How about mentioning divorce(e)? I just got divorced and towing along two children, have to sell joint private flat and no source of income as have been housewife since married more than 20 years ago and children still studying. I can’t sell private (because I can’t afford anymore and it’s in joint named with ex anyway) and then apply BTO? Can only buy another private or reaale HDB which cost higher and higher. How are divorced people who take children taken care of by government?