applicant has to wait out a set period before he/she can apply or be listed in a new flat application:
  • First-timer applicants have more pressing housing needs and thus enjoy greater priority and privileges during the flat application process
  • Couples comprising a first and second-timer applicant will be considered as first-timer couples and enjoy the same priority benefits
Type of property owned/occupied
– HDB flat bought from HDB

– Resale flat bought using a CPF Housing Grant

– EC/DBSS flat bought from the developer
Wait-out period
MOP of five years, or 10 years if the flat is under the PLH model
One year

Financing a BTO Flat

Costs and Fees

The following is an overview of the costs and fees associated with the purchase of a flat from HDB.

1. Submitting the Application

$10 application fee
Payable by: Credit Card

2. Booking a BTO flat

Option fee
Payable by: Cash

3. Signing of the Agreement for Lease

Stamp duty and legal fees (may vary)
Downpayment (amount depends if you have opted for the Staggered Downpayment Scheme)
Payable by: Cash, CPF
For more information on the amount payable when you sign the Agreement for Lease, refer to HDB’s website.

4. Collection of Keys

Purchase price of the flat (may vary)
Home Protection Scheme
Fire Insurance
The remainder of down payment (amount depends if you have opted for the Staggered Downpayment Scheme)
Payable by: Cash, CPF
The following is an overview of the costs and fees associated with the purchase of a flat from HDB.
Submitting the application
$10 application fee
Credit card
Booking a BTO flat
Option fee
Cash
Signing Agreement for Lease
Stamp duty and legal fees

Down payment (partial)
Cash or CPF
Collection of keys
Stamp duty and legal fees

Home Protection Scheme

Fire Insurance

Down payment (remainder)

Balance of the purchase price
Cash or CPF
Applicants should have sufficient cash savings for:
  • Credit card payment of $10 administrative fee when buyers purchase a flat from HDB. For DBSS and EC applications, please check with the developers on the amount payable when submitting an application.
  • Option fee
  • The cash portion of the down payment
  • Cash proceeds from disposing of the last flat to take on a second HDB loan

Financing via CPF

Applicants can use their CPF Ordinary Account (OA) savings for:
  • Initial payment in whole or in part (amount payable varies with the type of housing loan taken)
  • Partial or full payment for flat purchase
  • Monthly housing loan instalments
The CPF withdrawal limit may apply and varies with the type of housing loan taken.

CPF Housing Grants

CPF Housing Grants are government housing subsidies for eligible Singapore Citizens. They are credited to an applicant’s CPF OA. Applicants can use them for a flat’s initial payment to reduce the housing loan amount.
Applicants can apply for the Enhanced CPF Housing Grant (EHG). In September 2019, it was announced that the EHG would replace the Additional CPF Housing Grant (AHG) and Special CPF Housing Grant (SHG).
The EHG will be available to those buying a new HDB flat or a resale flat. Additionally, there are no restrictions on the flat type and location. The average gross monthly household income ceiling for the EHG is $9,000 for first-timer households. Other conditions include that the remaining lease of the flat must be more than 20 years. View full terms of eligibility for the EHG grant here.
Applicants can receive grants under any one of the six categories:
  1. First-timer Applicants
  2. Second-timer Applicants
  3. First-timer and Second-timer Couple Applicants
  4. Non-Citizen Spouse Scheme
  5. Single Singapore Citizen Scheme
  6. Joint Singles Scheme (JSS) or Orphan Scheme
EHG
Eligible
Eligible for EHG (Singles)
Eligible for EHG (Singles)
Eligible for EHG (Singles)
Other grants
Step-Up CPF Housing Grant (SUHG)
Total grant amount
Up to $80,000
Up to $15,000
Up to $40,000
Up to $15,000
Up to $40,000
Up to $80,000
*Only applies to a 2-room Flexi flat in a non-mature estate
Conditions:
Eligibility depends on:
  • Income ceiling
  • Previous housing subsidies
  • Employment status
  • Remaining flat lease
  • Ownership of property

Taking an HDB Loan

HDB provides housing loans at a concessionary interest rate to eligible flat buyers. You will be informed of your eligibility to take an HDB-granted loan when you submit your personal particulars during the preliminary HFE check. At this step, you will also be informed of how much you can loan. After completing the preliminary HFE check, you can go on to submit your HFE letter application.

