HDB BTO Explained: What Singaporeans Need to Know 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, family nucleus https://hdbbto275477655.blogminds.com/hdb-bto-27-54-32837349