Apply for a Flat from HDB
You can buy a flat from HDB under the Build-To-Order System or Sale of Balance Flats. The procedure to buy a flat from HDB is as follows
Step 1: Launch BTO or Sale of Balance Flats Exercise
HDB announces in the newspapers, HDB InfoWEB and other media the sites where flats are to be built. The following information will be available:
  • Location,
  • Indicative prices,
  • Preliminary designs, and
  • The number of units of flats offered

Checking Eligibility to Buy
Check whether you are eligible to buy a flat from HDB

Checking Loan Eligibility
Check that you are eligible for an HDB loan or a bank loan, the loan quantum you are eligible for and the flat type within your affordability.

Checking Fee Payment Capability
Check that you are able to pay an option fee, downpayment and the other costs related to the purchase such as:
  • Legal fees
  • Resale levy
  • Renovation cost
  • Home protection insurance, etc.
None at this stage.

Step 2: Submit Application
You must submit your flat applications online via HDB InfoWEB at

Alternatives to the Online Method
Those without internet access can also visit HDB Hub or any of HDB’s Branches to submit their application.
A non-refundable administrative fee of $10 is payable by credit card (Master Card /Visa).

Step 3: Receive Outcome of Application
At the end of the application period, HDB will conduct a computer ballot to determine the applicants' queue position to book a flat and inform applicants of the outcome. Applicants who are not shortlisted will also be informed that they are unsuccessful in their application.

You can check the status of application when the result is announced.
No payments at this stage.

Step 4: Book Flat
Invited applicants will be given an invitation package with an appointment to book a flat, and the list of documents to bring for the appointment.An option fee by NETS.

Documents to bring

From February 2015 sales launch onwards, you will need to have a valid HLE Letter when you book a flat.

Step 5: Sign Agreement for Lease
You will be invited to sign the Agreement for Lease. You have to submit:
  • A valid HDB Loan Eligibility (HLE) letter if you are obtaining a housing loan from HDB
  • A Letter of Offer if you are obtaining a housing loan from banks

View sample legal Documents
A downpayment* (plus 1-3% legal and stamp fees) by CPF money or cash:

2-room and bigger flat
Studio Apartment
  • 5% (no mortgage loan provided)

Click to check the cost involved.

Step 6: Collect Flat Keys
For flats offered under the BTO, you would collect the keys to your flats in about three years' time.

View sample legal Documents
2-room or bigger
Balance of the purchase price of the flat booked, by Cash or CPF or a combination of both.

Studio Apartment
The HDB will not grant loan for the purchase of the Studio Apartment. Applicants are required to pay the remaining 95% of the purchase price of the Studio Apartment in full before they can take possession of the flat.

Applicants who are owners of HDB flats may request for contra facility to offset the payment for the purchase of the Studio Apartment from the proceeds held by the HDB pending the completion of resale of their existing flat. The keys to the Studio Apartment will be issued after the completion of the resale of the existing flat.

HDB Concessionary Loan
If you are eligible for an HDB concessionary rate loan, you may be given a loan up to the housing loan ceiling, subject to full usage of funds from your CPF Ordinary Account and credit assessment.

GIRO Application For Paying Monthly Instalments by Cash
If you intend to pay the monthly instalments partially or fully by cash, you will have to submit a completed GIRO application form before we grant you a loan. If we do not receive the completed GIRO application form on or before the appointment for keys collection, we may withdraw the letter of offer and you will have to find alternative financing for the purchase.

Bank Loans in Case of Non-eligibility for HDB Concessionary Loan
If you are not eligible for an HDB concessionary rate loan, you may approach the banks or financial institution (licensed by MAS) to obtain a mortgage loan.

Conditions after purchase
Last Updated on 19 Jun 2015