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A Singaporean's Step-By-Step Guide: Applying For Your First HDB BTO (August 2021 BTO Sales Launch)

profileMing Feng

August 2021 HDB BTO Sales Launch Prices

Looking to BTO soon?

The prices for the August 2021 HDB BTO Sales Launch are finally out!

Non-Mature Estates

HDB BTO August 2021 (Non-Mature)Hougang Citrine @ HougangKovan Wellspring @ HougangToh Guan Grove @ Jurong East
Estate TypeNon-Mature
Flats Available749586569
Flat Types Available2-Room Flexi
3-Room
4-Room
5-Room
2-Room Flexi
3-Room
4-Room
2-Room Flexi
3-Room
4-Room
Indicative Price Range (excluding grants) 2-room Flexi (Type 1)
$108,000 - $128,000
2-room Flexi (Type 1)$153,000 - $181,000 2-room Flexi (Type 1)
$121,000 - $146,000
2-room Flexi (Type 2)
$130,000 - $156,000
2-room Flexi (Type 2)$203,000 - $234,0002-room Flexi (Type 2)
$154,000 - $189,000
3-room
$199,000 - $240,000
3-room
$289,000 - $340,000
3-room
$237,000 - $281,000
4-room
$324,000 - $368,000
4-room
$413,000 - $507,000
4-room
$347,000 - $436,000
5-room
$392,000 - $482,000
--
Selection of FlatOctober 2021 to June 2022
Estimated Completion Date1Q20253Q20261Q2026
Estimated Possession Date30 Sep 202631 Mar 202830 Sep 2027
Nearest ExpresswaysKallang Paya Lebar Expressway (KPE)Kallang Paya Lebar Expressway (KPE)Pan-Island Expressway (PIE)

Ayer Rajah Expressway (AYE)
Nearest MallsHougang Mall

The Midtown
JCube

JEM

IMM

Westgate
Nearest MRT StationsBartley MRT

Kovan MRT

Serangoon MRT
Kovan MRT

Defu MRT

Hougang MRT
Toh Guan MRT [2027]

Bukit Batok West MRT [2027]

Jurong East MRT
Primary Schools Within 1kmPaya Lebar Methodist Girls' Primary SchoolXinghua Primary SchoolYuhua Primary School

Fuhua Primary School
Primary Schools Within 1 to 2km-Holy Innocents’ Primary School

Xinmin Primary School
-
Nearest Schools (Others)Maris Stella High School (Primary and Secondary)

Xinghua Primary School

Yuying Secondary School
Bowen Secondary School

CHIJ Our Lady Of The Nativity Primary School

Holy Innocents' High School

Paya Lebar Methodist Girls' School (Primary and Secondary)

Xinmin Secondary School

Yuying Secondary School
Crest Secondary School

Mature Estates

HDB BTO August 2021 (Mature)Towner Residences @ Kallang/WhampoaQueen's Arc @ QueenstownTampines GreenJade @ Tampines Tampines GreenQuartz @ Tampines
Estate TypeMature
Flats Available3166105461,613
Flat Types Available3-Room
4-Room
3-Room
4-Room
4-Room
5-Room
2-Room Flexi
3-Room
4-Room
5-Room
Indicative Price Range (excluding grants)---2-room Flexi (Type 1)
$142,000 - $164,000
---2-room Flexi (Type 2)
$165,000 - $196,000
3-room
$336,000 - $440,000
3-room
$382,000 - $464,000
-3-room
$244,000 - $291,000
4-room
$500,000 - $656,000
4-room
$540,000 - $670,000
4-room
$342,000 - $419,000
4-room
$352,000 - $445,000
--5-room
$475,000 - $564,000
5-room
$485,000 - $597,000
Selection of FlatOctober 2021 to June 2022
Estimated Completion Date4Q20263Q20273Q20252Q2026
Estimated Possession Date30 Jun 202831 May 202931 Mar 202731 Dec 2027
Nearest ExpresswaysCentral Expressway (CTE)

Pan-Island Expressway (PIE)
Ayer Rajah Expressway (AYE)Pan-Island Expressway (PIE)
Nearest MallsBendemeer Shopping Mall

City Square Mall

Kitchener Complex

Mustafa Centre

Bendemeer Shopping Centre
Anchorpoint Shopping Centre

Dawson Place

IKEA

Queensway Shopping Centre
Century Square

Our Tampines Hub

Tampines Mall

Tampines 1
Nearest MRT StationsBoon Keng MRT

Farrer Park MRT

Bendemeer MRT
Queenstown MRTTampines West MRT

Bedok Reservoir MRT
Primary Schools Within 1kmHong Wen School

Bendemeer Primary School
Junyuan Primary School

St. Anthony's Canossian Primary School
Primary Schools Within 1 to 2km-New Town Primary School

