Most people know that when an application for a Build-to-Order (BTO) or a Sale of Balance Flat (SBF) is submitted, it goes to a ballot to determine a queue number. But, depending on whether you’re a first-timer or a second-timer, it might be more difficult for you to get a flat because of HDB’s predefined allocation percentages.
Other factors and criteria, such as whether the flat is located in a non-mature estate, also come into play. Here’s the rundown on the allocation of BTO and SBF flats in every sales exercise to help you understand your chances of getting a flat and plan ahead.
BTO – For 2-room Flexi flats:
In non-mature estates:
• 40% of the flat supply or 100 units in a project, whichever is higher, for senior applicants aged 55 and above
• 20% of the remaining non-senior flat supply for first-timer applicants
• 30% of the remaining non-senior flat supply for second-timer applicants
• 50% of the remaining non-senior flat supply for first-timer singles
In mature estates:
• 40% of the flat supply or 100 units in a project, whichever is higher, for senior applicants aged 55 and above
• 95% of the remaining non-senior flat supply for first-timer applicants
• 5% of the remaining non-senior flat supply for second-timer applicants
[Related article: HDB’s new Community Care Apartments vs Two-room Flexi Flats: Which is better?]
BTO – For 3-room flats:
In non-mature estates:
• 70% of the flat supply for first-timer applicants
• 30% of the flat supply for second-timer applicants
In mature estates:
• 95% of the flat supply for first-timer applicants
• 5% of the flat supply for second-timer applicants
BTO – For 4-room or larger flats:
In non-mature estates:
• 85% of the flat supply for first-timer applicants
• 15% of the flat supply for second-timer applicants
In mature estates:
• 95% of the flat supply for first-timer applicants
• 5% of the flat supply for second-timer applicants
For BTO projects with shorter waiting time:
• 95% of the flat supply for first-timer applicants
• 5% of the flat supply for second-timer applicants
Couples, want to find out abour housing grants? Check out: Quick Guide to BTO and Resale HDB Grants for Couples [2021 Edition]
The flat supply llocation differs slightly for Sale of Balance Flats (SBF):
SBF – For 2-room Flexi flats:
In non-mature estates:
• 40% of the flat supply for senior applicants aged 55 and above
• 90% of the remaining non-senior flat supply for first-timer applicants (100% of flat supply if fewer than 34 units)
• 5% of the remaining non-senior flat supply for second-timer applicants (deprioritised* if flat supply fewer than 34 units)
• 5% of the remaining non-senior flat supply for first-timer singles (deprioritised if flat supply fewer than 34 units)
*Meaning that seniors and first-timer families will be shortlisted within 100% of the flat supply and thereafter, there may be second-timer families and first-timer singles shortlisted depending on the ballot.
In mature estates:
• 40% of the flat supply for senior applicants aged 55 and above
• 95% of the remaining non-senior flat supply for first-timer applicants
• 5% of the remaining non-senior flat supply for second-timer applicants
SBF – For 3-room and larger flats:
In both non-mature and mature estates:
• 95% of the remaining non-senior flat supply for first-timer applicants (100% of flat supply if fewer than 20 units)
• 5% of the remaining non-senior flat supply for second-timer applicants (deprioritised if flat supply fewer than 20 units)
According to HDB, the above allocation percentages for BTO and SBF flats are indicative and some flats may additionally be set aside for quota-based priority schemes. All said and done, it’s generally more difficult for second-timer BTO applicants to secure a flat in a mature estate and in a non-mature estate.
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