Understanding HDB BTO in Singapore: Your Guide to New Flats For many Singaporeans, the HDB BTO scheme represents an important opportunity to own a home affordably. Managed by HDB, the BTO flats are launched periodically, and buyers apply before construction begins. Applicants need to fulfill certain conditions including income ceilings, https://simonnomjf.thenerdsblog.com/44693473/hdb-bto-27-54