BTO vs Resale. The classic debate which dominates conversations among the millennial group gatherings these days. There is no clear winner. Both the BTOs and Resale flats are equally meritorious in their right and the decision to go with either is often subjected to a couple’s timeframe and financial ability on which they can afford. My partner and I have been together for awhile and are interested to take our relationship to the next level, by getting a place to live together. Sadly, our participation in the Great Singapore HDB BTO Lottery has been rewarded with a certificate of participation and we have not been successful in our tries thus far. Hoping that 2021, the year of the Ox, will be OX-picious for us and we will get a place by 2023 either via Sale of Balance (SBF) or the Resale market. I wrote my thoughts below on the...