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. Run by the Housing & Development Board (HDB), the BTO process involves launching new flat projects based on demand levels. To apply for a BTO https://hdb-bto-27-5470245.mybuzzblog.com/18659320/hdb-bto-27-54