We are well into the second half 2024, so we have one last Build-to-Order (BTO) launch left!
For the uninitiated, this is the first BTO exercise implementing the new Prime, Plus, and Standard categories, replacing HDB’s longstanding classifications of mature and non-mature estates.
As the biggest launch this year, the Housing Development Board (HDB) offers over 8,500 flats during this cycle.
![](https://cdn-blog.seedly.sg/wp-content/uploads/2019/06/03103705/Matt-LeBlanc-Says-Wow.gif)
So, if you want to apply for a flat, check out our preview below!
TL;DR: October 2024 BTO Preview
This time, there are over 8,500 units and 14 projects in 9 locations!
Locations | Flat Types Available & No. of Units | Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) | Indicative 4-room Flat Pricing Based on Past BTO Launches (Excluding Grants) | Possible HDB Classification |
---|---|---|---|---|
Ang Mo Kio Ang Mo Kio Central 3 | 430 units | — | $535,000 - $676,000 | Standard |
Bedok Bayshore | 730 units | Bayshore MRT station | N.A. | Plus |
Bedok Bayshore | 710 units | Bayshore MRT station | N.A. | Plus |
Bedok Kembangan | 340 units | Kembangan MRT station | N.A. | Plus |
Bukit Batok Bukit Batok West Ave 8 | 690 units | — | $309,000 – $392,000 | Standard |
Geylang Next to Mattar MRT | 420 Community Care Apartments | Mattar MRT station | N.A. | Plus |
Jurong West Yung Ho Road | 1,840 units | — | $315,000 – $394,000 | Plus |
Kallang/Whampoa May Road | 360 units | — | $480,000 – $675,000 | Standard |
Kallang/Whampoa North Bridge Road/Crawford Road | 310 units | — | N.A. | Standard |
Kallang/Whampoa Upper Boon Keng Road | 270 units | Geylang Bahru MRT station | $535,000 – $675,000 | Prime |
Pasir Ris Pasir Ris Drive 3, next to Pasir Ris town centre | 760 units | Paris Ris MRT station | N.A. | Plus |
Sengkang Fernvale Link | 550 units | Layar LRT station | $252,000 – $331,000 | Plus |
Sengkang Fernvale Street | 840 units | Thanggum & Kupang LRT stations | $252,000 – $331,000 | Plus |
Woodlands Woodlands Centre Road | 290 units | Marsiling MRT station | $303,000 - $385,000 | Plus |
There are many firsts for this launch—Plus flats—the newly introduced category at last year’s National Day Rally, will be near MRT stations or town centres. These flats have a 10-year minimum occupation period, and owners must return a portion of the resale price to HDB, reflecting the additional subsidies they received.
We’ve written about how this new HDB classification may affect you, check that out!
Also, this is the first time HDB is launching the new White Flat layout—specifically in Kallang/Whampoa.
NOTE: If you plan to apply, you MUST get your HDB Flat Eligibility (HFE) Letter early and submit all required documents by 15 September 2024.
Jump to the locations:
- Ang Mo Kio Oct 2024 BTO
- Bedok Oct 2024 BTO
- Bukit Batok Oct 2024 BTO
- Geylang Oct 2024 BTO
- Jurong West Oct 2024 BTO
- Kallang/Whampoa Oct 2024 BTO
- Pasir Ris Oct 2024 BTO
- Sengkang Oct 2024 BTO
- Woodlands Oct 2024 BTO
Ang Mo Kio Oct 2024 BTO
The last time Ang Mo Kio had a BTO launch was in 2022. The 4-room flats were priced from $535,000 to $676,000.
Category | Details |
Possible Housing Classification | Standard |
Flat Types Available & No. of Units | 2-room Flexi
4-room Total: 430 |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) | 4-room: $535,000 to $676,000 |
Nearest Roads | Expressways | Ang Mo Kio Avenue 6
Ang Mo Kio Central 3 |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
Ang Mo Kio MRT station |
Nearest Malls/Amenities | Ang Mo Kio Hub/Bus Interchange Ang Mo Kio Public Library Ang Mo Kio Polyclinic |
Nearest Schools (MOE Kindergarten/Primary) | Mayflower Primary School |
Nearest Schools (Secondary) | Anderson Secondary School
Ang Mo Kio Secondary School |
Nearest Schools (Others) | Anderson Serangoon JC (under upgrading) |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
A brief look at the map shows that the new site is about 13-minute walking distance from the Ang Mo Kio MRT station (NS16).
