THE ESSENTIAL REQUIREMENTS OF GETTING A BUILD TO ORDER (BTO) - When it comes to purchasing first home for Singaporeans, first thing that comes to mind is Build to Order flats (BTO), a public housing in Singapore.

With the help of Housing Development Board (HDB), it is becoming affordable and popular among young couples to get their first home to nestled together. In order to own a BTO flat, there are some eligibility requirements that needed to be fulfil. Here are some of the essential requirements to own HDB’s BTO flat.



As this is initiative from Singapore government to Singaporeans for housing affordability, applicants have to be Singaporean. If you are permanent resident, your spouse has to be a Singaporean to be eligible for BTO flats. The citizenship will also determine the top up grant amount for purchasing BTO flat, for Singapore citizenship, you may apply for $10,000 Citizen Top-Up grant. But, if you or your spouse is Singapore Permanent Residence, you’re required to pay for $10,000 premium at the point of purchase.


Applicants will have to be 21 years old and above to be able to apply for BTO flats, that’s if you are in a pair ready to settle down. As for singles, the applications are only available when you’re 35 years old.

Income Level

One of the requirement to take into consideration is the income ceiling of the household, depending on the HDB’s BTO flat type. For example, the income ceiling for 3-room flat is maximum $12,000 for mature estates. As for non-mature estates, depending on the project, it is $6,000 to $12,000. Meanwhile, as for 4-room flat or bigger, the income ceiling is $12,000 and $18,000 if purchasing with extended. However, as for 35 years old and above but your income is more than $5,000, you’re not eligible for BTO flats.

Priority Queues

Priority will be given to couples who are first time applicant or second-timer applicants. With these priorities, you will be given higher chances to ballot and enjoy higher proportion of the HDB flats.


There are grants that you can apply to relief your bank account to offset the purchase price of the flat. Apart from HDB, it is also applicable for BTO flat applications. For first time property owner, there are grants, depending on your household income ceiling. Grant is applicable for applicants’ whose income is from $1,500 to $8,500, that will be granted from $5,000 to $80,000. The lower your household income ceiling, the higher your grant for HDB’s BTO flat. Grants for first timers are known as Additional CPF Housing Grant (AHG) or Special CPF Housing Grant (SHG). Check here out for more grants.

First Timer Conditions

There are some situations whereby you will be considered as non first-timer applicants in order to receive subsidy from Singapore government. Apart from have not own any property before, applicants must not have any records of transactions or purchase details of Executive Condominium (EC), Build and Sell Scheme flat (DBSS), or any HDB resale flat with CPF Housing Grant. Not even when you transferred the ownership to family members, this indicates that you have own a HDB flat. Besides, if you have received other forms of subsidy such as Selective En Bloc Redevelopment scheme benefits, or privatisation of HUDC estates, you will not receive anymore grants from Singapore government.

Income Documents Needed

After checking that you’re eligible to apply for BTO flats, you may start submitting your documents for applications.  This is to ensure that you’re working with a specific amount so that you’re entitled to afford BTO flat and housing grant. What you will need to submit is your latest 3 months’ payslips or letter from employer certifying that the amount of your salary with company letterhead and the certifying officer’s name, signature and designation. However, if your income includes allowance, you’re required to prepare your payslips for 12 months instead.

Total Debt Service Ratio (TSDR)

Although the regulations was introduced in year 2013 for the finance institutions to apply, but it has helped to curb rising bubbles debt. The rule of thumb for TSDR is that your instalment loans like car loans or hire purchase loans should not exceed 60% of your gross monthly income. If it does, you’ll be turned down for your house loan applications which you can bid goodbye to your BTO flat application.



  1. Bagus juga BTO ni, so pasangan muda boleh miliki rumah sendiri ...

  2. hii jmput join n meriahkan segmen GA kt sini


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