Ultimate BTO guide

Low angle shot of Singapore Government apartments
New Singapore government apartments

What are BTOs?

BTO (also known as Build to Order) flats are public housing in Singapore and the many estates are home to most Singaporeans. 

But what is a BTO exactly? If you want to know more about that, we’ve condensed all the important parts into a single article which you can read here.

Modern day BTO flats

Modern day BTO flats

Purchasing a BTO in Singapore can feel like a complicated process for a first-timer. To make your life a lot simpler, we’ve collected all our self-help and guide articles into one easy to manage page.

These articles are written to help you better understand the process before you attend your first appointment.

Requirement to apply BTO (Eligibility) & Process to buy BTO (BTO buying guide)

BTO: How to apply

Determining your eligibility for buying a BTO

Buying your first BTO

Payment schemes (including HDB housing loan) & use of CPF for loan repayment

Getting the buying paperwork right for resale properties

Beginner’s guide to mortgage loans

HDB loans vs bank loans

Financial options for buying a BTO

Other BTO queries

What you can and can't do with your BTO flat

HDB rules

New vs. old flats: What can you afford?

Do I need an agent to buy a home?

Can I buy a BTO flat after selling private property?

HDB's Home Office Scheme

When is it acceptable to cancel my BTO booking?

How the ethnic quota can affect your buying/selling ability

Joint Singles Scheme

When happens to your BTO when you divorce?

What happens to the BTO following a death?

As BTO flats are essentially part of a public estate, there are certain rules and limitations put forth by HDB to ensure that people live in relative peace. If you’re interested to find out what some of HDB’s most important living policies are, click here.

In 2017, four areas will be home to new BTO estates. Click on each link to read more about the investment and rental potential about the areas:


Located in the north of Singapore, district 25 counts Marsiling, Woodgrove and Woodlands as its core neighbourhoods. Lately, the government unveiled the 'Remaking our Heartland' (RoH) that is expected to breath new life and vitality into mature district.

Admiralty MRT Station and integrated centre

Admiralty MRT Station and integrated centre

If you're interested in buying property in Woodlands, then first, you will need to understand Woodlands, through its home prices.


Yishun is part of district 27 and holds the distinction of being Singapore's first dementia-friendly town. Considered a young town, Yishun is also part of the 'Remaking our Heartland' (ROH) programme, with new developments and infrastructure slated to beef up the district.

Yishun Ring Road

Yishun Ring Road

If you're interested in buying property in Yishun, you will first need to understand the historic data from past transactions. Read more here.


Bidadari is a developing new town expected to see completion sometime in 2019 or 2020. It is considered to be central as it is within proximity to three MRT stations. It is also close to Toa Payoh. Read more here.


Geylang's former moniker as a red light district is gradually being scrubbed away as more modern developments encroach into this old-fashioned looking district.



A new BTO estate in Geylang is expected to be extremely popular given the wealth of amenities available within walking distance, including MRT stations like Dakota. Read more here.


A sleepy town no longer, Sengkang is a gradually growing estate outfitted with LRT stations, good schools and plenty of nature all around. 

Anchorvale in Sengkang

Anchorvale in Sengkang

There is much growth here and plenty of potential. To understand just how much, read more here.

Bukit Batok

A growing town surrounded by nature, including the unique natural formation known as Little Guilin, Bukit Batok is expected to see much improvement in the coming years.

Bukit Batok

Bukit Batok (Source: Wiki Commons)

As an up and coming town, now is a good time to start looking into moving there if you're property hunting. Read more about Bukit Batok's property potential here.

2018 & beyond

On November 14th 2017, HDB launched 8,230 flats in its latest sales exercise. Read more about it here.

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