A Singaporean's step-by-step guide: Applying for your first HDB BTO (November 2021 BTO sales launch), Money News

PUBLISHED ONNovember 27, 2021 3:00 AMByMing Feng

Curious about the 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	Four-room Five-room	Four-room Five-room	Three-room Four-room	Two-room Flexi Three-room Four-room Five-room	Two-room Flexi Three-room Four-room Five-room	Two-room Flexi
Indicative price range (excluding grants)	Four-room $308,000 - $377,000	Four-room $318,000 - $389,000	Three-room $173,000	Two-room Flexi (Type 1) $119,000 - $139,000 Two-room Flexi (Type 2) $142,000 - $170,000	Two-room Flexi (Type 1) $120,000 - $157,000 Two-room Flexi (Type 2) $144,000 - $190,000	Two-room Flexi (Type 1) $72,000 - $78,000
	Five-room $416,000 - $488,000	Five-room $419,000 - $495,000	Four-room $264,000	Three-room $215,000 - $257,000	Three-room $194,000 - $253,000	Two-room Flexi (Type 2) $86,000 - $98,000
				Four-room $312,000 - $380,000	Four-room $319,000 - $390,000
				Five-room $428,000 - $500,000	Five-room $436,000 - $519,000
Selection of flat	January to September 2022
Estimated completion date	1Q2025	2Q2026	4Q2025	4Q2024	4Q2024	3Q2026
Estimated possession date	Sept 30, 2026	Dec 31, 2027	June 30, 2027	June 30, 2026	June 30, 2026	March 31, 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)
Nearest malls	Hougang Mall The Midtown		Pioneer Mall Jurong Point	West Mall		Yew Tee Point Limbang Shopping Centre Lot One Shoppers' Mall
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
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
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

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	Two-room Flexi Four-room	Three-room Four-room
Indicative price range (excluding grants)	Two-room Flexi (Type 1) $192,000 - $241,000 Two-room Flexi (Type 2) $247,000 - $309,000	Three-room $409,000 - $474,000
Indicative price range (excluding grants)	Four-room $511,000 - $660,000	Four-room $582,000 - $688,000
Selection of flat	January to September 2022
Estimated completion date	4Q2026	2Q2028
Estimated possession date	June 30, 2028	Dec 31, 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!

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 pray 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 - five per cent of purchase price (goes to the cash portion of the downpayment)	Cash Cashier's order Cheque
Signing sale and purchase agreement	Balance downpayment One per cent to three per cent legal fee and stamp duty	Cash Cashier's order 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 order 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.

This article was first published in Seedly.

BTO flats (Build-to-order flats)HDB Home Buyers property