HDB BTO Launches

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Upcoming BTO Launches - November 2020

According to HDB, the next BTO launch is expected to take place in November 2020. Three will be located in mature estates of Bishan, Toa Payoh and Tampines while two will be located in non mature estates of Tengah and Sembawang.

Scroll down to learn about the of each upcoming new launch and start your planning today.

BTO Launch Pricing Forecast

Even though HDB has not announced the launch prices for the upcoming BTO exercise, we can forecast an estimate price range for each property type in the respective estates based on previous exercises.

Bishan Toa Payoh Tampines Tengah Sembawang
Forecast Min Max Min Max Min Max Min Max Min Max
HDB 3 Room $350,000 $450,000 $300,000 $400,000 - - $200,000 $250,000 $150,000 $200,000
HDB 4 Room $500,000 $650,000 $450,000 $550,000 $300,000 $400,000 $300,000 $350,000 $250,000 $300,000
HDB 5 Room - - $580,000 $650,000 $450,000 $500,000 $400,000 $500,000 $350,000 $400,000
These forecasts take into consideration both nearby resale transaction prices and launch prices in recent BTO exercises. Adjustments account for differences in property age and location. For example, a BTO launch that is nearer to an upcoming MRT station or commercial development is likely to be more expensive than a similar home that is further to key transportation nodes and commercial activities.
Estimated Monthly Cash Payment Above CPF (by Income Level)

Based on SRX's pricing forecast, the table below compares affordability across the upcoming BTO launches.

Legend: Red means that income level may not be able to qualify for a mortgage per MAS 30% MSR Rule

Bishan Median* Monthly Cash Payment
Your Household Income $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000
HDB 3 Rooms $1,040 $833 $648 $464 $279 $94 $0 $0 $0
HDB 4 Rooms $1,755 $1,547 $1,363 $1,178 $994 $809 $624 $440 $255
*Based on Bishan median pricing forecast of $400,000 for HDB 3 Rooms and $575,000 for HDB 4 Rooms
Toa Payoh Median* Monthly Cash Payment
Your Household Income $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000
HDB 3 Rooms $836 $629 $444 $260 $75 $0 $0 $0 $0
HDB 4 Rooms $1,449 $1,241 $1,057 $872 $687 $503 $318 $133 $0
HDB 5 Rooms $1,918 $1,711 $1,526 $1,342 $1,157 $972 $788 $603 $418
*Based on Toa Payoh median pricing forecast of $350,000 for HDB 3 Rooms and $500,000 for HDB 4 Rooms and $615,000 for HDB 5 Rooms
Tampines Median* Monthly Cash Payment
Your Household Income $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000
HDB 4 Rooms $836 $629 $444 $260 $75 $0 $0 $0 $0
HDB 5 Rooms $1,347 $1,139 $955 $770 $585 $401 $216 $31 $0
*Based on Tampines median pricing forecast of $350,000 for HDB 4 Rooms and $475,000 for HDB 5 Rooms
Tengah Median* Monthly Cash Payment
Your Household Income $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000
HDB 3 Rooms $326 $118 $0 $0 $0 $0 $0 $0 $0
HDB 4 Rooms $734 $527 $342 $157 $0 $0 $0 $0 $0
HDB 5 Rooms $1,244 $1,037 $852 $668 $483 $299 $114 $0 $0
*Based on Tengah median pricing forecast of $225,000 for HDB 3 Rooms and $325,000 for HDB 4 Rooms and $450,000 for HDB 5 Rooms
Sembawang Median* Monthly Cash Payment
Your Household Income $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000
HDB 3 Rooms $122 $0 $0 $0 $0 $0 $0 $0 $0
HDB 4 Rooms $530 $323 $138 $0 $0 $0 $0 $0 $0
HDB 5 Rooms $938 $731 $546 $362 $177 $0 $0 $0 $0
*Based on Sembawang median pricing forecast of $175,000 for HDB 3 Rooms and $275,000 for HDB 4 Rooms and $375,000 for HDB 5 Rooms

The figures show you an estimate of the extra monthly cash instalments you have to fork out after CPF deduction. These estimates take into account the prevailing CPF OA contributions, Enhanced CPF Housing Grant (EHG) and loan interest rate.

Depending on your household income, a cash payment highlighted in red means that it may not be affordable for you to purchase that BTO.

Assumptions:

1. Buyers have sufficient savings for the 10% downpayment.

2. The monthly installment is based on the maximum tenure of 25 years at HDB concessionary interest rate of 2.6% p.a.

3. Buyers apply as a first-timer household under one of the eligibility schemes, and all buyers are Singapore citizens.

4. Buyers fulfil all eligibility criteria e.g. within income ceiling for flat intended, at least 21 years old, do not own other property overseas or locally.

Disclaimer: Calculations provided above for financing are for general reference only. StreetSine Singapore Pte Ltd accepts no liability whatsoever arising from any use of or reliance on the use of these tables.

