Singapore’s HDB BTO Scheme: A Pathway to Affordable Homeownership The HDB BTO scheme is a popular housing option for many Singaporeans looking to buy a new flat at a reasonable price. Introduced by the Housing & Development Board, the BTO system allows eligible applicants to apply for new flats that https://hdb-bto-27-5455443.webbuzzfeed.com/36309212/hdb-bto-27-54