New BTO framework - Will moving up the property ladder get harder? | Heart of the Matter podcast
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- čas přidán 31. 08. 2023
- New HDB flats will be classified under Standard, Plus or Prime from next year - dropping the decades-long mature and non-mature categorisation. With increased subsidies and tighter restrictions, what will be the impact on the property market? Will home ownership aspirations change with what is affordable? Steven Chia chats with Christine Sun, senior vice president of research and analytics at OrangeTee & Tie, Nicholas Mak, chief research officer at real estate platform MOGUL.sg, and Sarah Lin, a 27-year-old who successfully balloted for her flat after seven tries.
00:24 Intro
2:01 Sarah shares her experience of trying 7 times to get a BTO
3:07 Reaction to changes to the decades-old classification system
5:39 Impact of longer Minimum Occupation Period (MOP)
6:16 Will it change the way people choose BTO flats?
9:25 Considerations when choosing a flat with a long MOP
10:43 Will the new classification affect HDB pricing?
12:21 Will Prime flats become even more expensive?
14:34 The role of subsidies
16:36 How will the new classification help to stabilise prices?
17:42 Are flats investments or a home?
22:14 Years before impact will be truly felt
24:36 Changes for singles - are they significant?
29:25 Outro
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So glad to have Nicholas Mak on the show, he makes very relevant, informative and rational points. 😊
property agent is one of the reason for property price hike. Let's do away the middle man. Government just need to provide a platform to transact resale flats.
Lol create a platform with AI
this I agree.. Very much so, especially since nowadays HDBs are so commoditized
Let the owner sell their own flat
Prime locations for the elites, Standard/Plus locations for the poor. Overtime prime locations appreciate greater in value and holds value better than regular locations. For example, 50 years old prime location Tiong Bahru HDB sold for $1.5Million
Prime or non-prime location is actually subjective; it depends on how the govt develop the area around it; prime can turn into non-prime and vice- versa.
Pritam said 2 SGs
More CLASS DIFFERENTIATION
was a jumbo flat dude... it was like >1500sq feet
I believe that the Govt is moving towards 10 years MOP and income ceiling on resale flats for all the new flats, including standard. Next will be EC I think
Those never benefits will kpkb. Those benefited will be happy 😂 surprised that young people no dream for 5C.
interestingly, the inability to have my own house as a single has seriously make me reconsider having a partner for marriage. right now as a society, house is tied to marriage, and capital gains is tied to house. the profit to divorce is higher then the gains of staying together.
In other country,a house can be an assert but in singapore, it isnt an assert more like a liability😂
That’s why the intro single homes as this is expected 😂
I still can’t qualify to by a single 2 bed flexi and can’t afford to buy a resell flat due to high price. This changes still does not help single getting a home.
You just need to limit the number of people who can be housing agents in Singapore and it will have an immediate effect on curbng housing speculation price down.
Well directed hosting by the show host. A very sensible interviews with equally good interviewers esp Nicholas Mak and Christine Sun. Hope to get more of these podcasts on key events/national subject matters by Steve. Thank you !
Back in 1972, my father told me, we don't own the flat. We rent the flat, paying rental.
When time up, gov will take back the flat.
That's the mindset I have since then. Hence, when someone said HDB value turn zero, is nothing surprises to me. 😊
But govt will twist it in a way that u own the flat lol😂
@@gladiatorgamer9502 fully understand. Anyway, gov did not lie. Because it states very very clear with the word, LEASEHOLD.
its the same for any 99 yr old leasehold condo lol
@@pohkhui
Don’t defend the government simply for the sake of defending them.
One Moment claiming that Citizens OWNED their HDB flats and Singaporean has one of the “highest home ownerships in the world”, while next moment stating that it’s on leasehold then attempting to restrict this and that!
So are you saying that RENTAL units from government are worth it so it’s justifiable that hundreds of thousands of dollars are DEDUCTED from your limited CPF?! 🤦🏼🤦🏼
At the end of your life when you are old, you accumulated NO Assets cause everything you have build up has been taken away from you. Your youth and productivity has been SUCKED DRY by the state and you are ok with that. 😂🤣
@@Callsign-Blade_RunnerSG it's similar to products u buy with "lifetime" warranty. It could be the lifetime of the product cycle, the company, etc. Here the flat is sold to someone and belongs to him for his lifetime ie he won't be left without a roof above his head after buying it. So don't be sour and want the cake and still eat it. Policies in SG are meant to benefit progressive people who contribute to society, not people who just want to be sure-win investers who just shake leg and collect money.
