How to Apply for House in Singapore – Simple Guide

For many in Singapore, buying a Build-to-Order (BTO) flat marks a huge step. It’s often their first home and a big financial step. To apply, check during a sales exercise if you’re eligible for a hdb flat application singapore. If you qualify, you get a chance to pick a flat. Then, you wait for your new home to be ready, which takes about three to five years. This guide is for first-timers who need to understand the bto flat application process. It covers important steps like eligibility for hdb flat, applying for bto flat, the cost involved, and the time it all takes.

Key Takeaways

  • Understand the eligibility criteria, including citizenship, income ceilings, and property ownership rules, to apply for a BTO flat in Singapore.
  • Explore the different housing options, such as BTO flats, Executive Condominiums (ECs), and resale flats, and their respective resale flat application process.
  • Prepare your finances by checking your eligibility for housing loans and exploring hdb loan application and hdb downpayment requirements.
  • Navigate the BTO flat application process, including online application, balloting, flat selection, and document submission.
  • Consider additional factors like renovation planning, temporary accommodation, and moving and storage when buying a new home.

Understanding the Eligibility Criteria

To apply for a new HDB flat in Singapore, there are certain things you need to know. First, you must be a Singapore Citizen. You can apply with family, your spouse or parents, or if you’re single or with other singles, and are 35 years or older. Also, make sure you don’t already own a private home.

Citizenship Requirements

If you’re looking to get an HDB flat, being a Singapore Citizen is key. You can apply with family, including your spouse or children. Or you can do it alone or with others, but only if you’re 35 or above. Those who are not citizens, including permanent residents, cannot apply directly.

Income Ceilings

Your combined household income can’t be above a certain level for the type of flat you want. The HDB sets these limits and updates them to keep the program fair for everyone. It’s important to know these hdb income ceiling figures before applying for a flat.

Property Ownership Rules

If you already own a private home, it might affect your HDB flat application. You must not have any residential properties, here or overseas, already when applying. Nor can you get one while you’re owning the HDB flat.

It’s crucial to check if you meet all criteria before moving forward. This way, you can make sure you’re ready to apply for an HDB flat and start your journey to homeownership in Singapore.

Types of Housing and Application Schemes

When looking for a home in Singapore, you have several options. These include Build-to-Order (BTO) flats, Executive Condominiums (ECs), and resale flats. Each type has its own process and rules.

Build-to-Order (BTO) Flats

BTO flats are great for first-time buyers. To get one, you need to apply online when they’re available. You must wait for your queue number after applying. Make sure you meet the set criteria, like being a citizen and salary limits.

Executive Condominiums (ECs)

ECs are a mix of public and private living spaces. They’re developed by private companies but have government rules to follow. Applying for an EC is similar to a BTO. You need to meet certain income and eligibility rules.

Resale Flats

If you want a home right away, resale flats are a good choice. You find one on the market yourself and agree on a price with the current owner. This is easier than a BTO but still involves checking the home’s condition, location, and lease period.

To get the right home in Singapore, you must understand each housing option. This includes knowing the process, who can apply, and how to pay for your home. This way, you can make smart choices and increase your chance of getting the home you want.

Preparing for the Application Process

Before you apply for housing in Singapore, you must get your finances ready. Check to see if you are eligible for a housing loan. This could be from HDB or a bank. Those with a household income below S$14,000 may apply for the HDB loan.

Checking Eligibility for Housing Loans

To know your budget, review your finances first. This helps you see the maximum loan amount you can get. It’s important to know the HDB loan rules and down payment amount. Knowing these makes your buying journey easier.

Exploring CPF Housing Grants

Besides loans, you might be eligible for CPF housing grants. These grants can lower your initial buying costs. Look into the different grants available. This will help you get as much financial help as possible.

Monitoring Sales Launches

It’s key to keep updated on new HDB BTO launches. Knowing the sales timeline helps you plan better. This way, you can apply at the right time to get a good unit. Stay informed to make smart, timely decisions.

Applying for a BTO Flat

When you’re ready to apply for a BTO flat, visit the HDB InfoWEB online. Applying requires a S$10 fee per BTO flat application. The balloting process decides the queue numbers for each person. This number then helps during the flat selection.

Online Application Process

Applying for a BTO flat means going online at HDB InfoWEB. You need to share your personal, family, and financial details. This is to check if you’re eligible to apply for a HDB flat.

Balloting and Queue Number

After applying, a computerized balloting process assigns queue numbers. These numbers are crucial for selecting your flat. The lower your number, the sooner you get to choose your dream flat.

Flat Selection and Booking

Those with lower queue numbers pick their BTO flat first. Picking your flat usually happens a few months after applying.

