BTO 2nd Appointment - Sign Agreement for Lease 🏠

hey zesties! 🍋

We’re back to HDB Hub for our second appointment to sign our agreement for lease hehe ✍️

1️⃣ Here are the required items to bring on the day of signing agreement for lease (second appointment):

📌 𝐓𝐡𝐢𝐧𝐠𝐬 𝐭𝐨 𝐛𝐫𝐢𝐧𝐠

• Identity Card of applicants

• Applicants' Singpass and 2FA methods (Singpass mobile app / SMS 2FA)

❗️if you’re required to pay the balance after deducting CPF, do remember to bring your NETS/debit card!

2️⃣ Here are the procedures on the day of signing agreement for lease (second appointment):

𝟏. 𝐓𝐚𝐤𝐞 𝐪𝐮𝐞𝐮𝐞 𝐧𝐮𝐦𝐛𝐞𝐫 𝐟𝐫𝐨𝐦 𝐬𝐞𝐥𝐟-𝐤𝐢𝐨𝐬𝐤 𝐦𝐚𝐜𝐡𝐢𝐧𝐞 🔢

We took our queue number from self-kiosk machine at 2:09pm! There are multiple TVs to show you the queue numbers to be called out.

𝟐. 𝐇𝐞𝐚𝐝 𝐭𝐨 𝐭𝐡𝐞 𝐚𝐬𝐬𝐢𝐠𝐧𝐞𝐝 𝐜𝐨𝐮𝐧𝐭𝐞𝐫 🛂

At 2:16pm, our queue number is called! On the screen, it showed:

✨ Now Serving: AG495

✨ Counter / Level: 118 / L1

Next, we head into the counter and was assisted by a Customer Relations Executive. He talked us through on the documents required to sign.

𝟑. 𝐒𝐢𝐠𝐧 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐫𝐞𝐪𝐮𝐢𝐫𝐞𝐝 𝐝𝐨𝐜𝐮𝐦𝐞𝐧𝐭𝐬 ✍️

The documents to sign are stated below:

✨ Option on Manner of Holding of Flat

- Applicants indicate whether they wish to hold the flat under joint tenancy or tenancy in common.

✨ CPF Payment Document (via SingPass)

- Customer Relations Executive will ask the couple the percentage to split between the couple to pay the 5% downpayment using CPF OA (e.g. 50-50, 60-40) before logging in to SingPass to approve the document

✨ The Lease

- It sets out the lease terms of the HDB flat.

✨ The Memorandum of Lease

- It sets out the additional general lease administration terms of the HDB flat.

✨ The Agreement for Lease

- It sets out the sale terms of the HDB flat for buying a flat.

𝟒. 𝐂𝐨𝐥𝐥𝐞𝐜𝐭 𝐲𝐨𝐮𝐫 𝐝𝐨𝐜𝐮𝐦𝐞𝐧𝐭𝐬 𝐢𝐧𝐬𝐢𝐝𝐞 𝐚𝐧 𝐞𝐧𝐯𝐞𝐥𝐨𝐩𝐞 💌

The documents you will receive are:

✨ Agreement Order

✨ The Memorandum of Lease

𝟓. 𝐓𝐚𝐤𝐞 𝐦𝐚𝐧𝐝𝐚𝐭𝐨𝐫𝐲 𝐩𝐡𝐨𝐭𝐨 📸

The whole process took us 11mins as we do not need to pay any cash! Lastly, we took some pics with our HDB envelope!! 🤩

5% down, 95% more to go 😌

𝐑𝐞𝐥𝐚𝐭𝐞𝐝 𝐩𝐨𝐬𝐭(𝐬):

BTO First Appointment - Unit Selection 🏠

BTO Appointment Date & Site Recce 🏠

We tried BTO and SBF in 2024 🗳️🏠

#MyPOV #MyFreeTime #RealTalk #WhyILemon8 #bto

Housing & Development Board
2/27 Edited to

... Read moreWhen preparing for your BTO second appointment to sign the agreement for lease, it’s important to be as prepared as possible to avoid last-minute hiccups. Besides bringing your identity cards and Singpass with 2FA, make sure your payment method, such as NETS or debit card, is ready if you need to pay the balance after CPF deductions. Taking a queue number from the self-service kiosk is a straightforward step, but arriving early helps you pick a good timing slot since the counters operate on a first-come, first-served basis. Keep an eye on the queue numbers displayed on the TVs so you won’t miss your turn. At the counter, a Customer Relations Executive will guide you through signing key documents. These include the lease options where you decide if you want joint tenancy or tenancy in common, as well as the CPF payment split if you’re applying as a couple. Don’t hesitate to ask the executive to clarify any terms; understanding each document ensures you’re fully informed. After signing, you’ll receive an envelope containing all your signed documents like the Agreement Order and the Memorandum of Lease. Don’t forget the mandatory photo—it’s part of the process and a fun way to commemorate this milestone! The entire process is surprisingly quick, taking me just about 11 minutes as no cash payment was needed. Planning ahead and knowing what to expect really helped me stay calm and focused. If you’re about to attend your second appointment, hopefully, these tips will help your visit go just as smoothly!

