2021 is going to be a year we always remember, because.. we finally bought a house! A BTO flat! Woohoo, we are proud first-time home-owners now! Even the prospect of construction delay (due to cvd) couldn’t dampen our joy. It is such a magical once-in-a-lifetime journey that I wish to document every stages of our journey on this blog, including BTO (Built-to-Order) application, HLE (HDB Loan Eligibility) application, balloting, unit selection, making down payment, collecting keys years later when the BTO is completed, and doing renovation. Maybe, I can create a new series on this blog called “Our BTO Journey“? Yeah, that sounds great. To start off this series, I’d like to share about our thought process on why we decided to choose BTO and not other alternatives. It was not easy coming to this decision, there were visit to bank, meeting with property agent, visit to HDB seminars, hundreds of hours reading through HDB website and...