If you’re looking for affordable housing options in Singapore, the Built-To-Order (BTO) scheme by the Housing and Development Board (HDB) might just be the solution you’re looking for. BTO flats are new, subsidised public housing flats that are built by HDB in response to demand. These flats are sold at a lower price than other types of public housing, making them an attractive option for first-time homeowners and families.

To be eligible for a BTO flat, you must meet certain criteria, such as being a Singapore citizen or permanent resident, and not owning any other property. The application process for BTO flats is straightforward, and you can apply online through the HDB website. Once your application is successful, you will be invited to select a flat based on your eligibility and balloting results.
BTO flats are available in a variety of sizes and locations across Singapore, and you can choose from different types of flats such as 2-room Flexi, 3-room, 4-room, 5-room, and 3Gen flats. With a BTO flat, you can enjoy the benefits of living in a modern, well-designed home that is close to amenities such as schools, shopping centres, and public transport.
Key Takeaways
- BTO flats are affordable public housing options built by HDB in response to demand.
- To be eligible for a BTO flat, you must meet certain criteria and apply through the HDB website.
- BTO flats are available in a variety of sizes and locations across Singapore, and offer modern, well-designed homes close to amenities.
Understanding BTO and HDB

What Is BTO?
If you are looking to buy a new home in Singapore, you may have come across the term BTO. BTO stands for “Build-To-Order” and it is a type of public housing model in Singapore. BTO flats are built in response to demand, and are sold to eligible buyers at a subsidized price.
BTO flats are usually located in new estates, and come in a variety of sizes and layouts. They are designed to be affordable, comfortable and functional. BTO flats are available in different locations across Singapore, and are sold through a balloting system.
The Role of HDB in Singapore’s Housing
The Housing and Development Board (HDB) is the government agency responsible for public housing in Singapore. It was established in 1960 to provide affordable housing for the growing population. Today, HDB provides homes for more than 80% of Singapore’s population.
HDB flats are designed to be affordable and functional, and are available in a range of sizes and layouts. They are sold on a leasehold basis, with lease periods of either 99 years or 999 years. HDB flats are located in different estates across Singapore, and are sold through various schemes, including BTO, Sale of Balance Flats (SBF), and Resale Flats.
HDB plays an important role in Singapore’s housing landscape, and is committed to providing affordable and quality homes for Singaporeans. With its various schemes and initiatives, HDB has helped many Singaporeans achieve their dream of owning a home.
In conclusion, BTO and HDB are important components of Singapore’s public housing model. They provide affordable and quality homes for Singaporeans, and are an integral part of Singapore’s housing landscape.
Eligibility and Application Process
If you are interested in purchasing a Build-To-Order (BTO) flat in Singapore, there are a few things you need to know about the eligibility and application process. In this section, we will cover who is eligible for BTO flats, how to apply for a BTO flat, and the ballot system.
Who is Eligible for BTO Flats?
To be eligible for a BTO flat, you must meet certain criteria set by the Housing & Development Board (HDB). First-timers, second-timer families, and those who are eligible for the Family and Parenthood Priority Scheme (FPPS) are all eligible to apply.
To apply for a BTO flat, you must be a Singapore Citizen, at least 21 years old, and have a valid SingPass account. Additionally, you must not own any other property in Singapore or overseas, and your average gross monthly income for the past 12 months must not exceed $14,000 for families and $7,000 for singles.
How to Apply for a BTO Flat
To apply for a BTO flat, you must first check your eligibility on the HDB Flat Portal. Once you have confirmed your eligibility, you can proceed to apply for a flat during the BTO launch.
During the application process, you will need to provide details such as your preferred location, flat type, and financing options. You will also need to pay a non-refundable application fee of $10.
Understanding the Ballot System
After the BTO launch, a ballot will be conducted to determine the allocation of flats. If your application is successful, you will be invited to select a flat and sign the Agreement for Lease and Mortgage.
If your application is unsuccessful, you can either try again during the next BTO launch or consider purchasing a resale flat. It’s important to note that non-selection of flats during the ballot does not affect your eligibility for future BTO launches.
Overall, the eligibility and application process for BTO flats in Singapore is straightforward and accessible f