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

5 September 2022, 7:05 pm·37-min read

[Update: In the next two years, the median waiting period for BTO projects to be completed will be between four and four-and-a-half years. Some BTO projects continue to be delayed, with delays ranging between six to 12 months, due to the COVID-19 pandemic.]

Build-To-Order (BTO) is one of the modes of sale of new HDB BTO flats in Singapore. An HDB BTO sales launch takes place quarterly and typically offers a range of flat types across a few estates.

This system offers the applicant flexibility in location and timing when applying for his/her 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 3-4 years is usually required since flats are built upon order.

2022 HDB BTO Launches
Upcoming HDB BTO Launch (November 2022)
- Non-mature Estates
- Mature Estates
HDB BTO Application and Selection
HDB BTO Eligibility
HDB BTO Financing
- HDB Home Loan
- Bank Loan
Past HDB BTO Projects (By Estate)

2022 HDB BTO Launches

The BTO supply for 2022 launches, according to HDB:

BTO February 2022	3,953 units
BTO May 2022	4,583 units
BTO August 2022	4,993 units
BTO November 2022	About 9,500 units

The 2022 HDB BTO flats are in the following locations:

BTO February 2022	Geylang, Kallang/Whampoa, Tengah, and Yishun
BTO May 2022	Bukit Merah, Jurong West, Queenstown, Toa Payoh, and Yishun
BTO August 2022	Ang Mo Kio, Bukit Merah, Choa Chu Kang, Jurong East, Tampines, and Woodlands
BTO November 2022	Bukit Batok, Kallang/Whampoa, Queenstown, Tengah and Yishun

BTO Launch Months

Every year, HDB releases new BTO flats in February, May, August and November. 2020 was an exception when the May projects were postponed and eventually combined with the August 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 May 2022 BTO saw projects in five estates, while the August 2022 BTO flats will be located across six estates.

The upcoming November 2022 BTO launch will see flats launched across five estates.

Prime Location Public Housing (PLH) Model

On 27 October 2021, HDB announced the Prime Location Housing (PLH) model. During the Nov 2021 launch, River Peaks I & II in Rochor were the first flats released under the PLH model. The second PLH BTO project is King George’s Heights in Kallang/Whampoa, from the February 2022 launch.

The latest PLH BTO projects are Alexandra View and Havelock Hillside, from the August 2022 BTO launch.

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. As such, PLH flats are subject to a subsidy clawback, a 10-year Minimum Occupation Period (MOP), and other rules.

[ArticleCallout]{ “title”: “Prime Location Public Housing (PLH) Model Singapore: Additional Subsidies, 10-Year MOP and More”, “excerpt”: “Learn more about the PLH model here.”, “link”: “https://www.propertyguru.com.sg/property-guides/hdb-prime-location-housing-model-plh-56833”, “image”: “https://img.iproperty.com.my/angel-legacy/1110×624-crop/static/2021/10/hdb-prime-location-housing-model-.jpg” } [/ArticleCallout]

Upcoming HDB BTO Launch — November 2022

The August 2022 BTO applications are now closed. For the upcoming November 2022 BTO launch, new flats will be offered at the following estates:

Estate	Flat type	Units available
Bukit Batok	2-room Flexi, 3-room, 4-room, 5-room	790
Kallang/Whampoa	3-room, 4-room	470
Queenstown	2-room Flexi, 3-room, 4-room, Community Care Apartment	3,250
Tengah	2-room Flexi, 3-room, 4-room, 5-room	2,070
Yishun	2-room Flexi, 3-room, 4-room, 5-room	2,960

Note: This page serves the purpose of providing information only. To purchase a BTO, 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 1st of every month, but may be generalized 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.

[ArticleCallout]{ “title”: “EIP and HDB Quota: Let’s Talk About Race and Property Eligibility in Singapore”, “excerpt”: “Some of Singapore’s housing policies have ignited impassioned discussions, and the EIP imposed by the HDB is no exception.”, “link”: “https://www.propertyguru.com.sg/property-guides/racism-racial-discrimination-singapore-property-40716”, “image”: “https://img.iproperty.com.my/angel-legacy/1110×624-crop/static/2021/01/pexels-pixabay-racial-harmony-helping-hands.jpg” } [/ArticleCallout]

Upcoming 2022 BTO Launches (Non-Mature Towns/Estates)

Bukit Batok

HDB BTO launch	November 2022
Location	Bukit Batok
Flat type	2-room Flexi, 3-room, 4-room, 5-room
Expected units	790

The upcoming BTO in Bukit Batok consists of 7900 2-room Flexi, 3-room, 4-room, and 5-room flats. The new flats will be bounded by Bukit Batok West Avenue 2 and Bukit Batok West Avenue 5.