I moved into my flat during the 1980s when I was in primary school. BTO system didn’t exist then. It is a 5 room corner apartment on the top floor and has a MRT station nearby. In my mid twenties, ownership passed to me. I paid off the instalments in one lump sum before 33 years old using cash and CPF.
Technically, I can’t outlive the lease. I’m not flipping properties either. I’m lucky in a way to reside in a old fashioned larger HDB (newer 5 room flats are like 3 to 4 room flats of my generation.) so I don’t understand the acute need to “upgrade”.
Many interesting insights brought up by the agents. But I thought another important restriction that was not discussed is the income ceiling of 14K. Million dollar resale flats exist today because there is no income ceiling and those who are rich can afford to pay this price. However with the income ceiling, there is a "theoretical maximum amount" that a Prime/Plus owner can resell the flat for, because with 14K combined income, one can only afford so much. Price the flat over a million and there'll be few buyers who can afford it (with 14K). So I believe the price of such Prime/Plus flats will plateau over time or grow in tandem with the income ceiling.
As far as we try to analyse and forecast the future, the fact is that none of us are prophets and nobody can accurately foresee what is to come, even the Govt. When the first batches of PLHs enter the resale market, that will be the first time we will actually have accurate information on how the market will react. I hope that the Govt monitors this closely and be ready to respond with additional policies if anything goes awry.
It will dampen prices across the board
Harder for private property owners to downgrade?
Rather fair point.
For elders who wish to downgrade they are enable to, provided they do not have income anymore but are asset rich. This makes sense for Their retirement.
This is one of the few comments that makes sense, majority are not thinking logically but just ranting.
Restrictions can be recalibrated along the way, the income ceilings can be adjusted upwards as well, nobody can predict what is coming. From my small sample size on the ground, this new framework is already having an impact now on hdb resale properties near MRT that has no such restrictions. The sellers are asking for higher prices in view that future ones near mrt will probably be plus or prime flats with more restrictions. The regulation where you cannot rent out the whole flat for plus and prime flats is a big dampener of interest. And even with all these restrictions, it does not mean HDB will price them below current bto price levels
2 property agents arguing with each other.
PM Said we OWN HDB.
WRONG. We do NOT OWN the HDB
They are 99 Year LEASE.
Remember the AMK SERS Saga in his OWN Constituency?
HDB 99 year LEASE Goes to ZERO VALUE
My greatest regret is not buying a house the year I was born.
Just my 2 cents opinion, restrictions for prime/plus resale can be recalibrated along the way, the income ceilings can be adjusted upwards as well, nobody can predict what is coming. From my small sample size on the ground, this new framework is already having an impact now on hdb resale properties near MRT that has no such restrictions. The sellers are asking for higher prices in view that future ones near mrt will probably be plus or prime flats with more restrictions. The regulation where you cannot rent out the whole flat for plus and prime flats is a big dampener of interest. And even with all these restrictions, it does not mean HDB will price plus/prime below current bto price levels
Nicholas mak!! Yoohoo. So long no see him. Good to have him. PLEASE have Sam Gian Too. Another solid ppty guru!!! Unbias outlook from him
So at the end of the day, is HDB units still an asset or just a long term rental from government?
dude, i BTO-ed 7x and DIDNT GET MY BTO FLAT! Until my wife (then girlfriend) and my income was too high to BTO (salary ceiling was 12k then). My first BTO was Dakota Breeze in May 2017.
In the end bought resale just before my salary increase to secure the total 70k grant from HDB (Proximity 20k and 50kt of first timer grant)
GET A FREEHOLD "HOME"......
BTO HDB.....HEADACHES
“DO YOU KNOW YOU’RE SITTING ON A PILE OF GOLD?” 😂😂😂😂
I recalled bidding for bto for 8 times without offering a queue number as my number is beyond the 200% subscription in 2012. Still recalled its down to the last 10 units in the estate when it's my turn to choose at HDB hub. Eventually, I managed to get my flat with a number closed to the upper limit, and I have been staying in my punggol flat since.
One might argue on quality and Affordability of our HDB flats. But without a doubt, the first house as entitlement of a Singaporean is always a HDB flat.