Eligibility Conditions

Applicant and essential occupiers must meet the following criteria:
  • At least one buyer is a Singapore Citizen
  • Monthly household income does not exceed $14,000 (or $21,000 for extended families)
  • Have not taken more than two HDB loans previously
  • Must not own any private residence (in Singapore or overseas)
  • Must not have disposed of private residential property within 30 months before the loan application

Contra Payment Facility For New Flats

Buyers who are selling their current flat can choose to apply for the Contra Payment Facility. Applicants are granted an additional loan on top of their housing loan after all their available CPF balance is used for the flat purchase.
The loan is redeemed with the net sale proceeds of the applicant’s current flat.
The interest charged is based on prevailing HDB loan interest rates.

HDB Housing Loan Information

Down paymentCan be fully paid for using CPF
Loan ceilingUp to 80% of the property value (or purchase price, whichever is lower)
Interest rate2.6% (i.e. 0.1% above CPF OA interest rate)
Repayment periodCapped at 25 years, or till the buyer is 65 years old, whichever is shorter
Monthly instalmentsCapped at 30% of applicants’ monthly income
InsuranceHDB Fire Insurance Policy, Home Protection Scheme (HPS)

Taking a Bank Loan

Applicants can choose to finance their flat with a housing loan from a bank regulated by the Monetary Authority of Singapore (MAS). Those who are not eligible for an HDB housing loan can also opt for a bank loan. You can now request an In-Principle Approval (IPA) from participating Financial Institutions (FIs) through the HDB Flat portal, as well as review potential loan options from participating FIs.
Applicants may apply for a bank loan through PropertyGuru Finance too. For those who want to compare the most competitive mortgage rates on the market, you can make use of the PropertyGuru Finance loan comparison tool. If you need more help, contact a Mortgage Expert for guidance; our experts can walk you through the home financing process. You may also apply for an In-Principle Approval (IPA) through PropertyGuru Finance.
Down paymentAt least 5% of the purchase price is to be paid in cash, the rest using CPF
Loan ceilingUp to 75% of the purchase price (for loan tenure of 25 years or less)
Interest rateDependent on bank
Repayment periodCapped at 30 years
Monthly instalmentsDependent on bank
InsuranceNone

Past BTO Projects by Estates

HDB BTO Prices in District 3 (Queenstown, Tiong Bahru) and 4 (Telok Blangah, Harbourfront)

Feb 2023
Ulu Pandan Glades (Queenstown)
3-room
From $372,000
Feb 2023
Ulu Pandan Glades (Queenstown)
4-room
From $541,000
Nov 2022
Ghim Moh Natura (Queenstown)
2-room
From $206,000
Nov 2022
Ghim Moh Natura (Queenstown)
3-room
From $364,000
Nov 2022
Ghim Moh Natura (Queenstown)
4-room
From $516,000
Nov 2022
Queensway Canopy (Queenstown)
Community Care Apartments
From $82,000
Nov 2022
Queensway Canopy (Queenstown)
3-room
From $392,000
Nov 2022
Queensway Canopy (Queenstown)
4-room
From $551,000
Nov 2022
Ulu Pandan Banks (Queenstown)
3-room
From $362,000
Nov 2022
Ulu Pandan Banks (Queenstown)
4-room
From $546,000
Aug 2022
Alexandra Vale (Bukit Merah)
3-room
From $385,000
Aug 2022
Alexandra Vale (Bukit Merah)
4-room
From $547,000
Aug 2022
Havelock Hillside (Bukit Merah)
3-room
From $370,000
Aug 2022
Havelock Hillside (Bukit Merah)
4-room
From $531,000
May 2022
Ghim Moh Ascent (Queenstown)
3-room
From $369,000
May 2022
Ghim Moh Ascent (Queenstown)
4-room
From $511,000
May 2022
Bukit Merah Ridge (Bukit Merah)
3-room
From $377,000
May 2022
Bukit Merah Ridge (Bukit Merah)
4-room
From $540,000
May 2021
Telok Blangah Beacon (Bukit Merah)
3-room
From $419,000
May 2021
Telok Blangah Beacon (Bukit Merah)
4-room
From $602,000
August 2021
Queen’s Arc (Queenstown)
3-room
From $382,000
August 2021
Queen’s Arc (Queenstown)
4-room
From $540,000

HDB BTO Prices in District 7 (Rochor)