Submitting Required Documents

Once you choose a BTO flat, you need to send in specific documents. This verifies your eligibility and financial status. It’s an important step before buying your flat.

Payment of Option Fee

To secure your BTO flat, applicants pay an option fee. The amount can be S$2,000 to S$5,000, depending on the flat. This fee is part of your total purchase cost.

Signing Agreement for Lease

The last step is signing the Agreement for Lease. It’s a purchase contract between you and HDB. This agreement details the flat’s cost, payment schedule, and significant dates.

Financing Your New Home

When looking to buy a home in Singapore, you have two main ways to finance it. This can be done through an HDB housing loan or a bank loan.

If your household income is below S$14,000 a month, the HDB housing loan is a smart choice. It comes with low-interest rates and flexible repayment plans, especially helpful for first-time buyers. The hdb loan application process requires some paperwork and meeting the hdb downpayment requirements.

You could also go for a bank loan, offered by banks in Singapore. These loans give you more options and could be better if you make more money or have complex finances. But, make sure to compare interest rates, loan terms, and conditions to find what suits you best.

Staggered Downpayment Scheme

The staggered downpayment scheme is there to lessen the initial payment pressure. You can pay the full 5% downpayment in two parts – 2% when you book a flat and the other 3% before you get the keys. This is a big help for new buyers to manage their money better when starting to own a home.

Financing OptionKey FeaturesEligibility Criteria
HDB Housing LoanCompetitive interest rates Flexible repayment terms Government-backedAverage gross monthly household income not exceeding S$14,000 Meet hdb downpayment requirements
Bank LoanWider range of loan packages Suitable for higher incomes or complex financial situationsNo specific income ceiling Meet bank’s eligibility criteria
Staggered Downpayment SchemePay downpayment in two installments Helps manage cash flow during homeownershipApplicable for BTO flat and resale flat purchases

Additional Considerations

When looking for a new house in Singapore, think about more than just payments and getting a loan. Focus on planning for renovations too. Set aside about S$30,000 for the renovation budget. This is because most loans from banks for renovations don’t go over this amount. With proper planning and budgeting, the move to your new place will be easier.

Renovation Planning

Renovating in Singapore needs a lot of thought and money planning. Banks give renovation loans up to about S$30,000. So, knowing exactly what your renovations will need and cost is crucial. It makes getting the right financing easier and stops you from facing surprise costs.

Temporary Accommodation

If you’ve bought a Build-to-Order (BTO) flat, remember you might need a place to stay while it’s being built. This can take 3-5 years. So, renting in the meantime can keep you in a comfy spot until your new home is ready.

Moving and Storage

Moving into your new place means you have to figure out moving and storage details. This involves finding a trustworthy moving company, getting your stuff packed up, and possibly putting things into storage. Smart planning makes moving day go by smoothly and with less worry.


Buying a home in Singapore is a detailed process. It requires understanding various steps and criteria. By preparing well and breaking the process into smaller steps, home seekers can navigate it better.

It’s crucial to know what’s needed, look into grants and financing, and plan early. This ensures buying a home is a smooth experience. With the right planning, getting your dream home in Singapore is achievable. It’s a big step towards financial security and independence.

This guide helps home buyers in Singapore feel more ready and self-assured. Even though the journey to owning a home has its obstacles, knowing what to do and being prepared helps. Owning a home where you feel comfortable and secure is a big life achievement.


What are the eligibility criteria for applying for a BTO flat in Singapore?

To get a BTO flat, you must be a Singapore citizen. You can apply with a spouse, parents, children, or as a single or joint single person if 35 or older. You can’t already own other private property. Your household’s total income per month can’t be more than a set amount, based on the type of flat.

What are the different types of housing options available in Singapore?

In Singapore, there are three main housing types for eligible buyers. These are Build-to-Order (BTO) flats, Executive Condominiums (ECs), and resale flats.

How do I prepare my finances before applying for a BTO flat?

First, you should see if you can get a housing loan. This can be from HDB or a bank. If your household’s average monthly income is less than S$14,000, you’re eligible for an HDB loan.

What is the application process for a BTO flat?

Applying for a BTO flat is done online at HDB InfoWEB. You pay $10 as an administrative fee for each application. Then, a balloting process gives you a queue number. This number decides the order in which you can select your flat.

What financing options are available for buying a home in Singapore?

If you’re buying a BTO flat or another home, you can finance it with an HDB loan or a bank loan.

What other factors should I consider when buying a new home?

Aside from the application and financing, remember to budget for renovations. The average cost is $30,000. Also, you need to plan for where to stay and store your things during the renovation.