HDB BTO Explained: What Singaporeans Need to Know For many Singaporeans, the HDB BTO scheme represents an important opportunity to own a home affordably. Introduced by the Housing & Development Board, the BTO system allows eligible applicants to apply for new flats that are built only when there is sufficient https://hdb-bto-27-5433322.blogminds.com/hdb-bto-27-54-32838720