2 comments

shishagirl28's images
shishagirl28

Being happy for strangers online is my new found hobby! congratulations 🤩✨

See more(1)

Related posts

BTO signing agreement for lease 🏡📝
From dreaming together to signing it into reality. Every sacrifice, every late night, every prayer led us here. So proud of us for slowly building this life side by side 🥰
Shasha

Shasha

24 likes

BTO @ 22 & 26y/o, paid $0 for our BTO downpayment🤭
[UPDATE] seems like our strategy for high grant, high loan does not work anymore as the rules have changed!! pls read up on ur own to find out the latest HDB policies. —— my bf & I had been together for 2.5 years (& living tgt for the 2.5 years) and my bf joked that we should BTO & I
maika

maika

1187 likes

🏡journey to our home - 1. SBF flat selection!
long post incoming !! just sharing my experience and some observations/tips to hopefully help other couples out there planning on getting their bto/sbf soon🤗🏡 firstly, the biggest dilemma: #BTO or #SBF ?! 💭my thoughts: - if you have the time to wait and want to save some money, go for BTO
jsmxx.97

jsmxx.97

23 likes

BTO So Hard to Get or Just Me? 😂 HDB BTO Journey
Seeing is believing 🤍 (update as of 3 May 2026 If you focus on me applying on Prime areas, how about looking at those times I applied for non prime areas??? Also back then non mature areas are heavily oversubscribed as well.) Did you know I tried to apply for BTO since 2015… and failed again an
4 Room HDB 🏡🏙️

4 Room HDB 🏡🏙️

54 likes

GUIDE TO BTO Application: PR and Self-employed
CONFUSED ABOUT WHAT TO DO FOR YOUR BTO? Too many steps? We got you. We’ve seen and experienced the worst of it so far. So here’s your older sis to help you! It’s been a painful journey to buy our house, but we’re thankful for ALL the help we’ve gotten, especially from @oiiexuanyu! OTHER POSTS
TEACHERS ESTATE 📍

TEACHERS ESTATE 📍

7 likes

🏠 Our BTO Shortfall: $318K to Save in 3 Years 💸
Hello zesties 🍋 Before I start… my partner and I already knew from the beginning that getting our BTO wasn’t going to be cheap 💸 but I didn’t expect the shortfall to be this high, about $318K ready in 3 years (CPF + cash)!! So I wanted to share our experience in case it helps anyone who’s planni
CozyRatHole

CozyRatHole

215 likes

chose our BTO unit with a GOD TIER EXCELSHEET 🤯
Me and my bf managed to get a queue number on our first try and him being a super organised person….he created this INTERACTIVE excel sheet and I was IMPRESSED. 🫶🏻 what can this interactive excel sheet do? 1. 𝗖𝘂𝘀𝘁𝗼𝗺𝗶𝘀𝗲𝗱 𝗽𝗿𝗶𝗼𝗿𝗶𝘁𝗶𝗲𝘀 ✍🏻 Everyone has their own opinions on which factor of their d
Beryl Ong

Beryl Ong

898 likes

🏠HDB | Signing of Lease Agreement
Hello 👋 I’m back with another update on our BTO journey! Today’s chapter is all about signing the Lease Agreement — basically the part where you confirm your flat, settle the payment, and get one BIG step closer to becoming homeowners 😭💗 📩 1. The SMS Notification You’ll receive an SMS from HD
raachel

raachel

15 likes

BTO at 21!
hello! im back :) this time with a bto update. my partner and i applied for this around May 2025. we managed to get it on our first try!!! we got a decent number too! (6x out of 188) SUPER LUCKY 🍀 we just completed our flat selection recently (jan 2026) and we got the unit we wanted (sadly coul
justagirlwithbigdreams

justagirlwithbigdreams

164 likes

BTO at 21 & 24😍
Hello everyoneee!! my fiancé and i applied for the October 2024 BTO when he was 23 and i was 19(turning 20)! Went to select our unit during april 2025!! This was our first try and though our queue number exceeded, we were lucky enough to be able to select a unit 🥹🫶🏻 our project will be done by 2027
Ervinna💖

Ervinna💖

133 likes

Buyer’s Stamp Duty Explained in 60 Seconds
Your first big BTO payment isn’t just the downpayment 😨 It also includes something called buyer’s stamp duty — and it’s not small. Here’s what you need to know: 📜 When to pay: At the Agreement for Lease stage, together with your downpayment and legal fees 💸 How much: Largely dependent on hou
CozyRatHole

CozyRatHole

78 likes

BTO APPOINTMENT DATE & SITE RECCE 🏠
hey zesties! 🍋 So recently we received our BTO appointment date!! Upon receiving the good news, I informed my boss to take a half day PM leave and my leave was granted! 🤩 Here’s the breakdown of my timeline upon receiving my BTO appointment date: 𝟏𝟑 𝐌𝐚𝐫𝐜𝐡 𝟐𝟓 • Received our BTO appointmen
Bernard Yee

Bernard Yee

37 likes

See more