HDB BTO Explained: What Singaporeans Need to Know For many Singaporeans, the HDB BTO scheme represents an important opportunity to own a home affordably. Managed by HDB, the BTO flats are launched periodically, and buyers apply before construction begins. To apply for a BTO flat, applicants must be Singapore citizens, https://jaidenxmwim.blogofchange.com/39358907/hdb-bto-27-54