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1191121 - Nov 2021 BTO pricing step-by-step guide

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

profileMing Feng

November 2021 HDB BTO Sales Launch Prices

Looking to BTO soon?

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

Non-Mature Estates

HDB BTO November 2021 (Non-Mature)Hougang Olive @ HougangTanjong Tree Residences @ HougangNanyang Opal @ Jurong WestParc Clover @ Tengah
Parc Glen @ TengahHeart of Yew Tee @ Yew Tee
Estate TypeNon-Mature
Flats Available3903002211,1241,00868
Flat Types Available4-Room
5-Room
4-Room
5-Room
3-Room
4-Room
2-Room Flexi
3-Room
4-Room
5-Room
2-Room Flexi
3-Room
4-Room
5-Room
2-Room Flexi
Indicative Price Range (excluding grants)4-Room
$308,000 - $377,000
4-Room
$318,000 - $389,000
3-Room
$173,000
2-Room Flexi (Type 1)
$119,000 - $139,000

2-Room Flexi (Type 2)
$142,000 - $170,000
2-Room Flexi (Type 1)
$120,000 - $157,000

2-Room Flexi (Type 2)
$144,000 - $190,000
2-Room Flexi (Type 1)
$72,000 - $78,000
5-Room
$416,000 - $488,000
5-Room
$419,000 - $495,000
4-Room
$264,000
3-Room
$215,000 - $257,000
3-Room
$194,000 - $253,000
2-Room Flexi (Type 2)
$86,000 - $98,000
4-Room
$312,000 - $380,000
4-Room
$319,000 - $390,000
5-Room
$428,000 - $500,000
5-Room
$436,000 - $519,000
Selection of FlatJan to Sep 2022
Estimated Completion Date1Q20252Q20264Q20254Q20244Q20243Q2026
Estimated Possession Date30 Sep 202631 Dec 202730 Jun 202730 Jun 202630 Jun 202631 Mar 2028
Nearest ExpresswaysKallang Paya Lebar Expressway (KPE)Pan-Island Expressway (PIE)
Ayer Rajah Expressway (AYE)
Pan-Island Expressway (PIE)
Kranji Expressway (KJE)
Kranji Expressway (KJE)
Bukit Timah Expressway (BKE)
Nearest MallsHougang Mall
The Midtown
Pioneer Mall
Jurong Point
West MallYew Tee Point
Limbang Shopping Centre
Lot One Shoppers' Mall
Nearest MRT StationsBartley MRT
Kovan MRT
Serangoon MRT
Pioneer MRT Station
Tawas MRT Station (opening in 2026)
Gek Poh MRT Station (opening in 2026)
Tengah Plantation MRT (opening in 2027)
Tengah MRT (opening in 2026)
Tengah Park MRT (opening in 2027)
Yew Tee MRT Station
Choa Chu Kang MRT Station
South View MRT Station
Primary Schools Within 1kmMethodist Girls' School
Paya Lebar Methodist Girls' School
Juying Primary
Xingnan Primary
Jurong West Primary
-De La Salle
Kranji Primary
Yew Tee Primary
Primary Schools Within 1km to 2kmXinghua Primary-St Anthony's Primary
Dazhong Primary
Princess Elizabeth Primary
-
Nearest Schools (Others)Paya Lebar Methodist Girls' School (Secondary)
Bartley Secondary
Yuying Secondary
Juying Secondary
Pioneer Secondary
Boon Lay Secondary
Swiss Cottage Secondary
Bukit Batok Secondary
Jurongville Secondary
Millennia Institute
Dulwich College
Unity Secondary
Regent Secondary
Kranji Secondary

Mature Estates

HDB BTO November 2021 (Mature)Kent Heights @ Kallang/ WhampoaRiver Peaks I & II @ Rochor
Estate TypeMatureMature
Flats Available430960
Flat Types Available2-Room Flexi
4-Room
3-Room
4-Room
Indicative Price Range (excluding grants)2-Room Flexi (Type 1)
$192,000 - $241,000

2-Room Flexi (Type 2)
$247,000 - $309,000
3-Room
$409,000 - $474,000
4-Room
$511,000 - $660,000
4-Room
$582,000 - $688,000
Selection of FlatJan to Sep 2022
Estimated Completion Date4Q20262Q2028
Estimated Possession Date30 Jun 202831 Dec 2029
Nearest ExpresswaysCentral Expressway (CTE)Central Expressway (CTE)
Nearest MallsCity Square Mall
Mustafa Centre
Bendemeer Shopping Mall
Mustafa Centre
Sim Lim Square
OG Albert Complex
Fu Lu Shou Complex
Burlington Square
Bugis Street
Bugis Junction
Bugis+
Nearest MRT StationsFarrer Park MRT 
Novena MRT
Little India MRT
Jalan Besar MRT
Rochor MRT
Bugis MRT
Primary Schools Within 1kmSt. Joseph's Institution Junior
Farrer Park Primary
Hong Wen
Stamford Primary
Primary Schools Within 1km to 2km-Farrer Park Primary
Nearest Schools (Others)Northlight
Balestier Hill Secondary
Bendemeer Secondary
Madrasah Aljunied Al-Islamiah
LASALLE College of the Arts
NAFA
Northlight

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


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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