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SBF vs BTO: 5 Reasons Why You Should Buy A Sale of Balance Flat Instead of BTO 

Maelyn Lagman

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Aspiring homeowners are constantly seeking the ideal balance between affordability, location, and a seamless home-buying experience. Many are choosing to skip the BTO rat race and considering a Sale of Balance Flat instead of a BTO. Here are 5 reasons why.

#1: More diverse choices of HDB flats

One of the standout features of HDB’s SBF scheme is the array of choices it offers. Unlike standard BTO launches, SBF exercises comprise flats in various locations across Singapore, including mature estates. This diversity gives you a broader spectrum of housing options so you can find a home that aligns with your preferences and lifestyle that much easier.

#2: Potential for immediate occupation

Many of you may be in a rush to move out of your parents’ home as you start a new life with your partner. With a BTO flat, you’ll have to contend with 5-6 years of waiting for your new home to be built. In contrast, SBF units are typically already under construction or completed, so if you need to relocate urgently, you won’t have to wait long, or at all.

#3: Easier access to CPF Housing Grants

Another important factor you’re most likely considering is affordability. Fortunately, SBF buyers can still qualify for various CPF housing grants, such as the Family Grant or the Enhanced CPF Housing Grant (EHG). These grants can significantly reduce the financial burden you’ll have to shoulder when buying a new home.

#4: No reliance on balloting luck

The unpredictable nature of balloting in BTO launches is often a source of stress. SBF exercises, on the other hand, typically have a lower application rate than BTO launches. This opens up a more straightforward path for you to secure a flat without the uncertainty of the typical BTO lottery. This increased certainty in selection can be a considerable relief if you’re looking to streamline the home-buying process.

#5: Transparent pricing

Pricing transparency is a significant advantage offered by SBF units. Unlike BTO flats, where prices are only revealed at the point of selection, you’ll get to see the prices of SBF units upfront. This transparency will allow you to make decisions based on your budget without the uncertainty of future pricing fluctuations.

As Singapore’s property market continues to evolve, SBF is a practical option if you’re seeking the perfect intersection of convenience, affordability, and choice in your homeownership journey. 

Whether you are a first-time buyer or a seasoned homeowner, exploring the opportunities of getting a Sale of Balance Flat may be the key to getting your dream home at long last.

Find out how to buy a Sale of Balance Flat in 2024


Open to considering a HDB resale flat?

There are many benefits to getting a HDB resale flat as well: While Sale of Balance Flats are offered at various locations, the choice may still be limited to the balance units available. With HDB resale flats, you have the flexibility to choose from a wider range of locations and unit types across the island.

You can search for HDB resale listings on sale on Ohmyhome or…

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