There are several aspects to consider when getting your first HDB flat (whether BTO or resale) and the activities listed below are by no means exhaustive:

Choosing a HDB BTO or Resale flat How to choose your HDB unit Getting a HDB loan or a bank loan Opting in or out of CPF Home Protection Scheme Working with an interior designer you can trust to renovate your unit

However, one of the least thought about considerations is the manner of the home ownership. Ironically, its consequences (mainly financial) could be more severe than any of those considerations listed above. It was only in 2020 that Heartland Boy learnt about the possibility of adopting a Single Owner and Essential Occupier scheme for a BTO HDB flat. This is one of the manner of holdings that has little public awareness but with potentially significant monetary advantages for a couple.  In this