"Honey, would you like to BTO?"
If that doesn't sound like "Would you marry me?", then I don't know what it sounds like.
There are a lot of posts and guides on how-to apply for a new flat, but not that many on what to consider before you purchase one. I'm going to split all the information I have gathered and summarised, into 2 posts. Hopefully they'll provide a better picture of what to factor in, before you commit to (one of) the biggest purchase in your life. If you do have anything more to share, such as if it's preferable to read everything in a single post or segregating them to help you process better, please feel free to suggest them in the comments below :)
Disclaimer: do note that all information in this post is correct as of Feb 2020; rules / regulations might have been updated since then, so you do have to do your due diligence.
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