This BTO site is a 10-minute walk from Bukit Gombak MRT station on the North South Line. Via the Bukit Batok Park Connector, future residents can head to Little Guilin, Bukit Batok Hillside Park and Bukit Batok Nature Park, giving them easy access to nature and greenery.

There are also numerous schools within easy walking distance. The Bukit Batok November 2022 BTO launch is expected to be reasonably priced.

Transportation	Shopping & leisure amenities	Educational institutions	Medical amenities
Bukit Gombak MRT station	Hong Kah North Community Club Bukit Batok Hillside Park Little Guilin The Quest Shopping Mall West Mall Bukit Gombak Sports Hall Bukit Gombak ActiveSG Stadium Civil Service Club @ Bukit Batok	Dazhong Primary School Dunearn Secondary School St Anthony’s Primary School Swiss Cottage Secondary School Hillgrove Secondary School Lianhua Primary School Millennia Institute Dulwich College (Singapore)	Bukit Batok West Clinic Everhealth Family Clinic & Surgery ProHealth Medical Group Q & M Dental Surgery (Bukit Batok West) Frontier Medical Associates

Read our full review of the upcoming November 2022 HDB BTO launch in Bukit Batok or browse HDB resale flats in Bukit Batok.

Tengah

HDB BTO launch	November 2022
Location	Tengah
Flat type	2-room Flexi, 3-room, 4-room, 5-room
Expected units	2,070

The BTO project in Tengah which is bounded by Tengah Garden Avenue and Tengah Garden (u/c), consists of about 2,070 2-room Flexi, 3-room, 4-room and 5-room flats. It is located near the Pan-Island Expressway (PIE).

The Tengah BTO project site is not near an existing MRT station. In part, this is due to the neighbourhood still being under construction. However, once the Jurong Region Line (JRL) is fully completed in 2029, residents will have easy access to F&B and entertainment options at Jem, Westgate or JCube.

Transportation	Shopping & leisure amenities	Educational institutions	Medical amenities
JS4 (Jurong Region Line; under construction)	Jurong Green Community Club Jurong East Sport Centre	Jurongville Secondary School Dulwich College Jurong Primary School Hua Yi Secondary School Fuhua Secondary School Yuhua Secondary School Shuqun Primary School Rulang Primary School Jurong Pioneer Junior College Canadian International School	Proposed Health & Medical Care centre (under construction)

Read our full review of the upcoming November 2022 HDB BTO launch in Tengah or browse HDB resale flats in Jurong West.

Yishun

HDB BTO launch	November 2022
Location	Yishun
Flat type	2-room Flexi, 3-room, 4-room, 5-room
Expected units	2,960

Location of the upcoming Yishun BTO flats, located along Yishun Avenue 1, close to Yishun Street 43. Source: HDB

Location of the upcoming Yishun BTO flats, located along Yishun Avenue 1 and Miltonia Close. Source: HDB

The Yishun November 2022 launch will see three sites, with all three sites overlooking Orchid Country Club’s golf course and the Lower Seletar Reservoir. The land plots, which are side by side, will yield 2,960 units of 2-room Flexi, 3-room, 4-room and 5-room flats.

The downside to the BTO launches is that they are located further away from the Yishun town centre and Central Business District (CBD). The nearest MRT stations, Khatib and Yishun, are half an hour away by foot; residents will have to take a bus there to connect to the North South Line.

Transportation	Shopping & leisure amenities	Educational institutions	Medical amenities
Yishun MRT station Khatib MRT station	Yishun Mall Wisteria Mall Yishun Park Hawker Centre	Northbrooks Secondary School Northland Primary School North View Primary School Chung Cheng High School (Yishun) Huamin Primary School Naval Base Primary School Orchid Park Secondary School	Khoo Teck Puat Hospital Yishun Community Hospital

Read our full review of the upcoming November 2022 HDB BTO launch in Yishun or browse HDB resale flats in Yishun.

