For any Singaporean man who’s gone through NS, applying for a BTO or balance flat feels like a hard-earned right.

I mean, where else are you going to find such affordable housing in this tiny red dot of a country?

In this step-by-step guide, we’ll take you through the exact procedure to ballot for an HDB flat – whether you’re doing so as a single citizen, a citizen married to a PR/non-citizen, or perhaps with your siblings. Continue reading →