hello ladies and gentlemans, M a noobie here.. some frustration to let go I'm already a flat owner co-owning a 4 rm flat with my parents (wif 1st time HDB concessionary loan) and with the thoughts of tying knots with my spore PR gf, stay wif parent + my sliblings, which therefore need a bigger space. With such a heavy family commitment and not being able to afford red hot resale COV, my only route is to get my 2nd HDB concessionary loan opting under the condition to upgrade to a bigger flat size. But hor, been monitoring recent HDB BTO's and it seem like my plan of getting a bigger roof seem to b on hold. So, wonder if HDB ever built 5 rms BTO's? Some may suggest i shld apply under HDB balloting exercise (which i did in jan) but was told that: - im not eligible for Married Child Priority (MCP) as i m still single - not eligible for fiancee scheme as my gf is jus a spore PR - not eligible for new flat if apply under my name n wife-to-be, cos again shes a spore PR. Only resales However, as mentioned earlier, i still proceed with my parents in applying during recent jan balloting exercise knowing the fact that my chances r near ZERO. Guess its always our GOVT polices to encourage and preserving filial ties and family bond but we shall (on our own) to bore all e obstacles. But again, i fully understand the needs of 1st timers has to be meet 1st and this is to let go my frustrations. Thats y m here to learn more abt renovations tips to possible redo my small 4 rms for 6 occupiers.