Nov 2021
River Peaks I & II (Central – Rochor)
3-room
From $409,000
Nov 2021
River Peaks I & II (Central – Rochor)
4-room
From $582,000

HDB BTO Prices in District 12 (Toa Payoh)

May 2022
Kim Keat Heights
2-room Flexi
From $162,000
May 2022
Kim Keat Heights
3-room
From $289,000
May 2022
Kim Keat Heights
4-room
From $420,000
Feb 2020
Kim Keat Ripples, Toa Payoh Ridge
2-room Flexi
From $90,000
Feb 2020
Kim Keat Ripples, Toa Payoh Ridge
3-room
From $351,000
Feb 2020
Kim Keat Ripples, Toa Payoh Ridge
4-room
From $395,000
Nov 2020
Bartley Beacon

ParkView @ Bidadari
3-room
From $324,000
Nov 2020
Bartley Beacon

ParkView @ Bidadari
4-room
From $466,000
Nov 2020
Bartley Beacon
5-room
From $627,000
May 2018
Kim Keat Beacon
3-room
From $245,000
May 2018
Kim Keat Beacon
4-room
From $380,000

HDB BTO Prices in District 13 (Bidadari)

Feb 2021
Bartley GreenRise

ParkEdge @ Bidadari

Alkaff Breeze
3-room
From $312,000
Feb 2021
Bartley GreenRise

ParkEdge @ Bidadari

Alkaff Breeze
4-room
From $464,000
Feb 2021
Bartley GreenRise

ParkEdge @ Bidadari

Alkaff Breeze
5-room
From $611,000

HDB BTO Prices in District 14 (Kallang/Whampoa, Geylang)

May 2023
Farrer Park Arena (Kallang/Whampoa)
3-room
From $362,000
May 2023
Farrer Park Arena (Kallang/Whampoa)
4-room
From $505,000
Feb 2023
Rajah Summit (Kallang/Whampoa)
3-room
From $326,000
Feb 2023
Rajah Summit (Kallang/Whampoa)
4-room
From $459,000
Feb 2023
Farrer Park Fields (Kallang/Whampoa)
2-room Flexi
From $185,000
Feb 2023
Farrer Park Fields (Kallang/Whampoa)
3-room
From $356,000
Feb 2023
Farrer Park Fields (Kallang/Whampoa)
4-room
From $509,000
Nov 2022
Kallang Horizon (Kallang/Whampoa)
3-room
From $335,000
Nov 2022
Kallang Horizon (Kallang/Whampoa)
4-room
From $509,000
Feb 2022
King George’s Heights (Kallang/Whampoa)
3-room
From $353,000
Feb 2022
King George’s Heights (Kallang/Whampoa)
4-room
From $488,000
Feb 2022
Dakota Crest (Geylang)
2-room Flexi
From $205,000
Feb 2022
Dakota Crest (Geylang)
3-room
From $352,000
Feb 2022
Dakota Crest (Geylang)
4-room
From $522,000
Feb 2021
McNair Heights (Kallang/Whampoa)
2-room Flexi
From $117,000
Feb 2021
McNair Heights (Kallang/Whampoa)
3-room
From $359,000
Feb 2021
McNair Heights (Kallang/Whampoa)
4-room
From $532,000
May 2021
MacPherson Weave (Geylang)
2-room Flexi
From $180,000
May 2021
MacPherson Weave (Geylang)
3-room
From $343,000
May 2021
MacPherson Weave (Geylang)
4-room
From $489,000
Aug 2021
Towner Residences (Kallang/Whampoa)
3-room
From $336,000
Aug 2021
Towner Residences (Kallang/Whampoa)
4-room
From $500,000
Nov 2021
Kent Heights (Kallang/Whampoa)
2-room Flexi
From $192,000
Nov 2021
Kent Heights (Kallang/Whampoa)
4-room
From $511,000
Aug 2020
Dakota One (Geylang)
3-room
From $355,000
Aug 2020
Dakota One (Geylang)
4-room
From $523,000
Feb 2019
Kallang Breeze, Towner Crest (Kallang/Whampoa)
3-room
From $374,000
Feb 2019
Kallang Breeze, Towner Crest (Kallang/Whampoa)
4-room
From $523,000
May 2019
Kempas Residences (Kallang/Whampoa)
2-room Flexi
From $117,000
May 2019
Kempas Residences (Kallang/Whampoa)
3-room
From $387,000
May 2019
Kempas Residences (Kallang/Whampoa)
4-room
From $562,000

