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Housing

Singapore HDB, BTO, condo and private-property guides, market analysis and practical buying decisions.

Singapore BTO launches 2026 banner

HDB BTO Guide: How the Ballot Works, Who Is Eligible, and What to Expect

Singapore's BTO system gives eligible buyers access to subsidised flats at below-market prices β€” but the rules changed significantly in 2024. This guide covers the mandatory HFE letter, the Standard/Plus/Prime classification that changes your MOP from 5 to 10 years, correct EHG grant tiers up to a $9,000 income ceiling, and the 25% downpayment that many guides still get wrong.

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