The Housing & Development Board (HDB) has announced the launch of its July 2025 Build-To-Order (BTO) sales exercise, introducing 5,547 flats across seven towns in Singapore. This marks the second BTO launch of the year and includes a significant policy change allowing couples to defer income assessment for housing loans until key collection. This change is expected to enable more couples to qualify for higher loan amounts, potentially opting for larger or more expensive flats.
The BTO exercise features eight new projects in Bukit Merah, Bukit Panjang, Clementi, Sembawang, Tampines, Toa Payoh, and Woodlands. Notably, 2,171 of these flats will have shorter waiting periods of three years or less, with Clementi, Bukit Panjang, and Sembawang among the locations offering these expedited options. Christine Sun, Chief Researcher & Strategist at Realion Group, anticipates that Clementi Emerald will be particularly popular due to its prime location and reduced construction time.
In addition to the BTO launch, the Sale of Balance Flats (SBF) exercise will offer 4,662 flats, adding to the 5,590 units released earlier this year. This brings the total SBF flats available in 2025 to over 10,000, the highest annual supply on record since 2016. The increased availability of SBF flats is expected to heighten competition in the resale market, potentially stabilising price growth.
Among the BTO projects, Toa Payoh Ascent is predicted to attract strong demand due to its proximity to MRT stations and prestigious schools. Meanwhile, Woodlands North Grove is expected to be popular for its future connectivity to Johor Bahru, Malaysia, via the upcoming Rapid Transit System link.
As the BTO and SBF exercises continue to evolve, these developments are set to impact Singapore’s housing landscape significantly, offering more options and flexibility for potential homeowners.
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