HDB BTO Prices in District 18 (Bedok)

May 2023
Bedok South Blossoms (Bedok)
2-room Flexi
From $165,000
May 2023
Bedok South Blossoms (Bedok)
3-room
From $320,000
May 2023
Bedok South Blossoms (Bedok)
4-room
From $448,000
May 2023
Bedok South Blossoms (Bedok)
5-room
From $588,000
May 2023
Bedok South Blossoms (Bedok)
3Gen
From $605,000

HDB BTO Prices in District 18 (Tampines, Pasir Ris)

Aug 2022
Sun Plaza Spring (Tampines)
4-room
From $342,000
Aug 2022
Sun Plaza Spring (Tampines)
5-room
From $475,000
Aug 2021
Tampines GreenQuartz (Tampines)
2-room Flexi
From $142,000
Aug 2021
Tampines GreenQuartz (Tampines)
3-room
From $244,000
Aug 2021
Tampines GreenQuartz (Tampines)

Tampines GreenJade (Tampines)
4-room*

5-room
From $342,000

From $475,000
Aug 2020
Tampines GreenCrest

Tampines GreenGlade

Tampines GreenOpal
3-room*

4-room

5-room
From $205,000

From $311,000

From $423,000
Aug 2020
Costa Grove (Pasir Ris)
2-room Flexi
From $137,000
Aug 2020
Costa Grove (Pasir Ris)
3-room
From $245,000
Aug 2020
Costa Grove (Pasir Ris)
4-room
From $374,000
Aug 2020
Costa Grove (Pasir Ris)
5-room
From $493,000
Nov 2020
Tampines GreenEmerald (Tampines)
2-room Flexi
From $130,000
Nov 2020
Tampines GreenEmerald (Tampines)
4-room
From $334,000
Nov 2020
Tampines GreenEmerald (Tampines)
5-room
From $460,000
Sept 2019
Tampines GreenGlen (Tampines)
4-room
From $312,000
Sept 2019
Tampines GreenGlen (Tampines)
5-room
From $418,000
Nov 2019
Tampines GreenSpring (Tampines)
2-room Flexi
From $145,000
Nov 2019
Tampines GreenSpring (Tampines)
3-room
From $281,000
Nov 2019
Tampines GreenSpring (Tampines)
4-room
From $394,000
Nov 2019
Tampines GreenSpring (Tampines)
5-room
From $508,000
May 2018
Kim Keat Beacon (Tampines)
3-room
From $245,000
May 2018
Kim Keat Beacon (Tampines)
4-room
From $380,000
May 2018
Tampines GreenVines (Tampines)
3-room
From $210,000
May 2018
Tampines GreenVines (Tampines)
4-room
From $312,000
May 2018
Tampines GreenVines (Tampines)
5-room
From $422,000
Nov 2018
Tampines GreenGem (Tampines)
2-room Flexi
From $134,000
Nov 2018
Tampines GreenGem (Tampines)
3-room
From $240,000
Nov 2018
Tampines GreenGem (Tampines)
4-room
From $352,000
Nov 2018
Tampines GreenGem (Tampines)
5-room
From $472,000
* Selling prices for the different flat types are similar for the different projects

HDB BTO Prices in District 19 (Sengkang, Punggol, Hougang, Serangoon)