![](https://cdn-blog.seedly.sg/wp-content/uploads/2024/07/03164516/townmap_amk_n7c41a-724x1024.jpg)
Bedok Oct 2024 BTO: Bayshore Project 1
One of the highly-anticipated BTO launches is definitely the Bayshore project—because it has a sea view!
These flats are anticipated to feature full-height windows, offering residents waterfront views for units overlooking East Coast Park and city views for those facing Bedok town.
Category | Details |
Possible Housing Classification | Plus |
Flat Types Available & No. of Units | 2-room Flexi
3-room 4-room Total: 730 |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) | N.A. |
Nearest Roads | Expressways | Bayshore Road
East Coast Road Bayshore Walk Bayshore Drive |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
Bayshore MRT station
Bedok South MRT station |
Nearest Malls/Amenities | Siglap Community Club Eating house Supermarket Preschool Residents’ Network Centre |
Nearest Schools (MOE Kindergarten/Primary) | Temasek Primary School & MK @ Temasek |
Nearest Schools (Secondary) | Temasek Secondary School |
Nearest Schools (Others) | Temasek Junior College |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
It’s also a stone’s throw away from Bayshore MRT station (TE29) and East Coast Park, and nearby amenities will include eateries, supermarkets, pre-schools, and a residents’ network centre.
![](https://cdn-blog.seedly.sg/wp-content/uploads/2024/07/04093915/Bedok-bayshoes-1-1024x724.jpeg)
Bedok Oct 2024 BTO: Bayshore Project 2
The next Bayshore BTO is right next to the first Bayshore BTO, divided by Bayshore Drive. This project is slightly smaller as compared to the first Bayshore BTO, with only 2-room Flexi and 4-room units available.
Category | Details |
Possible Housing Classification | Plus |
Flat Types Available & No. of Units | 2-room Flexi
4-room Total: 710 |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) | N.A. |
Nearest Roads | Expressways | Bayshore Road
East Coast Road Bayshore Walk Bayshore Drive |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
Bayshore MRT station
Bedok South MRT station |
Nearest Malls/Amenities | Siglap Community Club Eating house Supermarket Preschool Residents’ Network Centre |
Nearest Schools (MOE Kindergarten/Primary) | Temasek Primary School & MK @ Temasek |
Nearest Schools (Secondary) | Temasek Secondary School |
Nearest Schools (Others) | Temasek Junior College |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
Amenities wise, it will be similar to those available for Bayshore Project 1.
![](https://cdn-blog.seedly.sg/wp-content/uploads/2024/07/04102421/Bedok-bayshore-2-1024x724.jpeg)
Bedok Oct 2024 BTO: Kembangan
The last Bedok BTO is right at Kembangan MRT station!
This was announced in the Urban Redevelopment Authority’s (URA) Master Plan 2019, which mentioned the designation of a plot for a residential project.
Given its close proximity to nearby facilities and public transport, this will likely be classified as a Plus project.
Category | Details |
Possible Housing Classification | Plus |
Flat Types Available & No. of Units | 2-room Flexi
4-room Total: 340 |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) | N.A. |
Nearest Roads | Expressways | Jalan Kembangan
Sims Avenue East |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
Kembangan MRT station (2 mins)
Kaki Bukit MRT station (29 mins) Bedok North MRT station (21 mins) Bedok MRT station (24 mins) |
Nearest Malls/Amenities | Kampong Kembangan Community Club
Siglap Park Connector Eating House Supermarket Preschool Residents’ Network Centre Kidney Dialysis Centre Outpatient Healthcare Facility Bedok Mall/Bedok Integrated Transport Hub Bedok Residences Bedok Interchange/Hawker Centre Djitsun Mall Bedok Eunos Community Club |
Nearest Schools (MOE Kindergarten/Primary) | Telok Kurau Primary School
Damai Primary School Fengshan Primary School MK @ Fengshan |
Nearest Schools (Secondary) | Damai Secondary School |
Nearest Schools (Others) | AWWA School @ Bedok |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
For what it’s worth, this project will probably be very popular due to the myriad of amenities available and its proximity to various MRT lines.
![](https://cdn-blog.seedly.sg/wp-content/uploads/2024/07/04110846/Bedok-Kembangan-1024x724.jpeg)
Bukit Batok Oct 2024 BTO
This is the first project in Bukit Batok since November 2022, and this time, 690 units will be available.
Available in all sizes from 2-room to 3-Gen flats, it will be suitable for big families to apply.
