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hey zesties 🍋~
as you may know from my prev post, my boyfriend and i recently secured our future home w BTO! i know a lot of friends who wish to apply for BTO too but are unsure of the exact procedures so I’M HERE TO LAY IT OUT FOR YOU! 😇😇
here’s our exact process and timeline of the BTO application so far 😋 we applied for DEC 2023 BTO btw!
1. Preliminary HFE check
- if fiancee under 21, submit "consent form for marriage for minor" to continue (early Oct) (cleared late Oct)
2. HFE application
- submitted 1 Nov
- approved on 4 Dec
3. BTO application
- Dec BTO
- Ballot Q number released 1 Feb
- Booking exercise expected to start March (started mid-April)
4. Flat Selection (Jun 2024)
- Selected flat
- Paid $2000 Option fee
- Signed relevant documents
5. 5% downpayment (6-9 months, est Jan-Apr 25)
anddd just wait for the flat to be ready! 😇
something very important that we heard from the officer that we feel all under 21 year olds should take note of:
under the deferred income assessment scheme, the applicant MUST be working for at least 1 full year when their income is reassessed. we heard that typically, you will be called upon to prepare your income documents 6 months before key collection, so basically u must be working for at least 1.5 years before your flat’s expected completion date. otherwise, you will NOT be granted any hdb loans / grants 😟 so please please be careful of this!
i hope this helped clarify some things~ feel free to drop any questions you might have and i will TRY my best to answer them 💞💞
#storytime #BTO #sgbto #livewithjo #singapore #homeowner #btoguide