May 2023
Serangoon North Vista (Serangoon)
4-room
From $397,000
May 2023
Serangoon North Vista (Serangoon)
5-room
From $558,000
Aug 2021
Kovan Wellspring (Hougang)
2-room Flexi
From $153,000
Aug 2021
Kovan Wellspring (Hougang)
3-room
From $289,000
Aug 2021
Kovan Wellspring (Hougang)
4-room
From $413,000
Aug 2021
Hougang Citrine (Hougang)
2-room Flexi
From $108,000
Aug 2021
Hougang Citrine (Hougang)
3-room
From $199,000
Aug 2021
Hougang Citrine (Hougang)
4-room
From $324,000
Aug 2021
Hougang Citrine (Hougang)
5-room
From $392,000
Nov 2021
Hougang Olive (Hougang)
4-room
From $308,000
Nov 2021
Hougang Olive (Hougang)
5-room
From $416,000
Nov 2021
Tanjong Tree Residences @ Hougang
4-room
From $318,000
Nov 2021
Tanjong Tree Residences @ Hougang
5-room
From $419,000
Feb 2019
Fernvale Vines (Sengkang)
2-room Flexi
From $102,000
Feb 2019
Fernvale Vines (Sengkang)
3-room
From $191,000
Feb 2019
Fernvale Vines (Sengkang)
4-room
From $283,000
Feb 2019
Fernvale Vines (Sengkang)
5-room
From $365,000
Feb 2019
Fernvale Vines (Sengkang)
3Gen
From $385,000
Sept 2019
Punggol Point Cove, Punggol Point Crown (Punggol)
2-room Flexi
From $109,000
Sept 2019
Punggol Point Cove, Punggol Point Crown (Punggol)
3-room
From $205,000
Sept 2019
Punggol Point Cove, Punggol Point Crown (Punggol)
4-room
From $287,000
Sept 2019
Punggol Point Cove, Punggol Point Crown (Punggol)
5-room
From $423,000
May 2018
Fernvale Dew (Sengkang)
2-room Flexi
From $99,000
May 2018
Fernvale Dew (Sengkang)
3-room
From $187,000
May 2018
Fernvale Dew (Sengkang)
4-room
From $279,000
May 2018
Fernvale Dew (Sengkang)
5-room
From $362,000
Nov 2018
Fernvale Acres (Sengkang)
4-room
From $270,000
Nov 2018
Fernvale Acres (Sengkang)
5-room
From $366,000

HDB BTO Prices in District 20 (Ang Mo Kio, Bishan)

Aug 2022
Central Weave @AMK (Ang Mo Kio)
3-room
From $198,000
Aug 2022
Central Weave @AMK (Ang Mo Kio)
4-room
From $535,000
Aug 2022
Central Weave @AMK (Ang Mo Kio)
5-room
From $720,000
Aug 2022
Central Weave @AMK (Ang Mo Kio)
3Gen
From $713,000
Aug 2020
Kebun Baru Edge (Ang Mo Kio)
4-room
From $423,000
Aug 2020
Kebun Baru Edge (Ang Mo Kio)
5-room
From $571,000
Aug 2020
Bishan Towers (Bishan)
2-room Flexi
From $176,000
Aug 2020
Bishan Towers (Bishan)
3-room
From $302,000
Aug 2020
Bishan Towers (Bishan)
4-room
From $484,000
Nov 2020
Bishan Ridges (Bishan)
2-room Flexi
From $121,000
Nov 2020
Bishan Ridges (Bishan)
3-room
From $374,000
Nov 2020
Bishan Ridges (Bishan)
4-room
From $528,000
Nov 2019
Yio Chu Kang Beacon (Ang Mo Kio)
2-room Flexi
From $170,000
Nov 2019
Yio Chu Kang Beacon (Ang Mo Kio)
3-room
From $332,000
Nov 2019
Yio Chu Kang Beacon (Ang Mo Kio)
4-room
From $451,000

HDB BTO Prices in District 22 (Boon Lay, Jurong, Tuas)

Feb 2023
Jurong West Crystal (Jurong West)
3-room
From $187,000
Feb 2023
Jurong West Crystal (Jurong West)
4-room
From $288,000
Aug 2022
Jurong East Breeze (Jurong East)
2-room Flexi
From $97,000
Aug 2022
Jurong East Breeze (Jurong East)
3-room
From $194,000
Aug 2022
Jurong East Breeze (Jurong East)
4-room
From $283,000
May 2022
Lakeside View (Jurong West)
2-room Flexi
From $107,000
May 2022
Lakeside View (Jurong West)
3-room
From $215,000
May 2022
Lakeside View (Jurong West)
4-room
From $320,000
May 2022
Lakeside View (Jurong West)
5-room
From $412,000
Aug 2021
Toh Guan Grove (Jurong East)
2-room Flexi
From $121,000
Aug 2021
Toh Guan Grove (Jurong East)
3-room
From $237,000
Aug 2021
Toh Guan Grove (Jurong East)
4-room
From $347,000
Nov 2021
Nanyang Opal (Jurong West)
3-room
From $173,000
Nov 2021
Nanyang Opal (Jurong West)
4-room
From $264,000
Feb 2019
Boon Lay Glade, Jurong West Jewel (Jurong West)
2-room Flexi
From $95,000
Feb 2019
Boon Lay Glade, Jurong West Jewel (Jurong West)
3-room
From $185,000
Feb 2019
Boon Lay Glade, Jurong West Jewel (Jurong West)
4-room
From $374,000
Feb 2019
Boon Lay Glade, Jurong West Jewel (Jurong West)
5-room
From $338,000
Feb 2019
Boon Lay Glade, Jurong West Jewel (Jurong West)
3Gen
From $382,000

