Quick Tips for Applying for an HDB BTO Flat


Before applying for a BTO flat, it is important to understand all of the steps that are involved in the application process. Figuring out all that is involved in advanced can help to make things easier as there is a lot of information that could make the process seem difficult and confusing. Here are the most important topics to understand in the process of applying for a BTO.


The first thing that you need to know about applying for an HDB flat is the fact that there are options. Both resale and BTO flats are available for purchase by first-time applications. Investing in a resale flat can be an option that is more affordable for many couples. In addition, there are a number of requirements that must be fulfilled in order to be eligible.

You have to be a citizen of Singapore or at least one person in the family must be a citizen.

You must be over the age of 21.

You don't have to be married before applying for a BTO because of the fact that you and your partner can apply as a Fiancé/Fiancée Scheme. Then you will be required to submit your solemnisation or marriage certificate to the HDB Sales Office.

You should have a gross monthly household income of less than $10,000 for a 3-room or bigger flat in mature estates and no more than $5,000 for a 3-room flat in a non-mature estate.

You can not have owned or sold flats from HDB, DBSS or an executive condominium prior to submitting an application.

Application Process:

An announcement regarding the selected areas or number of available units that are being allowed for sale or for BTO will be announced via the HDB infoWEB. It is also important to find out your eligibility for financing and figure out exactly how large of a flat you can afford.

Once the sale and BTO offers have begun, the application submissions will be allowed. Submit an application online via the HDB infoWEB. You can also submit your application in person at an HDB office. A fee of $10 will be charged on the application.

After the application period has ended, a notice will be sent to every applicant regarding success or failure. If your application is successful you will receive a queue number. If you go to select a flat, you will need to pay an option fee as well as bring along various forms of identification and income documents.


The last step of the process is to sign the Agreement of Lease. If you will be applying for financing, the documentation regarding the terms of the loan must also be presented.


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