The Top 2 Things You Need To Know Before Booking Your BTO Flat

Our Ultimate Property Guide to Selling, Buying, Renting, Renovating a Home would not be complete without a guide for buying a Build-To-Order (BTO) flat, but because it’s already covered so widely, we thought we’d make it simpler for you. We’ve compiled the top 3 things you need to know before you book a BTO flat — a sort of checklist that you can refer to at any time.

#1: Option fee

The Option Fee ranges from S$500-S$2,000, depending on the flat type you would like to book. This fee will count into your down payment. This option fee is paid before HDB grants you the Option to Purchase.

#2: Documents needed

If you are booking as a single applicant, the process will be much simpler, as you would only need to submit one set of documents. If you’re co-signing, however, you’ll need documents for all parties. You may submit these documents via the MyDoc@HDB portal. If you’re unable to submit your documents online, bring them along to your flat booking appointment. Here are the documents you’ll need:

For identification purposes

• Identity cards (ICs) of all listed applicants and occupants.
• Verify your digital IC via the Singpass app if you’re employed or serving National Service.
• Passport for non-citizens
• Your children’s birth certificates

Relationship verification

If you’re buying a flat under the Multi-Generation Priority Scheme or Married Child Priority Scheme, you will need:

• Your birth certificate
• Parents’ marriage certificate
• Your marriage certificate if you’re married OR divorce certificate if you’re divorced
• Your spouse’s death certificate if your spouse is deceased
• If you applied for a flat under the Parenthood Priority Scheme, you’ll need either a doctor’s certificate verifying your pregnancy or your child’s birth certificate.

Note: ICs, birth or death certificates can be physical or digital copies.

Proof of income

Depending on your type of employment, there are different documents to submit.

Income/allowance that will not be considered for income assessment include:

• Alimony payments
• Bonuses
• Director’s fee
• Income from overtime work
• Interest from deposit accounts
• National Service allowance
• Rental income
• Overseas scholarship allowance
• Overseas cost of living allowance

• Pension

If you’re also in the market for a resale HDB flat, we’re here for you!

You can browse hundreds of HDB listings for sale on Ohmyhome here. Or you can let our smart data-matching technology MATCH you with the right home, according to your specific needs. Submit your preferences to us and our algorithm will filter all our available listings based on those, and we’ll WhatsApp them to you once we find a match.

We’ll also send you relevant content that you can use for your research and inform your home buying decision, so you no longer have to spend hours searching online for the information that you need. Because at Ohmyhome, we’re always by your side, always on your side.