Sayang, if you're having pain below or around your belly button at 20 weeks, please see your doctor or go to clinic asap, even if it seems minor, better to check it out. Boleh jadi ligament stretching (normal) tapi kena confirm dengan doctor je, sebab pregnancy complications tak boleh main-main. A few of my mum friends ada stretching pain tapi doctor confirmed semuanya ok, so don't worry, just go get it checked out properly, okie?