
HDB
How to Buy an HDB BTO Flat in 2026: HFE, Ballot and Keys
Buying an HDB BTO flat in 2026, step by step: eligibility, HFE letter, ballot chances, Standard/Plus/Prime, option fee, downpayment and tips.

Buying an HDB BTO flat in 2026, step by step: eligibility, HFE letter, ballot chances, Standard/Plus/Prime, option fee, downpayment and tips.

My first foray into the property market was via the most common route – the HDB flat. There weren’t any HDB grants during my time and we couldn’t afford one…