Category | Details |
Possible Housing Classification | Plus |
Flat Types Available & No. of Units | 2-room Flexi
3-room 4-room 5-room 3-Gen Total: 690 |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) |
4-room: $309,000 – $392,000
|
Nearest Roads | Expressways | Bukit Batok West Avenue 8 |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
Tengah Park MRT station (15 mins)
Bukit Batok West MRT station (17 mins) |
Nearest Malls/Amenities | Nursing Home
Harmony Village @ Bukit Batok integrated with hawker centre Hong Kah North Community Club Sheng Siong SUpermarket Bukit Batok Care Home |
Nearest Schools (MOE Kindergarten/Primary) | Bukit View Primary School (upcoming)
MK @ Bukit View (upcoming) Princess Elizabeth Primary School MK @ Princess Elizabeth Dazhong Primary School MK @ Dazhong |
Nearest Schools (Secondary) | Bukit Batok Secondary School |
Nearest Schools (Others) | Dulwich College
Millennia Institute Eden School (Special Education) |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
This project, however, may require you to walk quite a bit given that the nearest MRT station, i.e., Tengah Park, is 15 minutes away if you choose to walk.
That being said, although there are no announcements yet, buses may be available by then as this area will be well-developed to serve the Tengah Community.
![](https://cdn-blog.seedly.sg/wp-content/uploads/2024/07/04113155/Bukit-Batok-BTO-Oct-2024-724x1024.jpeg)
Geylang Oct 2024 BTO
Just next to Mattar MRT station, the Geylang Oct 2024 BTO will house about 420 Community Care Apartments.
The BTO is also a 15-minute walk from MacPherson MRT station, where you can take the Downtown Line and the Circle Line.
Category | Details |
Possible Housing Classification | N.A. |
Flat Types Available & No. of Units | 4-room
Total: 420 |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) | N.A. |
Nearest Roads | Expressways | Matter Road
Aljunied Road |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
Mattar MRT station (2 mins)
MacPherson MRT station (16 mins) |
Nearest Malls/Amenities | Pelton Canal Park Connector
Circuit Road Hawker Centre Churches Mosque Park MacPherson Community Club MacPherson Market & Food Centre Geylang East Swimming Complex |
Nearest Schools (MOE Kindergarten/Primary) | Canossa Catholic Primary School
St. Margaret’s Primary School (Holding) Geylang Methodist School (Primary) |
Nearest Schools (Secondary) | Geylang Methodist School (Secondary) |
Nearest Schools (Others) | Nexus International School |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
![](https://cdn-blog.seedly.sg/wp-content/uploads/2024/07/04122921/Geylang-Oct-2024-BTO-1024x724.jpeg)
Jurong West Oct 2024 BTO
Jurong West has recently become a popular estate for BTOs, and in October, about 1,840 units will be available for all types of families.
Category | Details |
Possible Housing Classification | Standard |
Flat Types Available & No. of Units | 2-room Flexi: 550
3-room: 120 4-room: 590 5-room: 500 3-Gen: 80 Total: 1,840 |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) | 4-room: $315,000 – $394,000 |
Nearest Roads | Expressways | Yung Ho Road
Ayer Rajah Expressway |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
— |
Nearest Malls/Amenities | ActiveSG Park @ Jurong Lake Gardens
ActiveSG Sports Village @ Jurong Town The Agape SuperBowl Jurong Health & Medical Care St. Andrew’s Nursing Home (Taman Jurong) Polyclinic (Upcoming) Taman Jurong Park Taman Jurong Market & Food Centre |
Nearest Schools (MOE Kindergarten/Primary) | — |
Nearest Schools (Secondary) | Jurong Secondary School
Lakeside Primary School |
Nearest Schools (Others) | — |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
![](https://cdn-blog.seedly.sg/wp-content/uploads/2024/07/04125032/Jurong-West-Oct-BTO-2024-1024x724.jpeg)
Kallang/Whampoa Oct 2024 BTO Project 1
Like Bedok, Kallang/Whampoa has three BTO projects up for balloting this time.
First up in the pipeline, this project is located at May Road, near Towner Road, about 11 minutes from Boon Keng MRT station.
