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top ten reasons to rejoice for our Dawson flat.

As HY and I experience the Dawson saga, it doesn’t just give us the assurance that God has good plans for us, but also that He has the perfect timing. Hence, the best thing we should do, always, is to trust in His gifts and believe in His timing. I will be detailed in this thanksgiving because I want to give God the full glory. This will be a long entry.

The Dawson BTO (Built-To-Order) project was designed by award-winning architects and centrally located in the Queenstown district. As a result, around 10,000 people applied for it, making it over-subscribed by a few times. We applied for a four-room flat because we know that by 2016, we probably would have just started our own family.

There were 1,102 four-room flats available and our queue number was 1,302, meaning we needed 200 applicants to drop out before we were eligible. However, we actually needed more than 200 applicants to drop out because these 1102 units were divided to meet the ethnicity quota. This basically means that we needed Chinese Singaporeans to drop out if we wanted to smell a chance! Nonetheless, we made it by God’s grace and here are ten reasons why we are still rejoicing and praising God for His providence.

I. Balloting Success. By God’s grace we were successful on our first attempt – quite a miracle considering that there people who have repeatedly applied without success. I remember telling HY that the more we had to depend on “luck”, the more confident I was for God is in control and that we need not depend on our achievements.

II. Right Phase of Relationship. Timing was key in our application. We had arrived at a point in our relationship where we were ready to move on to the next phase of our courtship. We felt that we were ready to progress in our relationship.

III. Additional Housing Grant. Couples with a combined income of less than $5,000 would receive additional housing grant (AHG) of up to $40,000 from HDB. Basically, the lower the combined income, the higher the AHG awarded. This worked out perfect for us because by God’s divine timing, we applied for this when HY was a student without income and when I drew the modest salary of my working life. Any earlier and I’d be on a better income, any later, and we’d have been on a higher combined income. Applications for Dawson opened in that perfect window. HDB actually requested for HY’s CPF statements only up to June 2010 – she began work on 1 July and would therefore have CPF contributions from July onwards! Get it?

IV. Staggered Downpayment. HDB created this payment method to encourage couples to settle down at a younger age. Those below 30 years old have the option to pay their deposit (10% of cost of flat) at two intervals – once at flat selection (now) and the other at keys collection (six years later). And as this is completely paid through CPF, it means that our cash-commitment amounts to zero (not because we have a lot in our CPF, but because of the AHG).

V. Queenstown District. One of the factors that helped us to increase our balloting chances was to be situated near one of our parents. To qualify for this, you’d need to stay within a 2km radius of your parents. Ghim Moh is over 4km from Dawson but because both estates belong to the Queenstown town council, we still qualify.

VI. Breakthrough with HY’s Parents. There was no easy way to ask HY’s parents for their approval and support for this application. We were so scared about this that we actually methodically prepared a detailed six-page FAQ as we tried to speculate the questions they might ask, and we even rehearsed the Q&A! This chat also took place at a time when there was slight tension in the family. It really took courage and a step of faith to present this to them. And their response took us by complete surprise, “Actually you don’t need to ask us because it’s your combined decision… But if you ask us, there’s no issue – this is a good deal – go ahead!” W-O-W!

VII. Centrality. In light of the current skyrocket prices of flats, our Dawson flat actually seems affordable (and almost a steal). It’s a great investment no matter how you look at it. One reason why we were attracted to the place was for its location – a 10-minute commute to almost anywhere (Ghim Moh, Holland Village, the Singapore CBD, Orchard Road, Harbourfront, Chinatown and City Hall), leopard-crawling distance to Grace Assembly of God and walking distance to Queenstown MRT.

VIII. Growth Spurt in Faith. We selected the flat on the fourth day of Grace Retreat. We spent most of the two weeks before our selection appointment refreshing the HDB website, checking how fast our quota was depleting. Our appointment was the second-last of the day and at the time of our selection, we were amongst the final 10 Chinese (i.e 10 more remaining units for the Chinese ethnicity). When we left HDB, there were only five units left. By 10am the next day, the Chinese ethnicity quota had completely depleted. Imagine the mental roller-coaster! Despite all that, we managed to select a high floor – 11th – and while it feels like a relatively low floor in a 47-level block, it was much higher than we had expected!

