Having dated my partner for 4 years and knowing that he’s the one I want to spend the rest of my life with, the natural step is to purchase a flat together.

I thought purchasing a flat was going to be easy and smooth – apply and you’ll get it. Haha, I probably thought I was very lucky. But I was so wrong. It’s all about the timing and luck – whether there are estates you like and whether you’ll get a unit based on your ballot number. I’ve applied for 2 rounds of BTO since 2015 but were unsuccessful because they were mature estates.

Location is very important to me. So does the thousands who think so. Honestly, getting a flat now would feel like striking lottery. And, I’ve only won $10 from TOTO once.

So in the latest round of BTO/SOBF, I’ve made my 3rd try and submitted …