I am currently 1 year into my first job and planning to propose by next year and get married in 2-3 years time. However, our BTO application have not been successful. What should I do? - Seedly
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Anonymous

Asked 4w ago

I am currently 1 year into my first job and planning to propose by next year and get married in 2-3 years time. However, our BTO application have not been successful. What should I do?

If it succeed in the upcoming Aug application, it is definitely on our timeline. If it continues to fail, this mean that our BTO will come after we're married. This also means that me and my fiancée will have to stay in our individual house.

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CH
CH
Level 7. Grand Master
Answered 4w ago

Stay separate,

stay together with parents,

stay together with in laws,

rent a room,

rent a flat,

sales of balance,

visit MP,

go HDB centre bang table.

ok, the last one is just a joke.

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Malvin Tan WP
Malvin Tan WP
Level 5. Genius
Answered 2w ago

Theres a chinese saying no matter how much you plan, the plan cant keep up with the changes. I myself got married this year and i believe i can speak the voices of the many couples who planned to get married this year as well, everyone had to throw their plans out of the window when covid-19 and the ensuing cirbuit breaker began for an uncertain period of time. who knew how many more weeks would CB be extended? Have a timeline but be flexible because at the end i believe your relationship should grow stronger from experiencing the obstacles life throws at you two together. Enjoy the journey!

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Go towards an SBF route. If you give up applying for BTO, getting a resale might be better as you will avoid needing to pay rent while you wait for your BTO. Save time through resale, save money through BTO.

If you need a guideline for a home budget calculator, you can use one here:

https://www.aaronleow.com/max-cpf-home-loan

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My suggestions i to look at other options such as Sales of Balance Flat (SBF) and resales flat. It offers shorter waiting time and a wider range of locations. Also, for resales, there are more grants available such as proximity to help you lower your purchase price.

Personally, I was in the same dilemma a year ago. Thankfully I managed to get a house in last year Nov after going for SBF. This was within a year from application.

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