The Housing & Development Board (HDB) has unveiled an exciting lineup of Build-To-Order (BTO) flats for 2025. With a total of 10,622 flats launched in February.
This rollout includes both BTO and Sale of Balance Flats (SBF) exercises. Whether you're a young couple, a single professional, or an investor, this guide will help you navigate the latest offerings, understand the benefits, and make informed decisions.
The February 2025 exercise features 5,032 BTO flats across five projects located in Kallang/Whampoa, Queenstown, Yishun, and Woodlands.
Additionally, 5,590 SBF units are available island-wide in the largest SBF exercise to date. Here are key highlights:
HDB’s new framework categorises flats into Standard, Plus, and Prime types. Each classification offers distinct benefits:
| Classification | Features | Example Projects | Price Range (Before Grants) |
|---|---|---|---|
| Standard | Affordable flats with basic amenities | Chencharu Vines (Yishun), Woodlands North Verge | From $108,000 (2-room Flexi) |
| Plus | Enhanced locational attributes with additional subsidies | Stirling Horizon (Queenstown) | From $224,000 (2-room Flexi) |
| Prime | Premium locations with stringent ownership conditions | Tanjong Rhu Parc Front (Kallang/Whampoa) | From $211,000 (2-room Flexi) |
Tip: If affordability is your priority, consider Standard projects like Chencharu Vines or Woodlands North Verge.
For those seeking central locations with higher resale potential, Plus or Prime projects may be worth exploring.
Eligible first-timer families can benefit from the Enhanced CPF Housing Grant of up to $120,000. This significantly reduces the upfront costs of purchasing a flat:
Here’s a breakdown of typical EHG amounts based on monthly household income:
| Monthly Income | EHG Amount | Example Purchase Scenarios |
|---|---|---|
| $4,000 | $80,000 | Buy a 3-room Standard flat with little/no cash payment |
| $7,000 | $30,000 | Buy a 4-room Plus or Prime flat using CPF contributions |
| $9,000 | $5,000 | Purchase any flat type using CPF without cash payment |
Navigating the BTO application process can be overwhelming. Follow these steps to streamline your experience:
A valid HDB Flat Eligibility (HFE) letter is mandatory for applying. Submit your documents early to avoid delays, preferably by December 2025 for February 2025 exercises or June 2025 for July 2025 exercises.
With the Loan-to-Value (LTV) limit for HDB loans reduced to 75%, careful financial planning is crucial. Use your CPF contributions wisely and consider additional savings for down payments.
Evaluate factors such as location, amenities, and price range. For faster move-in times, opt for SBF flats — 40% are already completed.
To improve your chances of securing a flat, apply for projects with lower application rates. The HDB Flat Portal updates these rates regularly during the eight-day application window.
Applications are open online from February 10–17. There’s no need to rush; all submissions are processed via computer ballot.
For first-timer singles aged 35 and above, there’s good news! You can now apply for 2-room Flexi flats island-wide, offering greater flexibility in location choices.
This is especially appealing for professionals pursuing financial independence or minimalist lifestyles.
Owners of Plus and Prime flats must pay a percentage of the resale price back to HDB upon selling their units after meeting the Minimum Occupation Period (MOP).
This ensures parity with buyers who did not receive additional subsidies:
These measures maintain affordability while balancing resale value.
Looking ahead to July 2025, HDB plans to launch approximately 5,400 flats across seven towns, including Bukit Merah and Tampines.
If you missed the February exercise or prefer other locations, mark your calendar and prepare early by obtaining your HFE letter by June 2025.
|
Town |
Available units |
Room types |
| Simei (Tampines) | 380 | 2-Room Flexi 4-Room 5-Room |
| Woodlands North | 1,130 | 2-Room Flexi 3-Room 4-Room 5-Room |
| Bukit Merah (Alexandra Post Office Site) | 490 | 3-Room 4-Room |
| Bukit Merah (Tanglin Road Project) | 590 | 2-Room Flexi 3-Room 4-Room |
| Toa Payoh | 720 | 2-Room Flexi 3-Room 4-Room |
| Clementi | 750 | 2-Room Flexi 3-Room 4-Room |
| Sembawang | 750 | 2-Room Flexi 3-Room 4-Room 5-Room 3-Gen |
| Bukit Panjang | 620 | 2-Room Flexi 3-Room 4-Room 5-Room |
| Total units: 5,430 | ||
For mid-level managers and investors considering HDB flats as part of their portfolio:
The February 2025 BTO rollout offers diverse housing options tailored to different needs and budgets.
With shorter waiting times, enhanced grants, and new classifications like Plus and Prime flats, Singaporean professionals have more opportunities than ever to secure their dream homes.
Whether you're starting a family or planning your next investment move, these actionable steps will help you make informed decisions. Don’t miss out — start preparing today!
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