Category | Details |
Possible Housing Classification | Plus |
Flat Types Available & No. of Units | 2-room Flexi: 140
4-room: 220 Total: 360 |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) | $480,000 – $675,000 |
Nearest Roads | Expressways | May Road
Towner Road |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
Boon Keng MRT station |
Nearest Malls/Amenities | Whampoa Park Connector
Whampoa Community Road |
Nearest Schools (MOE Kindergarten/Primary) | |
Nearest Schools (Secondary) | Hong Wen School |
Nearest Schools (Others) | Northlight School |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
![](https://cdn-blog.seedly.sg/wp-content/uploads/2024/07/04145351/Kallang-Oct-2024-BTO-1-1-1024x724.jpeg)
Kallang/Whampoa Oct 2024 BTO Project 2
If you haven’t noticed, new BTOs in Kallang/Whampoa tend to be smaller, around 300 – 400 units, typically consisting of 2-room to 4-room flat types.
This second Kallang/Whampoa BTO project, which will house about 310 units, is near Nicoll Highway and will largely face the Marina Reservoir or Rochor Canal (nice views!).
There are also many amenities such as North Bridge Road Market & Food Centre nearby, with Lavender MRT station within close proximity (5 minutes walk)—which means that you may face fierce competition when balloting.
Plus, this is also the ONLY project piloted for the new open-concept living and bedroom space—white flats—with no partitions and beams. This is just an option; you can choose not to opt-in and still receive the standard layouts with walls. That said, the non-provision of internal partition walls will be factored into the pricing of the white flats.
Category | Details |
Possible Housing Classification | Plus |
Flat Types Available & No. of Units | 3-room: 80
4-room: 230 Total: 310 |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) | N.A. |
Nearest Roads | Expressways | North Bridge Road/Crawford Road |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
Lavender MRT station (5 mins) |
Nearest Malls/Amenities | Outpost Climbing
RUSTICA Singapore Local Parks Kampong Glam Community Club Golden Sultan Plaza Textile Centre Golden Mile Food Centre City Gate Mosque North Bridge Road Market & Food Centre |
Nearest Schools (MOE Kindergarten/Primary) | — |
Nearest Schools (Secondary) | — |
Nearest Schools (Others) | — |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
![](https://cdn-blog.seedly.sg/wp-content/uploads/2024/07/04153720/Kallang-Oct-2024-BTO-3-1-1024x724.jpeg)
Kallang/Whampoa Oct 2024 BTO Project 3
The last Kallang/Whampoa will be situated in between Kallang MRT station (8 mins) and Geylang Bahru MRT station (14 mins).
One thing’s for sure in this neighbourhood—you will never run out of eateries to try!
Category | Details |
Possible Housing Classification | Plus |
Flat Types Available & No. of Units | 3-room: 70
4-room: 200 Total: 270 |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) | $535,000 – $675,000 |
Nearest Roads | Expressways | Upper Boon Keng Road/Lorong 3 Geylang
Kallang–Paya Lebar Expressway Sims Avenue |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
Kallang MRT station (8 mins)
Geylang Bahru MRT station (14 mins) |
Nearest Malls/Amenities | Geylang West Community Club
Chinese temple Kallang Basin Swimming Complex Pelton Canal Park Connector
|
Nearest Schools (MOE Kindergarten/Primary) | — |
Nearest Schools (Secondary) | — |
Nearest Schools (Others) | The Windstedt School |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
![](https://cdn-blog.seedly.sg/wp-content/uploads/2024/07/04160017/Kallang-Oct-2024-BTO-3-1-1-1024x724.jpeg)
Pasir Ris Oct 2024 BTO
The October 2024 BTO will feature a project in Pasir Ris—split into two blocks at Pasir Ris Drive 3, next to Pasir Ris town centre and MRT station.
Given the amenities and proximity to Pasir Ris MRT station, this will likely be a Plus project.
Category | Details |
Possible Housing Classification | Plus |
Flat Types Available & No. of Units | 2-room Flexi: 140
3-room: 90 4-room: 390 5-room: 110 3-Gen: 30 Total: 760 |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) | N.A. |
Nearest Roads | Expressways | Pasir Ris Drive 3/Pasir Ris Green |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
Kallang MRT station (8 mins)
Geylang Bahru MRT station (14 mins) |
Nearest Malls/Amenities | Pasir Ris Park
Pasir Ris Mall Pasir Ris Integrated Transport Hub Polyclinic Aranda Country Club Downtown East Pasir Ris Sports Centre White Sands Pasir Ris Central Hawker Centre |
Nearest Schools (MOE Kindergarten/Primary) | Elias Park Primary School
MK @ Elias Park Casuarina Primary School MK @ Casuarina |
Nearest Schools (Secondary) | Hai Sing Catholic School
Pasir Ris Crest Secondary School |
Nearest Schools (Others) | The Windstedt School |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
![](https://cdn-blog.seedly.sg/wp-content/uploads/2024/07/04171502/Pasir-Ris-Oct-2024-BTO-1024x724.jpeg)
Sengkang Oct 2024 BTO Project 1
Sengkang is becoming one of the hot spots for BTOs, and we expect to see more developments over the next few years.