10 years MOP for prime flat is still too short, should be 15 years to 20 years.
Stop the HDB Scam !
Just saw this program on CNA. The answer about bto getting smaller but price going higher was hilarious. 😅
Eg. Parents with 2 kids can live in old 3rm flat bcoz the 2nd br is more spacious and allow proper dining table in the living room. Currently the 2nd bedroom of new bto can just fit a super single max.
Talk about having more children? Forget it! 😅
Why do we call BTO a subsidies flats where Singaporean has to work for life, what wrong for Singapore to upgrade their living standards!! Building expensive private home for foreigners!?????
@cna, This time the seatings of guests are correctly arranged , one side with camera angle
During the transition between the new and the old categorisation BTO reaching MOP, there is a difference of 5 years between the MOP of the "Standard" as compared to "Plus" & "Prime". During these 5 years, with only 1/3 of the new BTO are avalaible in the resale market. Will we see another property bubble coming up because essentially we are reducing the supply of resale HDB by 2/3.
This is assuming that we will continually have more BTO launches every year to cope with the demand so that it would't inflate the resale market? This is a huge risk the goverment has taken believing that there won't be any major crisis that might affect BTO launches in the next 10-15 years. We just hope that our goverment have made the right choice and everything will stablised after the 15-16th year when all the "Plus" & "Prime" BTO reached their MOP and enter the resale market.
your assumption is that there is an equal number of standard / plus and prime flats. the govt alr said that the majority of flats will be standard.
@@nothingmoves yes that is my assumption. But it’s also an assumption that very few BTO will be under Plus and Prime. Nonetheless, the fact is that it decrease the number of new category BTOs going into the resale market once it reach the 5th Year MOP due to the difference in MOP period. Let’s see how the gov going to handle this transition.
How to lock the flip times of public housing and the same time provide mobility of the families living in public housing, I will say change the ownership of property to rental only for all public housing.
Singapore real estate is just not affordable for the average person. It’s becoming like Hong Kong.
Nicalos said that clearly about the new key of rules .The 10 yrs Mop lock in period. It would mean 10yrs + another 4yrs to build . Ends up about 15 yrs lock in period.. These apply to plus and prime which is mature areas. Hence the resales flats for these areas especially 4-5rooms prices would shoot up next yr 2024 when new rules kick in. Coz after 2024 till 2039. No flats in plus and prime areas able to come in resales maket for next 15 yrs ,which would be consider shortage hence others resales flats in these areas demands would increase for sure
Wrong, it will shoot up in 2029, because even without the new change in HDB rules. New flats in plus and prime will only MOP in 2029, so your base case of HDB flats in those areas available for sale is still the same, until 2029 where there will be no more supply from those that are supposed to MOP in 2024 and beyond...
@@ChoseNTuber I only foreseen from 2024 to 2039 due to the lock in period of MOP . the resales prices in plus and prime areas would be increased for sure. after 2039, the first flat which after the lock in period would come into resales market
@@ChoseNTuber yes, but after h2 2024, new buyers for BTO will be panic as the prices would increase in RESALES flats in the same areas due to MOP 10 yrs +4.5 years built
Short term, prices will not go down at all, existing standard HDBs remain same price, plus HDBs all will increase in price, prime also increase. After that in the long term, will price increase year on year be slower or remain the same is still in flux. Reason why people move to private is because HDB is valued at $0 by the end of their 99 lease so for generation wealth acculturation that is bad as every few generations your family have to spend 1 or few million so people will try to move to private freehold.
Are they really getting value for money paid for their 99-year leasehold, as Mdm Ho puts it?
Thankfully, as a result of the Non-constituency Member of Parliament, Mr Leong Mun Wai’s constant badgering for details from the Government, we now have specific data for a recent HDB project in Ang Mo Kio for the purpose of consideration.
15 years. is like a quarter of their lifetime. we wanted people to be entrepreneur but we are locking them to a high debt commitment. The waiting time and the selling time is quite disgusting as anything can happen during 15 years. Eventually HDB end up dealing with more appeals to selling than its intended purpose.
lol that means ppl only live till 60 y.o. with your math
Seeing singaporeans struggle is quite an interesting experience. If I were them, I will do grab after work but won't sell brackside
Nothing to worry or feel disgusted. If they don't want to get lock down by 10 yr MOP, they can consider standard flats or current resale flats not under new scheme.
