Getting your HDB BTO flat is a massive leap into maturity. Well, it’s not a leap per se; you’ll have to take several tiny steps towards your goal, analysing options and dealing with bureaucracy. Along with buying a home, you’ll need to manage the costs for a home renovation using a renovation loan or with your savings. It’s kind of like an ancient rite of passage, but with more documents and less dancing (or blood). So, roll up your sleeves, ...

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