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Glossary · HDB

BTO

By Winfred Quek · CEA R073319H · Singapore property glossary

What is BTO? BTO, Build to Order, is HDB's ballot system for new flats sold before construction begins. Applicants apply during a launch window, and a computerised ballot sets the queue order for flat selection. Standard flats carry a 5 year Minimum Occupation Period, while Plus and Prime flats carry a 10 year Minimum Occupation Period.

Full guides: How to apply for a BTO flat, step by step and How long a BTO takes from application to keys

BTO flats are new flats sold directly by HDB before construction begins. HDB places all eligible applications through a computerised ballot to determine the queue order.

The BTO process runs from an online application during the launch window, through the computerised ballot, to a flat selection appointment based on queue position, signing the Agreement for Lease, and then the construction period until key collection. Construction periods vary by project.

The Minimum Occupation Period is 5 years for Standard flats and 10 years for Plus and Prime flats, and during that period the flat cannot be sold on the open market. A household that received a prior housing subsidy and applies for another subsidised flat, including a BTO, may be liable for the HDB resale levy.

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Winfred Quek is an Associate Marketing Consultant at Crestbrick Pte Ltd (CEA Licence No. L3010886H). CEA R073319H. This page is for general information only and does not constitute financial, investment, or legal advice. Verify current figures with IRAS, HDB, CPF Board, or MAS before making any decision.

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