A Singaporean's Step-By-Step Guide: Applying For Your First HDB BTO (November 2021 BTO Sales Launch)
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 @ Hougang | Tanjong Tree Residences @ Hougang | Nanyang Opal @ Jurong West | Parc Clover @ Tengah | Parc Glen @ Tengah | Heart of Yew Tee @ Yew Tee |
|---|---|---|---|---|---|---|
| Estate Type | Non-Mature | |||||
| Flats Available | 390 | 300 | 221 | 1,124 | 1,008 | 68 |
| Flat Types Available | 4-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 |
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| 4-Room $312,000 - $380,000 | 4-Room $319,000 - $390,000 |
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| 5-Room $428,000 - $500,000 | 5-Room $436,000 - $519,000 |
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| Selection of Flat | Jan to Sep 2022 | |||||
| Estimated Completion Date | 1Q2025 | 2Q2026 | 4Q2025 | 4Q2024 | 4Q2024 | 3Q2026 |
| Estimated Possession Date | 30 Sep 2026 | 31 Dec 2027 | 30 Jun 2027 | 30 Jun 2026 | 30 Jun 2026 | 31 Mar 2028 |
| Nearest Expressways | Kallang 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) |
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| Nearest Malls | Hougang Mall The Midtown | Pioneer Mall Jurong Point | West Mall | Yew Tee Point Limbang Shopping Centre Lot One Shoppers' Mall |
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| Nearest MRT Stations | Bartley 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 |
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| Primary Schools Within 1km | Methodist Girls' School Paya Lebar Methodist Girls' School | Juying Primary Xingnan Primary Jurong West Primary | - | De La Salle Kranji Primary Yew Tee Primary |
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| Primary Schools Within 1km to 2km | Xinghua 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 |
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Mature Estates
| HDB BTO November 2021 (Mature) | Kent Heights @ Kallang/ Whampoa | River Peaks I & II @ Rochor |
|---|---|---|
| Estate Type | Mature | Mature |
| Flats Available | 430 | 960 |
| Flat Types Available | 2-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 |
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| Selection of Flat | Jan to Sep 2022 | |
| Estimated Completion Date | 4Q2026 | 2Q2028 |
| Estimated Possession Date | 30 Jun 2028 | 31 Dec 2029 |
| Nearest Expressways | Central Expressway (CTE) | Central Expressway (CTE) |
| Nearest Malls | City 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 Stations | Farrer Park MRT Novena MRT Little India MRT | Jalan Besar MRT Rochor MRT Bugis MRT |
| Primary Schools Within 1km | St. 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:
| Stage | Payment Due | Mode of Payment |
|---|---|---|
| Submitting your application | $10 | Credit Card |
| Booking a flat | Option fee | NETS |
| 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:
| Stage | Payment Due | Mode of Payment |
|---|---|---|
| Submitting your application | Determined by developer | Determined 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 keys | If 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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