Find out more about pricing

Financing your Dream Home in Bishan, Toa Payoh, Tampines, Tengah, Sembawang

BTO or Resale? Learn more in each BTO Location - Bishan, Toa Payoh, Tampines, Tengah, Sembawang

Is BTO A Good Investment in Bishan, Toa Payoh, Tampines, Tengah, Sembawang?

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More smaller units as land for new housing in such areas limited: HDB...  Read more
Past BTO Launches
Singapore HDB Towns Sembawang Woodlands Yishun Punggol Sengkang Pasir Ris/ Changi Tampines Bedok Kallang/ Whampoa Choa Chu Kang Bukit Panjang Bukit Batok Jurong West Jurong East Clementi Queenstown Bukit Merah Toa Payoh Geylang Bishan Serangoon Ang Mo Kio Hougang Marine Parade Tengah
Singapore HDB Towns Sembawang Woodlands Yishun Punggol Sengkang Pasir Ris/ Changi Tampines Bedok Kallang/ Whampoa Choa Chu Kang Bukit Panjang Bukit Batok Jurong West Jurong East Clementi Queenstown Bukit Merah Toa Payoh Geylang Bishan Serangoon Ang Mo Kio Hougang Marine Parade Tengah
Singapore HDB Towns Sembawang Woodlands Yishun Punggol Sengkang Pasir Ris/ Changi Tampines Bedok Kallang/ Whampoa Choa Chu Kang Bukit Panjang Bukit Batok Jurong West Jurong East Clementi Queenstown Bukit Merah Toa Payoh Geylang Bishan Serangoon Ang Mo Kio Hougang Marine Parade Tengah
Singapore HDB Towns Sembawang Woodlands Yishun Punggol Sengkang Pasir Ris/ Changi Tampines Bedok Kallang/ Whampoa Choa Chu Kang Bukit Panjang Bukit Batok Jurong West Jurong East Clementi Queenstown Bukit Merah Toa Payoh Geylang Bishan Serangoon Ang Mo Kio Hougang Marine Parade Tengah
Buy a BTO
Step 1
Select Location
Select your preferred location across the BTO launch
Step 2
Check eligibility
Check your eligibility in buying a BTO here. You can also calculate your mortgage affordability for each BTO (i.e. Bidadari)
Step 3
Submit Application
Submit Application here (which will only be opened when HDB has released the submission period).
Step 4
Update status
Get updates on application status here
Step 5
Invitation to book BTO

Once application is successful, you will be invited to book the BTO flat.

Check option fee and bring required documents

Step 6
Sign Lease Agreement

Then, you will have to submit a Letter of Offer if you are obtaining a housing loan from banks.

The CPF down-payment (plus 1-3% legal and stamp fees) or cash includes:

10% for buyers taking a housing loan from HDB

20% for buyers taking a housing loan from bank

Check cost involved here

Step 7
Collect flat keys
Get updates on application status here
FAQs
  • What is an HDB BTO?

    The acronym for Build To Order is BTO. Eligible buyers planning to buy a new HDB apartment can apply for BTO.

  • How does BTO work?

    Tender for construction will be called only if the number of applicants is at least 70% of the number of apartments in a specific contract (50% since 2011), otherwise, the project will not be built.

    Comparing with typical HDB Resale flats, the BTO flats require a waiting period of about 3-4 years. For eligible BTO flat buyers in urgent need of accommodation who are not willing to wait for about 3-4 years, they can ballot for leftover units that are reintroduced into the market, Sales of Balance flats (SBF).

  • How can I increase my chances of getting a Build-to-Order flat?

    Buyers can enjoy a much higher chance of success if they apply for BTO flats in non-mature estates, which are generally well-developed today with good transport networks and easy access to amenities.

    In fact, most first-timer applicants are able to secure a flat with-in two tries, and almost certainly on their third attempt. These flats are also more affordable and give applicants eligibility for more grants.

    It is typically buyers who apply for mature estates or through HDB's Sale of Balance Flats exercise who are unsuccessful on multiple tries. This is because flat supply is limited and demand is high in these estates.

    Applicants with children or planning to live close to their parents can also take advantage of HDB's various priority schemes.

    For instance, married couples who are expecting a child or already have children can apply for the Parenthood Priority Scheme (PPS) or the Third Child Priority Scheme (TCPS).

    The PPS gives priority to first-timer married couples who are expecting or have children younger than 16 years old, by setting aside up to 30 per cent of the BTO flat supply for them.

    Families with three or more children will enjoy further priority under the TCPS, where HDB sets aside, on top of the PPS, up to an additional 5 per cent of the flat supply.

    Another scheme offered is the Married Child Priority Scheme, applicable for married children who wish to live together with or close to their parents for mutual care and support.

    Under this scheme, up to 30 per cent and 15 per cent of the BTO flat supply is set aside for first-timer and second-timer applicants, respectively. In addition, those who apply for a new pair of flats with their parents in the same BTO project can enjoy priority under the Multi-Generation Priority Scheme. - source: MND Singapore

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