The first Sengkang BTO in October 2024 has about 550 units, and being near LRT stations, as well as a shopping mall is a huge PLUS point for many residents living there.
Category | Details |
Possible Housing Classification | Plus |
Flat Types Available & No. of Units | 2-room Flexi: 130
3-room: 90 4-room: 220 5-room: 110 Total: 550 flats |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) | 4-room: $252,000 – $331,000 |
Nearest Roads | Expressways | Fernvale Link
Sengkang West Avenue |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
Layar LRT station
Fernvale LRT station |
Nearest Malls/Amenities | Petrol
Fervale Community Club + Wet Market + Hawker Centre + Childcare Centre Punggol West Bank Park Connector The Seletar Mall |
Nearest Schools (MOE Kindergarten/Primary) | Sengkang Green Primary School
MK @ Sengkang Green Fern Green Primary School MK @ Fern Green Fernvale Primary School MK @ Fernvale |
Nearest Schools (Secondary) | Pei Hwa Secondary School |
Nearest Schools (Others) | — |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
![](https://cdn-blog.seedly.sg/wp-content/uploads/2024/07/04171603/Sengkang-Oct-2024-BTO-1-1024x724.jpeg)
Sengkang Oct 2024 BTO Project 2
Sitting along Fernvale Street, this Sengkang BTO is between the Thanggam and Kupang LRT stations.
As compared to the first Sengkang BTO project, this BTO is in a quieter environment.
Category | Details |
Possible Housing Classification | Plus |
Flat Types Available & No. of Units | 2-room Flexi
4-room 5-room Total: 840 |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) |
4-room: $252,000 – $331,000
|
Nearest Roads | Expressways | Fernvale Street |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
Thanggam LRT station
Kupang LRT station |
Nearest Malls/Amenities | Sports & Recreational Facilities |
Nearest Schools (MOE Kindergarten/Primary) | Petrol
Fervale Community Club + Wet Market + Hawker Centre + Childcare Centre Punggol West Bank Park Connector The Seletar Mall |
Nearest Schools (Secondary) | Sengkang Green Primary School
MK @ Sengkang Green Fern Green Primary School MK @ Fern Green Fernvale Primary School MK @ Fernvale |
Nearest Schools (Others) | — |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
Woodlands Oct 2024 BTO
The February 2024 BTO launch had a BTO located in Woodlands, and this time around, it’s along Woodlands Centre Road, near Marsiling MRT station.
Category | Details |
Possible Housing Classification | Plus |
Flat Types Available & No. of Units | 4-room
5-room Total: 290 |
Past BTO 2024 Price: Indicative Price Range (Excluding Grants) | $303,000 – $385,000 |
Nearest Roads | Expressways | Woodlands Avenue 3
Woodlands Central Road |
Nearest MRT/LRT Stations & Approximate Walking Time (via Google Maps) |
Marsiling MRT station |
Nearest Malls/Amenities | Police Station
Woodlands Sports Centre Town Park Petrol Station Marsiling Park Connector Marsiing Community Club |
Nearest Schools (MOE Kindergarten/Primary) | Marsiling Primary School |
Nearest Schools (Secondary) | Marsiling Secondary School |
Nearest Schools (Others) | — |
Estimated Waiting Time | TBC |
Estimated Completion Date | TBC |
Delivery Possession Date | TBC |
![](https://cdn-blog.seedly.sg/wp-content/uploads/2024/07/04175550/Woodlands-Oct-2024-BTO-1024x724.jpeg)
Related Articles:
- BTO Development Cost Revealed: How Are BTO Flats Priced & Subsidies Determined?
- HDB BTO Balloting System: Does It Need To Be Revamped?
- HDB Sale of Balance (SBF) Flat Feb 2024 Guide
- The Ultimate HDB Grants Guide: CPF Housing Grants for BTO, Resale & SBF Flats
- How To Increase Your HDB BTO Ballot Chances: Application Rate & Priority Schemes Matter More Than You Think
Advertisement