Upcoming 2022 BTO Launches (Mature Towns/Estates)

Kallang/Whampoa

HDB BTO launch	November 2022
Location	Kallang/Whampoa
Flat type	3-room, 4-room
Expected units	470

This Kallang/Whampoa BTO is located next to Kallang MRT station, at Lorong 1 Geylang. Future residents will enjoy a great city fringe location that offers short commute times to the CBD.

Being close to the Kallang sporting precinct means residents have easy access to many sports and recreational amenities like the Singapore Sports Hub.

Only about 470 3-room and 4-room flats are available, and they are expected to be more pricey than other launches.

Transportation	Shopping & leisure amenities	Educational institutions	Medical amenities
Kallang MRT station	Geylang West Community Club Upper Boon Keng Market and Food Centre Jalan Besar Community Club Kitchener Complex Jalan Besar Stadium and Swimming Complex Kallang Squash and Tennis Centre Kallang Netball Centre Singapore Sports Hub Kallang Riverside Club	Bendemeer Primary School Bendemeer Secondary School	New Town Clinic Boon Keng Clinic & Surgery Q & M Surgery (Kallang) T Medical Clinic (Kallang)

Read our full review of the upcoming November 2022 HDB BTO launch in Kallang/Whampoa or browse HDB resale flats in Kallang/Whampoa.

Queenstown

HDB BTO launch	November 2022
Location	Queenstown
Flat type	2-room Flexi, 3-room, 4-room
Expected units	3,250

Location of the upcoming Queenstown HDB BTO Nov 2022 flats located at the confluence of Portsdown Avenue and Queensway. Source: HDB

Location of the upcoming Queenstown HDB BTO Nov 2022 flats bounded by Ghim Moh Road, Commonwealth Avenue West. Source: HDB

There will be three upcoming BTO launches in Queenstown.

The first BTO site is next to Dover MRT station and consists of 1,330 units of 3-room and 4-room flats.

The second BTO site is a three-minute walk from Buona Vista MRT station and consists of 960 units of 2-room Flexi, 3-room and 4-room flats.

The third and last BTO site will see 960 Community Care Apartments, 3-room flats and 4-room flats situated along Queensway and the under-construction Queen’s Crescent, about 13 minutes’ walk from Queenstown MRT station.

As seen from the map, all three projects have very prime locations and are likely to fall under the PLH model.

Transportation	Shopping & leisure amenities	Educational institutions	Medical amenities
Dover MRT station Queenstown MRT station Buona Vista MRT station	Ulu Pandan Community Club Buona Vista Community Club The Star Vista Holland Village Anchorpoint Shopping Centre Queensway Shopping Centre Alexandra Village Food Centre IKEA Alexandra	School of Science & Technology Singapore Polytechnic New Town Secondary School Dover Court Preparatory School ACS (International) ACS (Independent) Anglo-Chinese Junior College Fairfield Methodist School (Primary and Secondary) United World College of SEA New Town Primary School Queensway Secondary School	Alexandra Hospital

Read our full review of the upcoming November 2022 HDB BTO launch in Queenstown or browse HDB resale flats in Queenstown.

HDB BTO Application And Selection

Flat Types

[ArticleCallout]{ “title”: “Types of HDB BTO Flats Available for Selection in Singapore’s BTO Sale Launches “, “excerpt”: “For those ready to get yourself your very own HDB BTO flat, you know the first step is to do the necessary research on the flats available for selection. “, “link”: “https://www.propertyguru.com.sg/property-guides/types-bto-flats-available-selection-12102”, “image”: “https://img.iproperty.com.my/angel-legacy/1110×624-crop/static/2019/03/An-unfurnished-BTO-unit-propertyguru-singapore.jpg” } [/ArticleCallout]

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

BTO Process

A potential buyer can apply for his/her preferred flat and estate. Balloting will be conducted to determine the outcome of the application.

