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Eligibility to Buy BTO Flats in Singapore

Build-To-Order (BTO) flats are a popular public housing option offered by the Housing and Development Board (HDB) in Singapore. These flats are constructed based on demand, allowing buyers to select their preferred location and flat type. However, there are specific eligibility criteria that potential buyers must meet to qualify for purchasing a BTO flat. This guide outlines the key eligibility requirements for buying a BTO flat in Singapore.


Key Takeaways:

  • Eligibility for BTO flats depends on factors such as citizenship, age, family nucleus, and income.
  • Different HDB schemes cater to various demographic groups, including families, singles, and seniors.
  • Meeting the eligibility criteria is crucial for successfully applying for a BTO flat.


Eligibility Criteria for BTO Flats

  1. Citizenship:
  • At least one applicant must be a Singapore Citizen.
  • For some schemes, both applicants must be Singapore Citizens or one must be a Singapore Citizen and the other a Singapore Permanent Resident.

Citizenship is a fundamental requirement for purchasing a BTO flat. This ensures that public housing benefits are reserved for Singaporeans, with Permanent Residents also having access when forming a family nucleus with a citizen. This policy supports the government’s objective of providing affordable housing primarily to its citizens.

  1. Age:
  • Applicants must be at least 21 years old.
  • Singles aged 35 and above can apply under specific schemes (e.g., Single Singapore Citizen Scheme).

The age requirement ensures that applicants are mature enough to handle the responsibilities of homeownership. For singles, the higher age threshold of 35 reflects a greater degree of financial stability and independence, making it feasible for them to own a property individually.


  1. Family Nucleus: Applicants must form a family nucleus with at least one other person who is either:
  • A Singapore Citizen or Singapore Permanent Resident.
  • Immediate family members such as spouse, children, parents, or siblings.

The requirement to form a family nucleus emphasizes the importance of family units in HDB’s housing policies. This criterion ensures that the flat will serve as a stable home for families, supporting the social fabric of Singaporean society.


  1. Income Ceiling:
  • There are income ceilings for different types of BTO flats and schemes. These limits vary based on the size and type of flat.
  • For example, the income ceiling for a 4-room or smaller flat under the Build-To-Order (BTO) scheme is typically SGD 14,000 per month for families.

Income ceilings ensure that HDB flats are allocated to households that genuinely need affordable housing. This policy helps maintain the equitable distribution of public housing resources, prioritizing lower to middle-income families.


  1. Property Ownership:
  • Applicants must not own any private property, locally or overseas, or have disposed of any such property within the last 30 months.
  • Applicants must not own more than one HDB flat or executive condominium.

These restrictions prevent individuals who already have substantial property assets from purchasing subsidized public housing. It ensures that HDB flats are reserved for those without alternative housing options, aligning with the goal of providing affordable housing to those who need it most.

Overview of HDB Eligibility Schemes for BTO Flats

  1. Public Scheme: This scheme is for families comprising at least one Singapore Citizen and at least one other Singapore Citizen or Singapore Permanent Resident.
  • Eligibility: Married couples, parents and children, siblings, or extended families.
  • Age Requirement: At least 21 years old for all applicants.

The Public Scheme supports traditional family structures and encourages homeownership among families, contributing to social stability and cohesion. It is the most common scheme under which families can apply for BTO flats, ensuring that public housing caters primarily to family units.

  1. Fiance/Fiancee Scheme: This scheme allows engaged couples to apply for a BTO flat together.
  • Eligibility: Couples who are engaged and planning to marry within three months of taking possession of the flat.
  • Age Requirement: At least 21 years old for both applicants.

The Fiance/Fiancee Scheme helps young couples secure a home in preparation for marriage, providing stability and a sense of security as they start their life together. This forward-thinking approach allows couples to plan their future with a stable housing option already secured.

  1. Single Singapore Citizen Scheme: This scheme is designed for single citizens aged 35 and above who wish to purchase a flat on their own.
  • Eligibility: Single Singapore Citizens.
  • Age Requirement: At least 35 years old.

This scheme recognizes the housing needs of singles, allowing them to own a home independently. The age requirement ensures applicants have reached a level of financial stability, making it feasible for them to handle the responsibilities of homeownership.

  1. Joint Singles Scheme: This scheme allows two to four single citizens to jointly apply for a BTO flat.
  • Eligibility: Groups of 2-4 single Singapore Citizens.
  • Age Requirement: At least 35 years old for all applicants.

The Joint Singles Scheme is ideal for friends or siblings who wish to co-own a flat, providing flexibility and affordability for singles looking to share housing costs. It promotes shared responsibility and cost-sharing among singles, making homeownership more accessible.