HDB BTO Prices in District 23 (Hillview, Dairy Farm, Bukit Panjang, Choa Chu Kang)

Nov 2022
West Glades @ Bukit Batok (Bukit Batok)
2-room Flexi
From $105,000
Nov 2022
West Glades @ Bukit Batok (Bukit Batok)
3-room
From $206,000
Nov 2022
West Glades @ Bukit Batok (Bukit Batok)
4-room
From $309,000
Nov 2022
West Glades @ Bukit Batok (Bukit Batok)
5-room
From $405,000
Aug 2022
Keat Hong Grange (Bukit Batok)
2-room Flexi
From $102,000
Aug 2022
Keat Hong Grange (Bukit Batok)
3-room
From $194,000
Aug 2022
Keat Hong Grange (Bukit Batok)
4-room
From $277,000
Aug 2022
Keat Hong Grange (Bukit Batok)
5-room
From $390,000
Feb 2021
Harmony Village @ Bukit Batok (Bukit Batok)
2-room Flexi
From $92,000
Feb 2021
Harmony Village @ Bukit Batok (Bukit Batok)
Community care apartments
From $52,000
Feb 2021
West Hill @ Bukit Batok (Bukit Batok)
2-room Flexi
From $101,000
Feb 2021
West Hill @ Bukit Batok (Bukit Batok)
3-room
From $175,000
Feb 2021
West Hill @ Bukit Batok (Bukit Batok)
4-room
From $260,000
Feb 2021
West Hill @ Bukit Batok (Bukit Batok)
5-room
From $384,000
Nov 2021
Heart of Yew Tee (Choa Chu Kang)
2-room Flexi
From $72,000
Aug 2020
Keat Hong Verge (Choa Chu Kang)
2-room Flexi
From $99,000
Aug 2020
Keat Hong Verge (Choa Chu Kang)
3-room
From $164,000
Aug 2020
Keat Hong Verge (Choa Chu Kang)
4-room
From $253,000

HDB BTO Prices in District 24 (Lim Chu Kang, Tengah)