IX. Payment Commences in 2016. Yes, it will take half a decade for the flat to be ready but we see it as a good thing because it means that we’ll have more than enough time for our CPF to swell with nearly six years of monthly contributions. By then, we won’t even need to worry about additional cash injections because we could easily sustain the monthly repayments. This is significant; if we had purchased a resale flat, we’d require around $80,000 liquid cash (how!?) – half for Cash-Over-Valuation (COV) and half for renovations. Thank God we need not worry about that! In fact, we can take our time over to slowly and steadily save for renovations.

X. Housing Loan Eligibility. As this is a BTO, it means that our housing loan eligibility (HLE) would be reassessed when we collect the keys in 2016. This means that our HDB loan would be derived based on our combined income in 2016, instead of now, where it’d be based on only a single income. This is easily a difference of over $200,000 in loans! Can you imagine if we had to borrow that additional amount from a bank to finance a resale flat, or buy a $200,000 flat?

There’s so much more to thank God! For one, we are officially home-owners now and it’s a huge load off our chest. After all, purchasing a house is one of life’s milestones, and for us to nail it at 27 and 23 years old respectively, was beyond our expectations. To know that we’ve overcome this hurdle allows us to focus on building our relationship and making us even stronger than before. God is faithful indeed. All glory to Him alone!

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all of us are gifted.

Recently I had an opportunity to catch up with an old friend and he shared with me how he rejoiced with his wife when his son finally uttered, “Mama”. I rejoiced with him for it was a breakthrough for their family and when he shared it with me, he communicated a gratitude to God that nothing in the world could manufacture.

I juxtaposed it with parents who constantly berate their child for not doing better than their cousins, classmates, neighbours and whoever they could conveniently use to destroy their kid’s self-confidence and beliefs system. I remember telling HY that we’ve gotten it all wrong and have become complacent for the things that we ought to be thankful for. The more I hear it, the more I find “better than” a repulsive phrase.

That one-worded “Mama” was a gift from God to his child; as he shared his delight with me, I couldn’t help but to thank God for giving us speech – and I told HY that all these seemingly basic functions are truly gifts from God. I told her that in the future when we do have children of our own, we should be thankful for everything that the child has – speech, sight, hearing, limb movement, cognition, health and even something as taken-for-granted as daily breath! And not wish that our child is a pianist prodigy, artistic phenom, mathematics maestro or a kid with elephant memory (or not). Unfortunately, we have been conditioned to think that that’s being gifted, but we have forgotten that everyone is gifted – your ability to inhale and exhale is the gift of life from the Giver of life. Let’s not fight the wrong battles.

It wrenches my heart when I find out how my youths struggle with their (“inadequate”) academic achievements, because most times they’ve gotten it all wrong – they seek the result instead of the process; they seek a resume instead of academic returns; they seek worldly covetousness (wanting to be better than someone else) instead of godly contentment (wanting to be the best that God has designed them to be). I believe that our mentality is messed up because of the way we have been brought up (and this is no fault of ours). However, we should be careful not to pay it forward to the next generation.

At the end of the day, these pursuits amount to nothing all that significant. I so wished that I could hold their faces in my hands, look at them in the eye and tell them, “Come on, do you REALLY think that a C grade or a ‘regular’ CV could stop God from fulfilling His purpose in your life?” Oh, we of little faith; we ought to be dismissed for thinking that our destiny is determined by our downfalls. When will we finally learn that the sovereignty of God far exceeds earthly meritocracy?

Let us all take a step back to recalibrate our compasses, unless of course you have already decided to raise your child in the exact same manner that you have been raised. Let us remember that life in itself is the greatest gift and that we ought to be thankful for it. Let us not go overboard in seeking additional gifts instead of the Giver Himself. Don’t get caught in the world’s definition of “gifted”!

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