Getting a BTO flat is a significant decision. Yet, a successful BTO application is just step one and there are even more decisions that require your careful consideration in the long run. Here are some decisions you need to make before buying a BTO flat.Since August 2018, you are allowed to retain up to $20,000 in your CPF Ordinary Account (OA). Before, it is a requirement to fully utilize your CPF OA funds to pay for the flat before taking up a HDB loan. Clearing your CPF OA can help to reduce the housing loan amount that you take up.