To rent or to buy: Rule of 15 revisited.

Reader:
My bf and me are both PR. And the topic of housing is always a big question mark to us.

Both of us is not eligible to buy BTO, unless one of us convert to SC and this option will take longer time (apply SC, BTO...)

We are not married yet, so not eligible to purchase resale HDB flat.

My bf and his brother in law invested in a shoebox apartment in Singapore. So, even if we marry,