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Hi, appreciate your sharing over PropertyGuru, Yes you are able to apply BTO or new EC for your next purchase. However, you can do HFE after 5 years MOP to double check.

Yes, a Singaporean can purchase a Build-To-Order (BTO) flat a maximum of two times in their lifetime

Looking forward to assist you at WhatsApp +65 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart
PropNex Senior Associate Division Director Read More

Yes, you are still eligible to do so, although your ballot chances might be lower.

Sounds like you are in the midst of making property moves.

I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy.

Would love to connect to understand more about what you are planning, and help you to facilitate that transition. Please drop me a message via my contact below:

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Hi! Yes, you may still be eligible to apply for a BTO or Sale of Balance Flat after completing the MOP of your current resale flat.

As both of you used a CPF Housing Grant when purchasing your current resale flat, HDB considers you to have enjoyed one housing subsidy. This means that for your next BTO/SBF application, you would generally be applying as second-timers.

Do note that a resale levy will generally be applicable if you subsequently purchase another subsidised flat from HDB.

Your actual eligibility will also depend on the prevailing HDB conditions at the time of application, including household income and the particular flat/project you're applying for.

If you let me know roughly when your MOP will be completed and whether you're looking to upgrade to a larger flat or move to a particular location, I can help you work through the options. Read More

Hi

Based on the info shared, assuming you don't have other properties purchased prior, you will be considered 2nd timer applicant. It is still possible to apply BTO / SOBF, but your chances will be much lower than other 1st-timers as only a limited supply is set aside for 2nd timer. If you manage to get a flat unit, a resale levy of 40k is also applicable and payable by cash only.

No harm trying first for the BTO exercise and try balloting, but you need to clear MOP of current flat first, and apply HFE first.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 home-owners to smoothly complete their housing plans over the years. Please reach out to me at (65) 9 7 4 3 2 3 9 5 for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng
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-- HDB Toa Payoh 5-RM Sellers of Million-Dollar HDB, Mr. & Mrs Leong

We were fortunate to have met Ivan Ng. He was thorough in going through what the complicated home-selling process required of us and more so in understanding what we would like to achieve from the sale of our unit. His responsiveness and assurance, was a trait that we really appreciate. We managed to secure a sale that exceeded our expectation with Ivan’s advises. The offered price for our unit was a record set for the flats in the neighborhood. This was definitely supported by the fact that Ivan’s listing of our unit was detailed and stood out from other listings. Because of this, we also engaged Ivan's service to help us search and buy our new resale home. After some searches and viewings, we managed to secure one at a reasonable price with his help. With Ivan’s cheery and positive demeanour, selling our unit to procuring a new one, was a smooth journey for us. It was a pleasure to have worked with him.

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Before contacting Ivan Ng, our Property Realtor, we were quite apprehensive about our Contra-deal ( concurrent resale & purchase of HDB flats) as at that time the outlook of the resale property market was quite sluggish & pessimistic. But surprisingly our property realtor, Ivan , was able to put us at ease with his professional competence, astute work experience & friendly nature . He was able to consummate our contra-deal within one month of our HDB application. Now we are convinced by his promise that (in Ivan's own words) ... "A contra-deal is where the sale & purchase transactions are done concurrently and completed on the same day. This results in a seamless transition of the funds from your sale proceeds and CPF proceeds towards your purchase price." More importantly Ivan has also managed to clinch a good deal for our contra-deal. We'll certainly recommend him to our kins & friends. Thank you very much, Ivan. We are definitely your satisfied customers! Read More

I would be glad to assist you.
Feel free to contact me at
wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

**Yes, you are eligible to apply for a BTO or Sale of Balance Flat (SBF) once you complete your Minimum Occupation Period (MOP).**

Because you received a CPF Housing Grant for your resale flat, HDB classifies your household as a **second-timer**. Every eligible Singapore Citizen household is entitled to **two subsidised housing opportunities** from HDB. Your resale flat with grant counts as your first, leaving you with one final subsidised purchase (a BTO, SBF, or new Executive Condominium).

---

### Key Rules & Requirements for Second-Timers

1. **Mandatory Resale Levy:**
* Buying another subsidised flat directly from HDB triggers a **fixed resale levy** based on your current flat type.
* For your **4-room flat**, the resale levy is **S$40,000**.
* The levy is payable in **cash** (deducted from your flat sale proceeds or paid upon taking possession/key collection of the new BTO).

2. **Second-Timer BTO Quota:**
* The vast majority of BTO supply (around 85% to 95%) is reserved for first-timers.
* Second-timers compete for the remaining **5% (mature/Plus/Prime) to 15% (non-mature/Standard)** quota. Expect ballot odds to be significantly lower than for first-timers, meaning it may take multiple launch exercises to secure a queue number.

3. **Income Ceiling:**
* Your combined monthly household income must not exceed the prevailing BTO cap of **S$14,000** (or **S$21,000** if applying with an extended/multi-generation family for 3Gen flats).

4. **CPF Housing Grants:**
* Because both of you are second-timers, you will **not be eligible for the Enhanced CPF Housing Grant (EHG)** on the new BTO.

5. **Disposal of Current Flat:**
* You are not required to sell your resale flat before applying for the BTO.
* You only need to sell your current 4-room flat within **6 months of collecting the keys** to your new BTO/SBF.

---

Gan Eng Joo Onassis 颜荣裕, REALTOR®

MSc BIT (Middlesex, England, United Kingdom); BBA (South Australia)

CEA Reg No: R021244C | Singapore Line: (+65) 88899918 

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Hi,

1) Yes, you are eligible to apply for BTO/SBF.
2) You enjoyed subsidizes buying a resale flat with grant, therefore, you will be categorized under 2nd timer.
3) You will be subject to a resale levy of $40k. This levy must be paid in cash only.
4) If you intend to apply for HDB loan again, you will also be subject to right-sizing policy as well.
5) This means that 50% of the cash proceeds must be used to pay for the BTO/SBF.

All The Best!!!

I hope the above answers your main concerns. If you have more questions, please feel free to contact me at 9011*0636 or email ling.ck7@gmail.com if you need more information.
I'll be glad to assist.

Best regards
Ling CK
9011 * 0636
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/ Read More

✔1 Yes, you may apply for a new BTO or EC after fulfilling the MOP of your current flat, subject to HDB eligibility rules.

✔2 Based on the information shared, you would generally be considered a 2nd timer. You can still apply for BTO or SBF, but the supply and allocation for 2nd timers are more limited.

✔3 You can apply for an HFE after fulfilling your MOP to confirm your eligibility, grants and financing.

✔4 If successful in buying another subsidised flat, a resale levy may apply. For a 4 room flat, the current fixed levy is $40,000.

✔5 No harm trying your luck with the BTO exercise first, once your MOP is fulfilled.

“Patience is the companion of wisdom.” — Saint Augustine

WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.
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