Unfortunately, the past year and a half or so have not been kind to Housing and Development Board (HDB) Build to Order (BTO) flat buyers. Numerous BTO projects have been delayed for a year or more as the whole construction sector has been hit hard by the COVID-19 pandemic. If you have been affected by the delays, I feel you. Having to put your life plans on hold due to the prolonged waiting time must be pretty worrying. But here is some good news. Source: Giphy The Ministry of National Development (MND) has recently announced that you can actually write in and appeal to HDB to cancel your BTO flat booking without penalty if you have been affected by the BTO delays. This is subject to HDB’s approval based on an assessment of the flat buyers’ specific circumstances,. But should you? Here is what you need to carefully consider....