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. The application process requires interested individuals or families to submit https://johnathanstrnj.actoblog.com/39354588/hdb-bto-27-54