There are several factors that will influence the actual cost of buying a studio apartment. Singapore enforces different rules for families and single individuals, particularly for those who plan to buy a Housing & Development Board (HDB) flat. Aside from marital status, the price of buying your first apartment will depend on your income and the type of property. Some of the common types of apartments include mature and non-mature build-to-order (BTO) flats, Design, Build and Sell Scheme (DBSS) flats, and Executive Condominiums (EC). The HDB offers 99-year leasing deals for these properties.