May 2023
Plantation Verge
2-room Flexi
From $125,000
May 2023
Plantation Verge
3-room
From $238,000
May 2023
Plantation Verge
4-room
From $350,000
May 2023
Plantation Verge
5-room
From $454,000
May 2023
Parc Meadow @ Tengah
2-room Flexi
From $127,000
May 2023
Parc Meadow @ Tengah
3-room
From $253,000
May 2023
Parc Meadow @ Tengah
4-room
From $363,000
May 2023
Parc Meadow @ Tengah
5-room
From $489,000
Feb 2023
Brickland Weave (Tengah)
2-Room Flexi
From $97,000
Feb 2023
Brickland Weave (Tengah)
3-room
From $190,000
Feb 2023
Brickland Weave (Tengah)
4-room
From $291,000
Feb 2023
Brickland Weave (Tengah)
5-room
From $401,000
Nov 2022
Garden Waterfront I & II @ Tengah
2-room Flexi
From $111,000
Nov 2022
Garden Waterfront I & II @ Tengah
3-room
From $214,000
Nov 2022
Garden Waterfront I & II @ Tengah
4-room
From $307,000
Nov 2022
Garden Waterfront I & II @ Tengah
5-room
From $428,000
Feb 2022
Parc Flora @ Tengah
2-room Flexi
From $132,000
Feb 2022
Parc Flora @ Tengah
3-room
From $231,000
Feb 2022
Parc Flora @ Tengah
4-room
From $322,000
Feb 2022
Parc Flora @ Tengah
5-room
From $428,000
Feb 2022
Plantation Creek (Tengah)
4-room
From $309,000
Feb 2022
Plantation Creek (Tengah)
5-room
From $420,000
Feb 2021
Parc Woods @ Tengah
2-room Flexi
From $110,000
Feb 2021
Parc Woods @ Tengah
3-room
From $209,000
Feb 2021
Parc Woods @ Tengah
4-room
From $298,000
May 2021
Garden Bloom @ Tengah
2-room Flexi
From $113,000
May 2021
Garden Bloom @ Tengah
4-room
From $299,000
May 2021
Garden Bloom @ Tengah
5-room
From $404,000
Nov 2021
Parc Clover @ Tengah, Parc Glen @ Tengah
2-room Flexi
From $119,000
Nov 2021
Parc Clover @ Tengah, Parc Glen @ Tengah
3-room
From $194,000
Nov 2021
Parc Clover @ Tengah, Parc Glen @ Tengah
4-room
From $312,000
Nov 2021
Parc Clover @ Tengah, Parc Glen @ Tengah
5-room
From $428,000
Aug 2020
Parc Residences @ Tengah
2-room Flexi
From $108,000
Aug 2020
Parc Residences @ Tengah
3-room
From $198,000
Aug 2020
Parc Residences @ Tengah
4-room
From $303,000
Aug 2020
Parc Residences @ Tengah
5-room
From $418,000
Nov 2020
Garden Court @ Tengah, Garden Terrace @ Tengah
2-room Flexi
From $108,000
Nov 2020
Garden Court @ Tengah, Garden Terrace @ Tengah
3-room
From $194,000
Nov 2020
Garden Court @ Tengah, Garden Terrace @ Tengah
4-room
From $288,000
Nov 2020
Garden Court @ Tengah, Garden Terrace @ Tengah
5-room
From $394,000
May 2019
Garden Vale @ Tengah, Plantation Acres
2-room Flexi
From $106,000
May 2019
Garden Vale @ Tengah, Plantation Acres
3-room
From $192,000
May 2019
Garden Vale @ Tengah, Plantation Acres
4-room
From $309,000
May 2019
Garden Vale @ Tengah, Plantation Acres
5-room
From $415,000
Nov 2019
Garden Vines @ Tengah, Plantation Village, Plantation Grange
2-room Flexi
From $110,000
Nov 2019
Garden Vines @ Tengah, Plantation Village, Plantation Grange
3-room
From $208,000
Nov 2019
Garden Vines @ Tengah, Plantation Village, Plantation Grange
4-room
From $302,000
Nov 2019
Garden Vines @ Tengah, Plantation Village, Plantation Grange
5-room
From $409,000
Nov 2019
Garden Vines @ Tengah, Plantation Village, Plantation Grange
3Gen
From $442,000
Nov 2018
Plantation Grove
2-room Flexi
From $101,000
Nov 2018
Plantation Grove
3-room
From $193,000
Nov 2018
Plantation Grove
4-room
From $290,000
Nov 2018
Plantation Grove
5-room
From $397,000
Nov 2018
Plantation Grove
3Gen
From $423,000

HDB BTO Prices in District 25 (Woodlands)

Aug 2022
Woodlands South Plains
2-room Flexi
From $98,000
Aug 2022
Woodlands South Plains
3-room
From $188,000
Aug 2022
Woodlands South Plains
4-room
From $303,000
May 2021
Woodgrove Ascent
2-room Flexi
From $98,000
May 2021
Woodgrove Ascent
3-room
From $185,000
May 2021
Woodgrove Ascent
4-room
From $275,000
May 2021
Woodgrove Ascent
5-room
From $372,000
Aug 2020
Champions Bliss, UrbanVille @ Woodlands
2-room Flexi
From $90,000
Aug 2020
Champions Bliss, UrbanVille @ Woodlands
3-room
From $184,000
Aug 2020
Champions Bliss, UrbanVille @ Woodlands
4-room
From $276,000
Aug 2020
Champions Bliss, UrbanVille @ Woodlands
5-room
From $405,000
May 2019
Champions Green
2-room Flexi
From $86,000
May 2019
Champions Green
3-room
From $165,000
May 2019
Champions Green
4-room
From $244,000
May 2019
Champions Green
5-room
From $336,000

HDB BTO Prices in District 27 (Yishun, Sembawang)

