Singapore’s HDB BTO Scheme: A Pathway to Affordable Homeownership 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 https://elliotznyjt.thechapblog.com/34903007/hdb-bto-27-54