HDB should allow couples that give birth within the 10 years MOP period to change without penalty. This will boost the birth rate
I try bto 15 years ago. I tried about 5 times. Never succeed. It is alreday like that 15 years ago! HDB. now they finally decide to take action! Is it a bit late?!
Late than never.
The change is HDB classification probably arise from 2 main situations about affordability public housing. It seems that the govt finally woke up that HDB in its inception in 1961 was to provide affordable housing for all Singaporeans and not an asset to make profit. Trying to return to this fundamental takes time and they need to tweak it gradually. (2) Govt recognized that young working couples and singles find it hard to get a HDB flat within their. affordability of their choice, and the resale market went wild with influx of rich PRs. What the govt also need to address is the prices of resale & rental markets of HDB flats so that it balances the need of Singaporeans and Sg need of migrant workers who have lower income such as Work Permit holders & SPass holders.
u guys do notice that the 2 room flexi is a nail in the coffin for singles starting a family, once they applied successfully for a BTO at age of 35? he/she will be locked down to wait for construction till 40, MOP till 45-50 dependant on whether it is PLH or not. only until then they could get a bigger space for their already-started family. it does not encourage any conversion for singles to families, with late start to have a foothold at all.
I have a good idea to help control property prices.Allow people to comment on property listings for example on Property Guru etc.If you do that greedy property owners and ESPECIALLY greedy property agents will think twice before listing high prices or wanting to quickly sell your house cheaply.
True lah this one will work to an extent one
Christine is the one to watch
It is always Christine in the limelight
Obviously after 2024. The new 10 yrs mop rule kicks in for matures areas ( plus and prime areas). The first flat able to come in resales market after lock in 10+5 yr built =15 yrs which is H2 2024 +15=2039. So there would be a vacuum of 15 yrs shortage for resales in mature areas ( plus and prime areas )
It means the prices of lease decaying HDB would be held stable for this short 10 to 15 yrs, there after all will drop like stone. The gov is using this renaming scheme and extra restriction to delay the inevitable and by that time all these policy makers can retire with a Swiss std of living!😆😆😆😆
@@kengleetan63 tiong bahru areas left 45 years, marine parade aeas left 50 years. yet sold like hot cake still. Housing in sg is not as like you use math decay method to become zero. It has political implications as 80% of voters are staying in HDB flats and that affects future elections
why is there a shortage when majority of new BTOs will still fall under standard tagging?
@@SWTAN-JEFFREY a lease... is a lease, time is time, every minute there is an idiot being born. Don't tell me YOU are one of them?😆😆😆😆😆😆😆
@@lExis5tol Im refer the shortage is to mature areas, as MOP is for plus and prime which are mature areas . nothing to do with standard type
The narrative on how long before they can monetize the flat is sang by all agents.
But if the flat is not making money, would that narrative be relevant?
i think that u cant have it both ways . if we want affordable prices we have to accept some limitations .
Gov always test market and will change when they get feedbacks or results from buyings ...especially Minister in charge always change around and different rules will be imposed.....for me i think not everyone understands the system ..
The so-called government subsidized public housing “HDB” will reach 2 million very soon, why? The open leg policy, half of Singapore population is foreigners, PAP already planned every year how many were become PR and citizens in order to reach 10 million population. When demand is high, supply is low, price go up.
Sadly, I don't see how the new system will help the first time buyers but will have advert effect on HDB resell prices.
This is our country, this is our land
Can PR buy Plus/Prime resale?
PR can buy if the partner is a Singaporean.
Thanks.. so 2 PR can only buy standard resale..
@@lynnchua1890 One more condition, both PR must have stayed in SG for at least 3 yrs
Also NEW Category of Housing; SUPER DUPER PRIME++++
RIDOUT Bungalow for Vivian n Ah Sham is SUPER DUPER PRIME++++
Keep coining new terms changing some conditions here and there but avoid and just don't want the truth to be exposed that more than 3/4 of such pigeon holes are lease decaying, rapidly. Over the next short 5 to 10 yrs, the truth will be inevitable and save for these newer flats, with new restrictions all the rest is heading for the 'long kang' value.
HDB your retirement asset?😆😆😆😆😆
Housing the mother of all retail speculators which is laughable that is used as an investment opportunity. Is one of the least liquid and blowup speculation valuation asset, poor opportunity cost vs other investments and soon to be useless asset (over supply) because of the low birth rate.
