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. To apply for a BTO flat, applicants must be https://hdb-bto-27-5414789.blogoxo.com/38964660/hdb-bto-27-54