First-timer applicants enjoy higher priority for new flats. The flat supply set aside for the different household types are:

Non-mature estates
- First Timer Families – 20% of 2-room Flexi flats, 85% of 3-room flats, 95% of 4-room and bigger flats
- Second Timer Families – 15% of 2-room Flexi flats, 15% of 3-room flats, 5% of 4-room and bigger flats
- First Timer Singles – 65% of 2-room Flexi flats
Mature Estates
- First Timer Families – 95% of flats
- Second Timer Families – 5% of flats
* BTO projects with shorter waiting time (where applicable)
- First Timer Families – 95% of 4-room and bigger flats
- Second Timer Families – 5% of 4-room and bigger flats

1. Select Location

Select from location sites announced in the BTO sales launch.

2. Check Eligibility

Check eligibility for BTO applications, including any loan applications or associated costs.

3. Submit 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 flat.

5. Book Flat

Check the flats’ availability and option fee before attending the appointment with HDB. Applicants will also need to bring along the required documents.

6. Sign Lease Agreement

Sign the Agreement for Lease. A Letter of Offer must be submitted if the applicant is obtaining a housing loan from banks.

7. Collect Keys

Flat keys can be collected in about three to five years’ time when construction is completed.

Balloting Process

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.

For BTO sales launches in non-mature estates
Unsuccessful applications	Original chances +	Additional chances	= Total chances
0 to 1	2	0	0
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 flat, i.e. not balloted. Additional chances are not given for BTO sales 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 nucleus	Applicant will need to qualify under one of the eligibility schemes: – Public Scheme – Fiancé/Fiancée Scheme – Orphans Scheme
Citizenship	At least 1 Singapore citizen applicant At least 1 other Singapore citizen or Singapore PR#
Age	At least 21 years old
Income ceiling	Applicant is within the set income ceiling for the flat he/she intends to buy
Property ownership	Applicant does not own other property overseas or locally and has not disposed of any property within the last 30 months Applicant has not bought more than 1 new HDB/DBSS flat or EC before Applicant has not received more than 1 CPF Housing Grant thus far

#First-timer households comprising only 1 Singapore citizen and 1 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 3 existing eligibility schemes, applicants can get a new flat as a couple or a family. Applicants may use the e-Service provided by HDB or refer to the information below to check their eligibility.

Schemes	The applicant is forming a family with	Criteria*	3Gen flat applications
Orphans scheme	Siblings who are orphans and unmarried	All single siblings must be listed in the same application At least 1 of the deceased parents was a Singapore citizen/PR	N/A
Fiancé/Fiancée Scheme	Spouse-to-be	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 Please check here for submission details	A multi-generational family is any of the following: – Married/engaged couple and parents – Widowed/divorced with children under custody and parents
Public scheme	– Spouse, and children (if any) – Parents, and siblings (if any) – Children under his/her care (if widowed/divorced)		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	N/A	A single first-timer applicant who is 35 years old and above can choose to apply for a 2-room Flexi flat in a non-mature estate	N/A

* No change of people listed in the application.

BTO 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.

Income ceiling (Average gross monthly household income)	Income ceiling (Average gross monthly household income)
3-Room Flat – $7,000 or $14,000, depending on the project	4-Room Flat or bigger – $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 income ceiling	Income/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 Time Status

Applicant	Criteria	Priority and privileges
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 a first-timer couple and enjoy the same priority benefits.

Applicant	Current owner/occupier A current owner/occupier of a flat/EC who has not yet met the Minimum Occupation Period (MOP) requirements of a flat.	Previous applicant A previous applicant who has cancelled a flat application, or chose not to book a flat 2 times in a row.
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	N/A
Wait-out period	MOP of 5 years	1 year

BTO Financing

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 flat

Option fee
Payable by: NETS

3 Signing of Agreement for Lease

Stamp duty and legal fees
Downpayment
Payable by: Cashier’s Order, CPF

4. Collection of keys

Stamp duty and legal fees
Home Protection Scheme
Fire Insurance
Balance of the purchasing price
Payable by: Cashier’s Order, CPF

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

Stage	Payment due	Payable by
Submitting the application	$10 application fee	Credit card
Signing of Agreement For Lease	Stamp duty and legal fees Downpayment	Cashier’s order, CPF
Collection of keys	Stamp duty and legal fees Home Protection Scheme Fire Insurance Balance of the purchase price	Cashier’s order, 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
Cash portion of the downpayment
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 Grant

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 Sep 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 flat type and location.