Young couples cannot afford living in Singapore. Better to immigrate to other countries where one can afford big car and house. Furthermore, the house and land is yours and no such thing as leasehold which is ridiculous.
Young couples needing to wait for about 5 years for BTO is not acceptable. The waiting time should be about 1, 2 years. The government wants more babies and yet the waiting time is so long and expensive. Pretty hypocrite.
New BTO framework or not is not the issue. The crux of the issue is of supply. The PAP's government mishandling of supply made HDB prices less affordable. Thus, the solution cannot be to introduce more measures base on the framework of BTO. BTO is the problem. The PAP's poor economic planning is the problem.
There should be a complete abolishment of the BTO framwork and return the construction of HDBs over to the free market. The government's only role is to sell plots of land for competitive firms to bid. HDB would not have to worry about holding onto unsold inventories and hold up construction. Pass on the risks and construction over to competitive builders, who are subjected to the forces and regulation by demand and supply.
They have already done this experiment and it failed - it is called DBSS. Look it up.
It failed b'cos private developers started bidding higher price for the plot of land, and price higher selling price for bigger profit margin and give poor grade finishing. Lots of home buyers complained when receiving their flat keys
Government need to control the HDB market and tax the profit of the sale of flats.
what talking you. stamp duty gst all not tax? more tax for ministers to pay 50k/mth for their own living cost?
She might have meant PLB airbase instead of old airport road...?
It is good to have forums like these to let government institutions listen to our stories
It is a good move from the government to give every Singaporen a chance to own property
The smart ones , if they don't have RICH parents to begin with , used this HDB opportunity to upgrade to PTE and if they could retain the HDB they will cos one can buy pte and still retain the HDB but not the other way.
But in the end , these smart folks will take the best opportunity to sell the slum housing called HDB at the best value with MAX PROFIT and cut their loss before the value plummet!😆😆😆
With this kind of money it 's really poor quality housing and a raw deal. In Bangkok they can afford to give you a rooftop high end pool with jacuzzi and a rooftop aircon lounge + co working space for 1/4 of the price. But we have the stupid going along with this. It refelcts the limits to which our country can achieve with this collective stupidity.
Why buy BTO at $500-$700k flats?
10 yrs is very long.. Why not 7yrs or 8yrs MOP would be more sensible.
As seen in the case involving the Selective En bloc Redevelopment Scheme (SERS) at Ang Mo Kio Ave 3, the Government appears to be buying back the flats at their individual level without paying for the land surrounding the estate.
PM Said we OWN HDB.
WRONG. We do NOT OWN the HDB
They are 99 Year LEASE.
Remember the AMK SERS Saga in his OWN Constituency?
how's 70% for tharman feel? Constant trolling on CZcams day to day and getting crap results?
Govt is paying mkt rate for SERS, so it's not true they are not paying for the land. I know because I was from SERS.
@@pathfinder1672
So Renovation who Pay ?
Owner Right ?
Additional Outlay Bourne by Owners; So How to Save for Retirement ?
UNNECESSARY Expense n WASTAGE
@@vincecarlo when we sell our flat back to HDB, we have made a profit from the price we paid previously. E.g. bought at $100k, sells back to govt at $300k, use the profit to pay for renovation.
You would say I still have outstanding loans, but don't forget althought I paid $300k for replacement flat, I will be able to sell at $700k in the future, hence making another round of profit.
I can attest to this b'cos I am beneficiary of SERS many years ago and my replacement flat has reached MOP. For my retirement plan, I can apply for BTO, sell off my current flat with money for retirement.
So most of u are guessing and making wrong assumptions while I am living out the SERS experience.
This would shoot up Rental market everywhere even further
i dont know if anyone noticed but EVERYTIME there is a change in any regulations (whether it be HDB, plastic bags, climate change etc) some if not all end up paying more.
eg plastic bag policy in supermarkets cost consumers 5 cents more.
carbon accounting will end up costing electricity more.
new BTO classifications end up costing future sellers more (clawback of subsidies & opportunity cost of time of not being able to dispose off the flat for the next 15-16 years after a person has chosen the flat).
Seems that the only and best solution to all problems in SG is to make sure end users pay more 😂😂
Increase stamp duties and cpg tax
This young girl talking nonsense. Wonder why she was invited in this conversation. Hope CNA must review.
