HDB launches 7,964 BTO flats across 6 towns in first exercise under higher income ceilings

The Housing & Development Board (HDB) has launched 7,964 Build-To-Order (BTO) flats across six towns in its November sales exercise, the first since household income ceilings were raised to $16,000 for families and $8,000 for singles.

The flats are spread across seven projects in Bedok, Geylang, Sembawang, Tengah, Toa Payoh and Yishun, comprising three Standard projects, three Plus projects and one Prime project, the Housing Development Board (HDB) said in a media release on Wednesday (Nov 4).

Among them are 1,310 flats at Sembawang Anchor with shorter waiting times of less than three years, while the remaining projects have waiting times of under four years.

Prices start from $131,000 for a two-room Flexi flat at Tengah's Plantation Dew, while eligible first-timer families can receive Enhanced CPF Housing Grants (EHG) of up to $120,000. HDB's illustrative examples show that four-room Standard flats can cost from $232,000 after grants.

Plus and Prime flats will receive additional subsidies but come with stricter resale conditions, including a 10-year Minimum Occupation Period (MOP) and subsidy recovery rates ranging from 8 per cent to 11 per cent, depending on the project.

At Plantation Dew, buyers can also opt for White flats, which feature open-concept layouts without internal partition walls and are priced between $6,000 and $9,000 lower than their standard-layout counterparts, depending on the flat type.

Community Care Apartments now open to seniors aged 55 and above

HDB will offer 256 Community Care Apartments (CCAs) at Toa Payoh Hillside, its sixth CCA project and the first launched since the eligibility age was lowered from 65 to 55.

The change allows more seniors to consider either a Community Care Apartment or a short-lease two-room Flexi flat earlier as part of their retirement housing plans.

This also gives more seniors the option of right-sizing to a home with senior-friendly features and care services.

More than one in three flats in the November launch are two-room Flexi units, which are available across all seven projects, as HDB aims to launch 20,000 such flats between 2026 and 2028 to meet the needs of singles and seniors.

Applicants must have a valid HDB Flat Eligibility (HFE) letter when applying, with those who submitted their applications and all required documents by Sept 25 given priority, while the HFE application e-Service will be temporarily unavailable from Wednesday to Nov 11 and resume on Nov 12.

Applications for the BTO flats are open through the HDB Flat Portal from Wednesday to Nov 11, with applicants allowed to select one flat type in one town and encouraged to monitor application rates.

HDB reminded buyers to plan their finances carefully, taking into account the 75 per cent loan-to-value limit for HDB housing loans.

Affordability, waiting times among home buyers' concerns: Chee

In a Facebook post on Wednesday, National Development Minister Chee Hong Tat said he often hears from young couples during community walkabouts who are excited about getting their first home but have practical concerns about affordability and waiting times, asking: "How soon can they move in and begin their next chapter together?"

He said Singaporeans have different housing priorities, from affordability and living near loved ones to finding homes suited to their needs as they grow older, adding that the Government was working to build more flats across the country and shorten construction times.

Chee also thanked HDB officers for their work and encouraged prospective buyers to explore the different projects to find a home that best suits their needs and budgets.

HDB will launch about 4,300 BTO flats in Bishan, Tampines, Tengah and Toa Payoh in February 2027, alongside a Sale of Balance Flats exercise offering about 5,000 flats.

Prospective applicants are encouraged to submit their HFE applications and supporting documents by Dec 15, 2026, to receive their HFE letters before the sales exercise.

helmy.saat@asiaone.com

新加坡建屋发展局 (HDB) 在 11 月份的销售活动中，在六个市镇推出了 7,964 套预购组屋 (BTO)，这是自家庭收入上限提高到 16,000 新元（家庭）和 8,000 新元（单身人士）以来的首次销售。

建屋发展局（HDB）周三（11月4日）在一份媒体声明中表示，这些组屋分布在勿洛、芽笼、三巴旺、登加、大巴窑和义顺的七个项目中，包括三个标准组屋项目、三个加强组屋项目和一个优质组屋项目。

其中，三巴旺锚地的 1,310 套组屋等待时间较短，不到三年；其余项目的等待时间均不到四年。

在登加种植园露水（Plantation Dew），两房式灵活组屋的起价为131,000新元，而符合条件的首次购房家庭可获得高达120,000新元的增强型公积金购房津贴（EHG）。建屋发展局的示例显示，四房式标准组屋在获得津贴后的价格可能从232,000新元起。

Plus 和 Prime 组屋将获得额外补贴，但转售条件更为严格，包括 10 年最低居住年限 (MOP) 和补贴回收率在 8% 到 11% 之间，具体取决于项目。

在 Plantation Dew，买家还可以选择白色公寓，这种公寓采用开放式布局，没有内部隔墙，价格比标准布局的公寓低 6,000 至 9,000 美元，具体价格取决于公寓类型。

社区护理公寓现已向55岁及以上长者开放。

建屋发展局将在大巴窑山坡提供 256 套社区护理公寓 (CCA)，这是其第六个 CCA 项目，也是自资格年龄从 65 岁降至 55 岁以来推出的第一个 CCA 项目。

这一变化使得更多老年人能够更早地将社区护理公寓或短期租赁的两室灵活公寓纳入他们的退休住房计划中。

这也让更多老年人可以选择入住适合老年人居住的房屋，并享受相应的设施和护理服务。

11 月份推出的组屋中，超过三分之一是两房式灵活组屋，这七个项目均有此类组屋可供选择。建屋发展局的目标是在 2026 年至 2028 年间推出 20,000 套此类组屋，以满足单身人士和老年人的需求。

申请人必须持有有效的建屋发展局组屋资格（HFE）信函才能申请，在9月25日之前提交申请及所有必需文件的申请人将获得优先考虑，而HFE申请电子服务将于周三至11月11日暂时停止服务，并于11月12日恢复服务。

从周三至 11 月 11 日，组屋预购计划 (BTO) 组屋申请可通过建屋发展局 (HDB) 组屋门户网站进行，申请人可在一个市镇选择一种组屋类型，并鼓励关注申请率。

建屋发展局提醒购房者要仔细规划财务，注意建屋发展局房屋贷款的贷款价值比上限为75%。

购房者最关心的问题包括价格承受能力和等待时间：Chee

国家发展部长徐芳达周三在脸书上发帖称，他在社区走访中经常听到年轻夫妇们表达他们对拥有第一套房子的兴奋之情，但同时也对房价和等待时间等实际问题感到担忧，并问道：“他们多久才能搬进去，开始他们人生的新篇章？”

他表示，新加坡人有不同的住房需求，从经济承受能力和与亲人住得近，到随着年龄增长寻找适合自身需求的住房，并补充说，政府正在努力在全国各地建造更多组屋，并缩短建设时间。

Chee 还感谢建屋发展局官员的工作，并鼓励潜在购房者探索不同的项目，找到最符合他们需求和预算的房屋。

建屋发展局将于 2027 年 2 月在碧山、淡滨尼、登加和大巴窑推出约 4300 套预购组屋，同时还将推出约 5000 套剩余组屋的销售活动。

鼓励有意申请者在 2026 年 12 月 15 日前提交 HFE 申请及证明文件，以便在销售活动开始前收到 HFE 信函。

helmy.saat@asiaone.com