The monthly household income ceiling for the EHG is $9,000.

Applicants can receive grants under any 1 of the 6 categories:

First-Timer Applicants
Second-Timer Applicants
First-Timer and Second-Timer Couple Applicants
Non-Citizen Spouse Scheme
Single Singapore Citizen Scheme
Join Singles Scheme or Orphan Scheme

Category	First-timer applicants	Second-timer applicants	First-timer and second-timer couple applicants	Non-citizen spouse scheme	Single singapore citizen scheme	Joint singles scheme* or orphan scheme
EHG	Eligible	Not eligible	Eligible for EHG (Singles)	Eligible for EHG (Singles)	Eligible for EHG (Singles)	Eligible for EHG (Singles)
Other grants	–	Step-Up CPF Housing Grant	–	–	–	–
Total grant amount	Up to $80,000	Up to $15,000	Up to $40,000	Up to $40,000	Up to $40,000	Up to $80,000

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.

Eligibility Conditions

Applicant and essential occupiers must meet the following criteria:

At least 1 buyer is a Singapore citizen
Monthly household income does not exceed $14,000 (or $21,000 for extended families)
Have not taken more than 2 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

If the buyer is eligible for an HDB loan, he/she needs to apply for an HDB Loan Eligibility (HLE) letter. The HLE letter has a validity of 6 months.

Application Process

Before

Complete the questionnaire beforehand to assess eligibility
Applicants and their spouses must have a valid SingPass
Prepare income and supporting documents

During

Upload documents at www.hdb.gov.sg/hleapply
Submit documents

After

Application will be processed within 14 days of submission
Log in to My HDBPage to view application status

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

Downpayment	Fully paid for using CPF
Loan ceiling	Up to 85% of property value (or purchase price, whichever is lower)
Interest rate	0.1% above CPF OA interest rate
Repayment period	Capped at 25 years, or till buyer is 65 years old, whichever is shorter
Monthly instalments	Capped at 30% of applicants’ monthly income
Insurance	HDB Fire Insurance Policy, Home Protection Scheme

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.

Downpayment	At least 5% of purchase price to be paid in cash, the rest using CPF
Loan ceiling	Up to 90% of purchase price (for loan tenure of 25 years or less)
Interest rate	Dependent on bank
Repayment period	Capped at 30 years
Monthly instalments	Dependent on bank
Insurance	None

When to apply:
Applicants should apply early as the bank’s Letter of Offer has to be presented before he/she signs the Agreement for Lease.

Where to apply:
Applicants may apply for a bank loan through PropertyGuru Finance. You can compare the most competitive mortgage rates here, or contact a mortgage expert for future guidance and/or TO apply for your preferred bank loan.

You may also apply for an in-principle approval (IPA) through PropertyGuru Finance.

[LoanPreApproval][/LoanPreApproval]

Past BTO Projects by Estates

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

Launch	Project	Flat type	Selling price (Excluding grants)
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)

Launch	Project	Flat type	Selling price (Excluding grants)
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)

Launch	Project	Flat type	Selling price (Excluding grants)
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	2-room Flexi	From $312,000
Nov 2020	Bartley Beacon ParkView @ Bidadari	3-room	From $464,000
Nov 2020	Bartley Beacon ParkView @ Bidadari	4-room	From $611,000
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)

Launch	Project	Flat type	Selling price (Excluding grants)
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)

Launch	Project	Flat type	Selling price (Excluding grants)
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 (Tampines, Pasir Ris)

Launch	Project	Flat type	Selling price (Excluding grants)
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

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

Launch	Project	Flat type	Selling price (Excluding grants)
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 $p13,000
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)

Launch	Project	Flat type	Selling price (Excluding grants)
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)

Launch	Project	Flat type	Selling price (Excluding grants)
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)

Launch	Project	Flat type	Selling price (Excluding grants)
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)

Launch	Project	Flat type	Selling price (Excluding grants)
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)

Launch	Project	Flat type	Selling price (Excluding grants)
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)

Launch	Project	Flat type	Selling price (Excluding grants)
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