Personal Finance
A Complete Guide to HDB Sale of Balance Flats in Singapore (2023)
By ValueChampion  •  November 10, 2023
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If the long wait to acquire a BTO flat in Singapore is putting a toll on your home ownership plan, exploring Sale of Balance Flats (SBF) sale exercises may offer just as good alternatives. These exercises happen twice a year for eligible new flat applicants to apply for balance flats from previous BTO launches, surplus Selective En Bloc Redevelopment Scheme (SERS) replacement flats and repurchased flats. A Sale of Balance flats exercise in Singapore may not be as popular as BTO launches but it offers a wide range of HDB flat types and often get very high subscription rates from cost-conscious homebuyers. A quick look at the number of applications received for three-room and bigger flats in June this year may offer a glimpse into how well-received these flats are:

Related: Sale of Balance Flats vs Open Booking Flats, vs BTO Flats vs Resale Flats

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By ValueChampion
We distill sprawling marketplaces—for insurance, credit cards, bank accounts, and more—down to choices that represent a sweet spot for value—as in offering the features, returns, or experience we think you need for the smallest outlay. We ask: Is the return on a particular purchase or decision worth the cost or risk of that option, and how does the choice stack up against other options?
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