Agreed .. some of the reno and hacking can be minimised if you can find a resale renovated to your liking .. as for agent fee its possible to negotiate with the agent or you can go diy route
Yea so actually the grant isn't helping much. Couples who are still immature are forced to make life decisions by putting their names on bto. Families who eagerly needs a place have to go for resale (less waiting time) but at a higher price. How to manage financially?? :/