Understanding HDB BTO in Singapore: Your Guide to New Flats For many Singaporeans, the HDB BTO scheme represents an important opportunity to own a home affordably. Run by the Housing & Development Board (HDB), the BTO process involves launching new flat projects based on demand levels. The application process requires https://hdb-bto-27-5401100.blogpixi.com/36064629/hdb-bto-27-54