I’m in working as a full time however my boyfriend just started polytechnic. We’d like to BTO and our parents will only be helping us out with down payment. Is this a wise decision?

Are you two able to afford the monthly repayments? be very thankful they are willing to help you with it

I think if you are going to BTO actually the downpayment shouldn't be a the cause of concern as the new hdb grants in most cases can cover the downpayment. e.g A is full time and B is no salary, grants can be up to 80k depending on household income. even if u get a 40k grant with a 400k hse, thats the downpayment settled. You should be saving up for things like legal fees, buyer stamp etc. i dont think you should have your parents assist with any $$ for housing as it will get messy and it may or may not be a breeding ground for arguments in the future.