We have been experiencing some problems with subscriber log-ins and apologise for the inconvenience caused. When there is any potential buyers, we were texting to and from even though he was overseas and with his help, we are able to sell our hdb flat within one week with a reasonable price. Required fields are marked *. Please check if you are affected especially if your flat is between 20 to 35 years old. We had an arranged appointment and took leave for this. First, when he issued a warning on his blog that people shouldn't be buying very old Housing Board resale flats in hopes that they would get Sers. Found him to be consistent, passionate and honest. If you want to stay on, current data suggests you might as well keep it for 20 to 40 years. For a 60-year-old couple who wished to pay in full with CPF monies, assuming both have maximum ERS, they can afford to pay $176,000 x 2 = $352,000. He got me something that was priced below what I was initially willing to pay. Was patient and attentive to my enquiries. Majulah Upgrading And HDB Grants! My parents 3-1/2 rooms flat at Indus road is 44 years old an fully paid up.They are in their 70’s and 80’s years old respectively. Trust me, you will not regret it. When you buy an old HDB resale flat, there is no guarantee that the purchased flat will become a SERS flat. Important Notes: You will have to check and ensure that you are eligible for an HDB concessionary interest rate loan to buy the flat. The low point was in 2014 when only 1,021 units were sold. 290A Compassvale Crescent. I got to know Gary from his Facebook. Previously, buyers of HDB flats faced restrictions on the amount of HDB housing loan they could get to purchase flats with remaining leases of less than 60 years. 198402868E. That is a big difference in the cash outlay that I have to pay. During the meeting, he had patiently shared with us a lot of useful information. HDB Flat; 99-year Leasehold; Built: 1994; 2h. With regards to HDB vs bank loan, this will depend on your plans for this HDB. http://mothership.sg/2014/04/the-99-year-time-bomb-some-singaporeans-are-sitting-on/ No. Slightly more than 2 years have passed since Wong trying to talk up the market for the older HDB flats in Parliament in May 2018. This is really dependent on your own unique situation. Find out more Buying a Short-lease 2-room Flexi Flat Our short-lease 2-room Flexi flats are meant for elderly residents, who can choose shorter leases ranging 15 to 45 years, in 5 year increments. You buy one, live in it for five years, saving on rental. You are welcome to contact me if you wish to discuss further. New Exclusive Listing For Sale at Prime Telok Blangah Rarely available young flats at this area, 97 years left on balance lease Not even MOP, its less than 5 y Chat to Buy This scheme lets HDB flat-owners live in their flats, while getting an income from selling back the tail end of the lease to HDB. But for flats less than 60 years but with at least 30 years, only a percentage of CPF savings can be used. A very irresponsible guy. You rent the flat out for $2,400 a month. At this selling price, John and Jane will incur a loss in value of $430,000 – $352,000 = $78,000. His solution really met all my requirements. 3 This is also covered in the Continuing Professional Development courses that we conduct. Gary then shared with me on how to achieve my dream. As your pay goes up, you upgrade to a condo. He's not just any 'Agent'..he is 'The Agent'..looking forward to my next meeting with him ⭐️⭐️⭐️⭐️⭐️. 14 1 1 . It usually takes me more than 20 hours to research and write insightful content for each blog post. Categories: CPF, HDB Property Investment Tags: old hdb flats. Based on a Straits Times report dated Jan 30, 2020, in 2019 the sale of HDB flats less than 10 years old numbered 4,578, which was an increase of 33.4 per cent over the preceding year.. As I wrote in a blog last week (http://www.straitstimes.com/opinion/how-to-figure-out-if-an-old-hdb-flat-is- worth-its-asking-price) , the narrative of asset enhancement and generous government payouts may have held true in the 1990s, but has changed as we approach 2020. I got to know Gary from his Facebook post. Mr Wong's stark reminder to HDB flat buyers not to expect every block to get Sers was necessary, given that only 4 per cent of flats have been picked for Sers. These announcements give HDB flat owners some certainty about their assets. Especially in case of Executive flats, HDB do not display median prices for Bishan and Queenstown (towns famous for $1 million HDB flats) because they do not have at least 20 transacted flats except in Q2-Q3 2008. 