# BTO & HDB buying guides

In-depth, source-linked guides to Singapore BTO application rates, queue number drop-off odds, upfront cash requirements and HDB-to-bank loan refinancing.

- [How to read BTO application rates](https://btoradar.com/guides/bto-application-rates): Understand HDB BTO application rates with a June 2026 chart, hypothetical ballot examples, source-linked data and a downloadable five-pool CSV.
- [BTO queue numbers & the 40% drop-off rate explained](https://btoradar.com/guides/bto-queue-number-dropoff-rate): How HDB BTO queue numbers work past 100% of flat supply: the ~40% applicant drop-off rate, invitation reach table and non-selection penalties.
- [How much cash you actually need for a 4-room HDB flat (BTO vs resale)](https://btoradar.com/guides/cash-needed-for-4-room-hdb): Itemised upfront cash needed to buy a 4-room HDB BTO ($420k) vs resale flat ($600k) in Singapore across HDB loan and bank loan scenarios.
- [Switching from an HDB loan to a bank loan: savings, costs & the one-way rule](https://btoradar.com/guides/refinance-hdb-loan-to-bank-loan): Complete guide to refinancing an HDB 2.6% housing loan to a Singapore bank loan: monthly savings by loan size, break-even months and irreversible rules.
- [BTO for singles (2-room Flexi): Standard, Plus & Prime rules, rates and odds](https://btoradar.com/guides/bto-for-singles-2-room-flexi-odds): Singapore BTO guide for singles aged 35+: February and June 2026 2-room Flexi singles application rates (4.0 to 117.5), EHG (Singles) up to $60,000 and ballot odds.
- [HDB Community Care Apartments (CCA) BTO guide: eligibility, leases & care package](https://btoradar.com/guides/community-care-apartments-bto): Complete guide to Singapore HDB Community Care Apartments (CCA): age 55+ eligibility, $16,000 income ceiling, 15 to 45-year leases, Basic Service Package and tracked CCA BTO projects.