In bustling Singapore, where homeownership is a significant milestone for young couples, securing a Build-To-Order (BTO) flat is often celebrated as one of life’s happiest moments. However, when relationships turn sour, especially after making such commitments, individuals may find themselves lost and confused about the next steps.

This was the predicament faced by a woman who recently took to Reddit seeking advice after her breakup. After six long years together, she found herself in heartbreak when her boyfriend cheated, leading her to question how their BTO application would be affected. The couple had selected a flat and paid the option fee of S$2,000 but had not yet made any down payment or received the government grant in their Central Provident Fund (CPF).

After learning of her partner's infidelity from an Instagram message, she was determined to disentangle herself from any further obligations or communication related to the flat. The woman sought clarity on whether she and her ex would need to go to the Housing and Development Board (HDB) together to cancel their application, fearing that engaging with him could lead to unnecessary interaction.

Commenters on her post offered helpful insights. One advised her to visit the HDB website to cancel their application, while another informed her that since they had not yet signed the Sales and Purchase Agreement, they would lose the S$2,000 option fee. When a couple forfeits their BTO application, they also face a one-year ban from applying again, effectively losing their priority status for future applications.

Experts and fellow users reassured her that her situation was not uncommon and suggested viewing the forfeited fee as a necessary cost to avoid a toxic relationship. “Consider it $2,000 well spent to escape a potential nightmare,” one commenter remarked, underscoring the importance of prioritizing mental and emotional well-being.

For those in similar situations, it’s crucial to remember that while the financial loss is unfortunate, it could ultimately pave the way for a healthier future. Navigating the aftermath of a breakup can be challenging, especially when it involves decisions about shared properties or financial commitments. However, prioritizing self-care and making informed choices can lead to brighter prospects ahead, free from the shadows of the past. If you find yourself in this position, don't hesitate to seek advice from trusted friends, online forums, or professionals who can guide you through the complexities of relationship endings and property decisions.