Queenstown Primary

Changkat Primary School

Poi Ching School

Yumin Primary School

Chongzheng Primary School

St Hilda’s Primary School
Nearest Schools (Others)Bendemeer Secondary School

NorthLight School
Queensway Secondary School

Queenstown Secondary School

Crescent Girls’ School
Changkat Changi Secondary School

Gongshang Primary School

ITE College East

Junyuan Secondary School

Pasir Ris Secondary School

Pathlight School

St Hilda’s Secondary School

St. Anthony's Canossian Secondary School

Springfield Secondary School

Temasek Polytechnic

United World College (East Campus)

We also did an in-depth analysis of this BTO launch to help Singaporeans make a smarter decision!


Step-by-Step Guide: How To Apply For An HDB BTO?

Think that buying your first HDB BTO (Built-To-Order) flat is daunting?

Spent hours on end researching and trying to understand the application process?

We gotchu.

Here’s how you can apply for your first BTO.

1) Am I Eligible To Apply For An HDB BTO?

Before you even start applying for one, complete this survey to check your eligibility!

You and your partner need to fulfill the following criteria:

  • At least one of the applicants is a Singaporean
  • The other applicant is either a Singaporean or a Singapore Permanent Resident.
  • Either or both the applicants are 21 years or older
  • Your combined income does not exceed $14,000 (Special cases will be mentioned in the description of launch)
  • You do not own other local or overseas property
  • You have not sold any property within the last 30 months
  • You have not bought more than one new HDB/DBSS flat or EC before.
  • You have not received more than one CPF Housing grant thus far.

2) How Do I Pay For My HDB BTO?

Ensure that you have enough to pay the initial cost.

If you are purchasing your flat from HDB:

StagePayment DueMode of Payment
Submitting your application$10Credit Card
Booking a flatOption feeNETS
Signing of agreement for lease• Stamp duty
• Downpayment
• Cashier's order
• CPF
Collection of keys• Stamp duty and legal fees
• Home Protection Scheme
• Fire Insurance
• Balance of the purchase price
• Cashier's order
• CPF

If you are purchasing a DBSS flat or EC from a developer:

StagePayment DueMode of Payment
Submitting your applicationDetermined by developerDetermined by developer
Booking a flat and signing the Option to Purchase (OTP)Option fee - 5% of purchase price (goes to the cash portion of the downpayment)• Cash
• Cashier's orde
• Cheque
Signing Sale and Purchase Agreement• Balance downpayment
• 1% to 3% legal fee and stamp duty
• Cash
• Cashier's orde
• Cheque
• CPF
Collection of keysIf paying installments using CPF savings:
• Home Protection Scheme*
• Fire Insurance*
The developer will inform you of any other payments to make
• Cash
• Cashier's orde
• Cheque
• CPF
*Not applicable for ECs

Apply for the HDB Loan Eligibility (HLE) letter if you are looking to take a loan from HDB.

You will need this HLE letter during the Booking of Flat (selecting your flat).

If you prefer not to use an HDB CPF Loan, you can also approach your preferred bank for a loan.

You will need a valid Letter Of Offer from the banks before signing the Agreement of Lease.

3) Lookout for New BTO Launches and Apply!

Keep yourself updated for BTO launches and apply here.

  • $10 application fee is required for the application.

Make sure you think it through because a break-up after you BTO-ed means you’ll need to pay a hefty amount…

4) Check the Results of Your Application for Your HDB BTO

When the application period ends, your queue position will be balloted.

The application result will be sent to you via email or post.

You can also check the status of it online too.

Applicants will be invited to select a flat according to the balloted queue number.

Whether or not you get your chance to select a flat depends on the number of flats available when it reaches your queue number.

5) Paying the Option Fee

If you’re lucky enough to be able to select the flat you want, you’ll need to pay the Option Fee.

A valid HLE letter is required when selecting a flat if you are taking a loan from HDB.

6) Agreement of Lease and Key Collection

Sign the agreement for lease or to collect the keys for the flat, a few months after selecting a flat.

The signing of an agreement for lease are for flats that are still under construction, and keys for flats that are already completed.

This is the stage where you pay for the downpayment, legal fees, and stamp fees.

A valid HLE or Letter of Offer from the bank is required at this stage too.

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About Ming Feng
A stint in Bloomberg gifted me with a beer belly, which only grew larger when I moved on to become a Professional Trader. Now I turn caffeine into digestible finance-related content.
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