  1. Orphans Scheme: This scheme caters to orphans who wish to purchase a BTO flat with their siblings.
  • Eligibility: Orphaned Singapore Citizens who are siblings.
  • Age Requirement: At least 21 years old.

The Orphans Scheme supports young individuals who have lost their parents, providing them with stable housing and the ability to stay together as a family unit. This scheme ensures that orphans have the opportunity to own a home, providing stability and security.

  1. Non-Citizen Spouse Scheme: This scheme allows Singapore Citizens to buy a BTO flat with their non-citizen spouse.
  • Eligibility: Singapore Citizens with non-citizen spouses who hold valid passes.
  • Age Requirement: At least 21 years old.

This scheme accommodates the growing number of Singaporeans married to non-citizens, ensuring they have access to affordable housing and can establish a family home. It supports the integration of non-citizen spouses into Singaporean society by providing them with stable housing options.

  1. Senior Citizens Scheme: This scheme is tailored for elderly citizens looking to buy or downsize to a more manageable flat.
  • Eligibility: Elderly Singapore Citizens and their family members.
  • Age Requirement: At least 55 years old for the elderly applicant.

The Senior Citizens Scheme helps older adults find suitable housing that meets their needs, promoting independence and enhancing their quality of life. It allows seniors to downsize to more manageable flats, ensuring their living conditions are appropriate for their age and health needs.

Detailed Eligibility Requirements for Common BTO Schemes

Scheme Eligibility Age Requirement Income Ceiling Property Ownership Restrictions
Public Scheme Families (citizen and PR) 21+ SGD 14,000 No private property in last 30 months
Fiance/Fiancee Scheme Engaged couples 21+ SGD 14,000 No private property in last 30 months
Single Singapore Citizen Single citizens 35+ SGD 7,000 No private property in last 30 months
Joint Singles Scheme 2-4 single citizens 35+ SGD 14,000 (combined) No private property in last 30 months
Orphans Scheme Orphaned siblings 21+ SGD 14,000 No private property in last 30 months
Non-Citizen Spouse Scheme Citizen with non-citizen spouse 21+ SGD 14,000 No private property in last 30 months
Senior Citizens Scheme Elderly citizens and family 55+ Varies by flat type No private property in last 30 months

Steps to Verify Eligibility

  1. Check Your Citizenship and Age: Ensure you meet the basic requirements of being a Singapore Citizen and the minimum age requirement for your chosen scheme.

Citizenship and age are foundational criteria. Confirming these ensures that you qualify for consideration under the relevant HDB schemes. Without meeting these basic criteria, you would not be eligible to apply for a BTO flat.

  1. Assess Your Family Nucleus: Confirm that you have the necessary family members to form a valid family nucleus under the selected scheme.

Forming a family nucleus is essential for many HDB schemes. This step ensures that you meet the familial requirements necessary for your chosen scheme. It supports HDB’s goal of providing stable housing for families and maintaining social cohesion.

  1. Calculate Your Income: Determine if your household income falls within the specified income ceiling for the type of flat and scheme you are applying for.

Calculating your household income and ensuring it is within the income ceiling is critical. This ensures that your application will be considered and that you qualify for any relevant grants. Exceeding the income ceiling would make you ineligible for certain flat types and schemes.

  1. Review Property Ownership: Verify that you do not own any private property and have not disposed of any in the last 30 months. Also, ensure you comply with HDB’s rules on multiple property ownership.

Reviewing your property ownership status is essential to confirm that you meet HDB’s requirements. Ensuring you do not own private property or have not recently disposed of any aligns with HDB’s policies, which aim to provide affordable housing to those without alternative options.

  1. Gather Necessary Documents: Prepare all necessary documents, such as identity cards, proof of income, and relationship verification, to support your application.

Having all necessary documentation ready facilitates a smoother application process. Missing documents can delay your application and financing approval. Ensure all information is accurate and up-to-date to avoid complications.


Understanding the eligibility criteria for purchasing BTO flats in Singapore is crucial for a smooth and successful application process. By meeting the requirements related to citizenship, age, family nucleus, income, and property ownership, potential buyers can take advantage of the various schemes offered by HDB. Ensuring compliance with these criteria not only facilitates the application process but also opens up opportunities for grants and other benefits that can make owning a BTO flat more affordable. By carefully verifying your eligibility and preparing the necessary documents, you can confidently navigate the BTO flat application process and secure a home that meets your needs. Thorough preparation and understanding of these requirements ensure a seamless and efficient journey towards homeownership.


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