The way she thinks isn't very forward. She will be left behind. Is a dog eat dog world out there. Otherwise just pitch a tent and live under bridge will do.
Take Tengah lah...then no need try 7 times.
The young girl is not talking nonsense. She probably haven’t reach that stage. Mindset may change with age.
I dont know why steven chia is discussing these matters with these irrelevant people….they are not the ones the Government discuss with before they roll out the hdb policy. These people just parrot whatever the government says, in other words, a futile discussion
Say what may , HDB flats will come with higher & higher prices .
businesses and artworks are extremely territorial.
Why does property need to be a ladder?
worse framework ever...i got a prime location but i have no subsidies... altimately people who has work hard to earn more have no susidies....
So the grants no follow inflation
patents and licenses are all very territorial!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
My family of four got a 3 room bto in non-mature estate. Who says houses are not affordable?
It's just people wanting to own housing they can't afford that's the crux of the problem.
dont tell them the truth, they dont want to hear that
Incorrect. The housing price rose too rapidly against what the locals can earn, which makes HDB unaffordable. Why the locals salary had stagnante against the cost of living?...THIS QUESTION YOU GOT TO POSE TO TAN SEE LENG BUT YOU AIN'T going to get the truth!😆😆😆😆
@@kengleetan63 You really feel a non-mature estate 4 room at 300k is unaffordable? Minus off grants and you're left with 250k+. May I know what job you're working as to feel this is too expensive?
@@MrProFutsalhe wants to buy a house for $20000
@@MrProFutsalimagine having to take 1 to 2 decades just to pay off housing loan+living expenses is rising till to inflation. U need to earn close to 100k a year to even pay for affordable housing of 250k and I dont think anyone earning about 2k to 3k a month can even buy a house lol
the real issue is how are those upcoming re-sale flat going to be? we all know the BTO is mainly for new couples but then again looking at the area how to ensure is near parent home?
yes yes SG is small compare to other country but still need time to travel right? GOV cater BTO but only up to 4-room flat where is the 5 room? MOP with 10yrs is kinda hard becoz u never know wat will hapened in those 10yrs and worst case is that within the 10yrs u wan to sell and not allow to sell
The plus BTO plan is precisely to allow young couples more chances to apply for location near parent home whereas under old plan of mature/ non-mature flats, it was more difficult.
People are strange. Govt takes action because we complain, and when they put in rules to slow the price from escalating too fast, people complain again. The 10 yr MOP rule is introduced to slow down the lottery effect of BTO flats, if u don't want to go under this rule, u are free to buy from resale mkt or standard flats.
Why are Singaporeans buying HDB and upgrading to private? Greed and want to be rich. Property agents benefit from monetary
Sporens so enjoying the popular policies🤭 landslide support
but also in 100 years 1 generation will pass on and u get vacant houses too
Solve bto price first. Ageing population comes later
locking people for 10 years is not funny . 10 year many things can happen....
Singles get a raw deal
Stupid question 😂😂
no new BTO framework singapore housing will be like HK.. XD
Reading from a script, Steven?
What's wrong with that? Even newscasters read off teleprompters.
if you noticed, Steve can and would speak without Telepromter in most of his programmes. Besides if he did, he would have looked up instead of looking down on his Tablet. There is nothing wrong reading off a script, only that one need to look up once in a while instead of focusing on what to read.@@jsurfin1
I think its a great Policy by PAP. The guy in the panel must not complain. Complaining is for losers abd lousy people. We need to psycho the new flat buyers. Singaporeans only need to work harder and its still highly affordable. I congratulate singaporeans for asset appreciation. I love it especially when i am not affected. 3 cheers for singaporeans 👏👏👏🤝
Pro hdb owners, mature estates.bto flat for pte?
Asds, basd
Plus hdb owners, feedbacks from real estates agents?
Kill two birds with one stone. Daolang song 🎵 ♥️ ❤️ 💕 👌 😍
Owners hdb rental out ,if they are not for own stay.? Cases study why rent out if they no needs criticism.
10 years plus waiting times 5 years long terms. New buyers..
Those that don't treat education seriously and end up with low-paying jobs have only themselves to blame. They should seek help if they face financial difficulty and not go around whining and bitching and blaming the govt for making flats unaffordable.🤣🤣
Dang u got big mouth to say. I guess u take ur study super seriously and earning 200k a year is it😂
What or who certifies if someone is DEAR?🫣🤭👀🏳️