7 Essential Steps to BTO Key Collection

Collecting the keys to your Built-To-Order (BTO) flat is an exciting milestone, marking the beginning of homeownership. However, the process involves several crucial steps that require attention to detail. This guide walks you through everything you need to know about the BTO key collection process in Singapore.

Step 1: HDB Notification and Appointment Scheduling

After a long wait, you will receive an SMS or email from the Housing and Development Board (HDB) informing you that your flat is ready. This message includes an invitation to book an appointment to collect your keys.

To schedule your appointment:

Log in to My HDBPage on the HDB website.
Select an available date and time slot that suits you.
Ensure all applicants (owners) are present during key collection.

Step 2: Financial and Legal Preparations

Before collecting your keys, you must complete certain financial and legal requirements:

Finalizing Home Loan Arrangements

If taking an HDB loan, ensure you have signed the relevant documents and completed all necessary payments.
For a bank loan, your lawyer will handle loan disbursement. Ensure you have paid the required down payment and legal fees.

Payment of Fees

Before key collection, you must clear several fees, including:

Stamp Duty: Typically 3% of the purchase price minus $5,400.
Legal Fees: Varies based on loan type and property price.
Conveyancing Fees: Paid to either HDB or your appointed lawyer.
Home Protection Scheme (HPS): Mandatory insurance if using CPF to service your home loan.

Step 3: Key Collection Appointment at HDB Hub

On the day of your appointment, bring the following documents:

✅ NRIC of all owners
✅ Loan documents (if applicable)
✅ Payment receipts for legal and administrative fees
✅ Marriage certificate (if applying under the Fiancé/Fiancée Scheme)

During the appointment, an HDB officer will guide you through:

Signing the Agreement for Lease (if not done earlier).
Receiving your keys and floor plan.
Understanding defects rectification procedures.

Step 4: Inspecting Your BTO Flat for Defects

Before moving in or starting renovations, thoroughly inspect your flat for defects. Common issues include:

❌ Uneven flooring
❌ Cracked tiles
❌ Water seepage
❌ Defective window or door hinges

To report defects:

Submit a Defects Feedback Form via My HDBPage within 7 days.
HDB will assign a contractor to rectify the issues within 14–30 days.
Verify and approve the repairs upon completion.

Step 5: Applying for Utilities and Internet Services

Before moving in, activate essential services:

1. SP Services (Water and Electricity)

Apply via the SP Services website.
A refundable security deposit is required.
Choose between an Open Electricity Market (OEM) retailer or SP Group.

2. Internet and TV Services

Choose an internet service provider (Singtel, StarHub, M1, MyRepublic, etc.).
Schedule installation after your renovations are completed.

Step 6: Renovation Planning and Permit Applications

If you plan to renovate your flat, ensure your contractor complies with HDB’s renovation guidelines:

Structural modifications require HDB approval.
Hacking of walls and flooring has restrictions.
Work can only be done during approved hours (Monday to Saturday, 9 AM to 6 PM).

An experienced interior design firm will be able to handle everything for you, ensuring compliance, peace of mind, and a seamless renovation process. To understand whether you should hire an interior designer or a contractor, check out our article on Interior Designer vs Contractor.

Step 7: Moving In and Making Your House a Home

After renovations, it’s time to move in and personalize your BTO flat:

Hire reliable movers and plan your move efficiently.
Arrange furniture and appliances for an optimal layout.
Add decor and lighting to create a warm and inviting atmosphere.

For expert interior design and space planning, visit us at Renologist. Our team offers tailored solutions - from selecting the perfect color palette to maximizing functionality - that truly makes your home a dream home.

In conclusion, BTO key collection is an exciting yet detailed process. By following these steps, you can transition smoothly into your new home. Stay organized, complete the necessary paperwork, and enjoy your journey as a homeowner!

Posted on Apr 6, 2025, updated 7 months ago.