Applying for a BTO may not be as easy as it seems with many couples trying many times and still can’t get the flat they want. BTO stands for Build To Order where the government will launch new flats every 3 months for couples to try their luck in getting one of the units. The November 2016 BTO was especially hot with good areas such as Bedok, Kallang and Bidadari (Toa Payoh). All these locations were right beside the MRT and needless to say, all were oversubscribed with the highest at 9.7 times oversubscribed for Kallang Residences. The results of the BTO were out just last week.

 
Besides the difficulty to get a flat under the BTO scheme, couples still need to wait approximately 3-4 years for the flat to be completed. This seems like a long time and delays marriage plans for any couple. Taking into consideration the …