Nov 2022
Vanda Breeze @ Yishun
2-room Flexi
From $100,000
Nov 2022
Vanda Breeze @ Yishun
3-room
From $175,000
Nov 2022
Vanda Breeze @ Yishun
4-room
From $270,000
Nov 2022
Vanda Breeze @ Yishun
5-room
From $391,000
Nov 2022
Miltonia Breeze @ Yishun
2-room Flexi
From $84,000
Nov 2022
Miltonia Breeze @ Yishun
4-room
From $248,000
Nov 2022
Miltonia Breeze @ Yishun
5-room
From $375,000
Nov 2022
Aranda Breeze @ Yishun
2-room Flexi
From $99,000
Nov 2022
Aranda Breeze @ Yishun
4-room
From $276,000
Nov 2022
Aranda Breeze @ Yishun
5-room
From $366,000
Feb 2022
Grove Spring @ Yishun
2-room Flexi
From $102,000
Feb 2022
Grove Spring @ Yishun
3-room
From $180,000
Feb 2022
Grove Spring @ Yishun
4-room
From $270,000
Feb 2022
Grove Spring @ Yishun
5-room
From $385,000
Feb 2022
Yishun Boardwalk
2-room Flexi
From $95,000
Feb 2022
Yishun Boardwalk
3-room
From $189,000
Feb 2022
Yishun Boardwalk
4-room
From $276,000
Feb 2022
Yishun Boardwalk
5-room
From $410,000
May 2022
Yishun Beacon (Yishun)
2-room Flexi
From $123,000
May 2022
Yishun Beacon (Yishun)
4-room
From $328,000
May 2022
Yishun Beacon (Yishun)
5-room
From $485,000
Feb 2020
Canberra Vista (Sembawang)
2-room Flexi
From $89,000
Feb 2020
Canberra Vista (Sembawang)
3-room
From $177,000
Feb 2020
Canberra Vista (Sembawang)
4-room
From $272,00
Feb 2020
Canberra Vista (Sembawang)
5-room
From $350,000
Feb 2020
Canberra Vista (Sembawang)
3Gen
From $355,000
Nov 2020
Sun Sails (Sembawang)
2-room Flexi
From $92,000
Nov 2020
Sun Sails (Sembawang)
3-room
From $163,000
Nov 2020
Sun Sails (Sembawang)
4-room
From $260,000
Nov 2020
Sun Sails (Sembawang)
5-room
From $336,000
May 2018
Casa Spring @ Yishun
2-room Flexi
From $76,000
May 2018
Casa Spring @ Yishun
4-room
From $256,000
May 2018
Casa Spring @ Yishun
5-room
From $335,000
May 2018
Casa Spring @ Yishun
3Gen
From $347,000
Aug 2018
Yishun Glen (Yishun)
3-room
From $178,000
Aug 2018
Melody Spring @ Yishun
2-room Flexi
From $75,000
Aug 2018
Melody Spring @ Yishun
4-room
From $248,000
Aug 2018
Melody Spring @ Yishun
5-room
From $334,000
Nov 2018
EastGlen @ Canberra
3-room
From $165,000
Nov 2018
EastGlen @ Canberra
4-room
From $251,000
Nov 2018
EastGlen @ Canberra
5-room
From $327,000
Nov 2018
Melody Spring @ Yishun
3-room
From $170,000
Nov 2018
Melody Spring @ Yishun
4-room
From $259,000
Nov 2018
Melody Spring @ Yishun
5-room
From $346,000
Disclaimer: The information is provided for general information only. PropertyGuru Pte Ltd makes no representations or warranties in relation to the information, including but not limited to any representation or warranty as to the fitness for any particular purpose of the information to the fullest extent permitted by law. While every effort has been made to ensure that the information provided in this article is accurate, reliable, and complete as of the time of writing, the information provided in this article should not be relied upon to make any financial, investment, real estate or legal decisions. Additionally, the information should not substitute advice from a trained professional who can take into account your personal facts and circumstances, and we accept no liability if you use the information to form decisions.

More FAQs About Build-to-Order (BTO) Flats

BTO stands for ‘Build-To-Order’ and refers to new public housing flats built and sold by Housing & Development Board (HDB).

For the upcoming BTO launch in September 2023, new flats will be offered across Queenstown, Choa Chu Kang, Kallang/Whampoa, and Tengah. You can apply for a BTO flat directly from HDB during its quarterly launches in February, May, August, and November.

Yes, singles can buy 2-room Flexi BTO flats via the Single Singapore Citizen Scheme or Joint Singles Scheme.

HDB BTO flat prices depend vary depending on the project and are released only during the BTO launches. BTO flats are considered subsidized housing and hence are cheaper than resale flats on the open market and private properties.

You can buy a BTO flat from HDB twice. The second time, you will need to pay a resale levy.

HDB BTO flats are built to order, and generally take about four to five years to complete.