2018 Ultimate BTO Guide: Part 1 – Eligibility & Location

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BTO Guide HDB Build To Order Flats Style Degree Sg Singapore
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Whether you are a young couple or have started a lovely family, the BTO journey is definitely a huge milestone for any Singaporean.

Besides, this new nest might be your first “big-ticket” purchase – you want to make sure that it’s a well-informed decision!

This is what our Ultimate BTO Guide sets out to do. In this 6-part tutorial series, we will guide you (in baby-steps) to your BTO success!


This post is a member of our 6-part series – View our complete guide below!

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Preparation Stage:

  • Part 1 > Research: Eligibility & Location
  • Part 2 > Financing: Grants & Loans

Action Stage:

  • Part 3 > The Application: Balloting & Flat Selection
  • Part 4 > The First Look: Key Collection

Pre Move-in Stage:

  • Part 5 > Defects Inspection: Things To Look Out For
  • Part 6 > Home Improvements: Interior Design & Home Must-Haves

1. Eligibility – Can I BTO?

Before you even start to apply, check that you are eligible for BTO in the first place. In essence, you will have to meet the following criteria:

1.1 Citizenship/Permanent Resident (PR) requirement:

  • One applicant has to a Singaporean citizen while the other applicant has to be a citizen or PR

1.2 Fulfil a particular scheme:

BTO Eligibility Guide Schemes Style Degree Sg Singapore

1.3 Maximum monthly household income:

  • 4-room or bigger:
    • $12,000
    • $18,000 (for extended or multi-generation family)
  • 3-room:
    • $6,000 or $12,000 (for non-mature estates, depending on project)
    • $12,000 (mature estates)

 1.4 Age

  • All applicants must be above 21 years old
  • Parental consent will be required if spouse-to-be is between 18-21 years old and Special Marriage License is required if spouse is below 18 years old

1.5 Property Ownership

  • Applicants shall not have owned or disposed of any property (both local and overseas) 30 months before their application and taking possession of the flat
  • However, you may fill up this form to apply for an exception.

To double-confirm your eligibility, be sure to complete to HDB’s official e-survey!

 

2. Priority Schemes

 

BTO Guide 2018 HDB step-by-step tutorial style degree sg singapore
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From the famous chicken rice stall to the latest tech gadgets, Singaporeans are famous for queuing for things. What if we told you that you can jump the BTO queue with priority schemes – isn’t it perfect?

It’s important to enrol into a priority scheme whenever possible as there might be reserved units for applicants under a specific scheme.

There are seven different priority schemes that may be applicable to you. For example, first-time home owners, married couples with kids and multi-generation families have a higher chance of hitting the BTO jackpot.

To see the various priority schemes, simply head over to HDB’s webpage. You can get priority for up to two schemes – be sure to maximise your chances!

 

3. Location, location & location

 

BTO Guide 2018 HDB step-by-step tutorial style degree sg singapore
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Without a doubt, location should be a major consideration when it comes to choosing a BTO launch.

Why so, you ask? Well, a good location saves you time and money – every single day – on transportation.

It also enhances your resale value when you decide to sell your flat. Besides, who doesn’t want to have an NTUC or Kopitiam just a stone’s throw away?

Simply put, location is King.

Sometimes, you do not have much of a choice as HDB have limited developments for each application window.

For example, the May 2018 window witnessed four new BTO launches in Sengkang, Yishun, Tampines and Toa Payoh. On the other hand, the next sale launch in August 2018 will hold launches in Punggol and Yishun.

While you can’t control where are the next launches, you can certainly optimise your chances of a good location.

Here are three factors you should consider:

3.1 Transportation

A vital consideration, especially if you are not planning of driving in the near future. Firstly, head over to HDB’s new launch page, click on “Upcoming Sales Launch” and select the sitemap of launch you are interested in.

Now, examine the closeness of the nearest MRT station(s) and bus-stop(s).

Then, ask yourself, am I comfortable with travelling to-and-fro from work every day? Do I have to change bus to get to the nearest MRT? What is the cost of travelling?

Another important point is that each BTO launch have different blocks, some of which are closer to a MRT station or certain bus stops than others.

For instance, the August 2018 launch in Yishun features 2 distinct areas of development, one closer to Yishun MRT than the other – be sure to select the ones that suit your needs!

3.2 Amenities

Essential amenities are always a bonus in terms of convenience and resale value. Once again, HDB’s new launch page is our friend here.

Check the sitemap to see if there are any planned coffee shops, community centres, parks or hospitals.

Also, if you are planning to have children, remember to see if there are any childcares, primary or secondary schools around. In this case, the more, the merrier.

3.3 Future developments

While no one can predict the future, be sure to plan ahead! By planning ahead, we mean researching on future developments that might affect the BTO launch you are interested in.

Are there new MRT lines that will be built nearby in the future? Could there be upcoming heartland malls in the area? A quick-and-easy Google search will surely yield some answers!


Congratulations on reaching the end of Part 1! Research is always the most important part as it requires the most “brain work”. In summary, be sure to:

1) Check your eligibility

2) Apply for priority schemes whenever possible

3) Research on location

That’s it for Part 1! Be sure to continue on to Part 2 where we cover the important aspect of financing your new home.


This post is a member of our 6-part series – View our complete guide below!

Preparation Stage:

  • Part 1 > Research: Eligibility & Location
  • Part 2 > Financing: Grants & Loans

Action Stage:

  • Part 3 > The Application: Balloting & Flat Selection
  • Part 4 > The First Look: Key Collection

Pre Move-in Stage:

  • Part 5 > Defects Inspection: Things To Look Out For
  • Part 6 > Home Improvements: Interior Design & Home Must-Haves
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