9. After going through my finance he adviced that I was not ready and gave me options on what I need to achieve before going for this first purchase. �, I came across Gary's Facebook posting & realized that 'he's has it all planned'. But overall, as new flats continue to be built, older HDB flats might not seem so attractive. Note: HDB do not provide median price if less than 20 flats were transacted per quarter, thus there are gaps in lines. Mr Wong has done the right thing, reminding young home- buyers not to assume that Sers will prop up their HDB flat prices. This puts their remaining lease at about 69 years or less remaining. Without a doubt, Gary has supercharged my entire investment process completely. Now, we have purchase our dream house within our budget and all thanks to Gary. (Actually, it has been answered by the Minister of National Development). This is because the flat buyers' eligible loan amount is less than 90% of the flat price. A property owner is eligible to use his CPF for the property if his age plus the remaining lease of the property is at least 80 years. If current trends remain, prices should remain stable. The best part of his strategy was that he even helped me save more then 20% of my monthly installment. He got flak for it, but he wasn't the first to warn against over-exuberance in HDB purchasers. Higher CPF resale housing subsidies . His knowledge and experience in the property market helped me greatly in making a decision. (2) A property owner is eligible to use his CPF for the property if his age plus the remaining lease of the property is at least 80 years. I have read through a numbers of articles on FB that other people with the similar range of income able to upgrade and even own 2nd properties. The value of old flats should diminish as they age. There are about one million HDB flats. M any young couples in Singapore have started their lives together by applying for BTO flats, with the Government pushing out how affordable BTOs can be in certain locations. The debate over National Development Minister Lawrence Wong's comments about the Housing Board's 99-year leases was necessary, but should not become alarmist. They would also be entitled to a smaller loan limit of 81 per cent, compared to 90 per cent. Depreciation rates are related to building age, while other factors such as land tenure, size, etc. They can read the article in full after signing up for a free account. Your email address will not be published. Especially when there are other choices? Joan Bagus - ERA REALTY NETWORK PTE LTD. Posted today 06:15 AM. Following are current data taken from HDB resale website: In May 2014, for example, an article on iMoney gave its take on "Why HDB Flats May Not Be the Foolproof Assets You Thought They Were" and concluded that "the warning shots have already been fired by the government, now the onus is on Singaporeans to reassess the financial leverage their HDB flat can offer them and accordingly reshape their financial investment strategies". Your email address will not be published. So if I were looking for a resale flat, I would buy an HDB flat that is under 20 years old, and hope to be able to sell it at a reasonable price (not a high profit) in another 10 years. There are 1 million HDB flats, of which 70,000 or 7 per cent are over 40 years old. Shortlist. If you feel you have benefited or learnt something from the above, I sincerely request your help to share this to your friends or family members via WhatsApp – so they can also benefit. I met Gary more than a year ago through a random Facebook advertisement. Happy with the advice he provided. The options in our database is limitless. That applies to flats that are at least 64 years old. Gary will try his best to cater to your needs and wants. Just like an annual medical checkup, it is highly necessary for you to review your property portfolio and review the numbers from time to time. You have reached your limit of subscriber-only articles this month. We got the deal done shortly after. Owning an HDB flat – more often than not, a Build-To-Order (BTO) unit – is a significant rite of passage for many young Singaporeans. Copyright © 2014 - 2019 Second Property Investors | Privacy Policy. Then do your sums. Although I never engage his service but he still try his best to give advices. (2) A property owner is eligible to use his CPF for the property if his age plus the remaining lease of the property is at least 80 years. Slightly more than 2 years have passed since Wong trying to talk up the market for the older HDB flats in Parliament in May 2018. That applies to flats that are at least 64 years old. If your lease is less than 70 years, I recommend you contact me for a Free Assessment. My Detailed Financial Assessment – What You Can Expect, “I Am Rich & I Can Hold On To My Property. Met with Gary with intentions to purchase my first investment. The Housing & Development Board was thus set up on 1 February 1960, tasked to solve Singapore’s housing crisis. The terms for granting HDB loans and the use of CPF funds for the purchase of HDB flats with remaining leases of less than 60 years ... very few people may want to buy flats with a lease balance of 65 years (more than 34 years old). He was the only one out of a handful of agents i enquired with to tell me to hold on to what i have first. HDB sprang into action, and in less than 3 years, it had built 21,000 flats; 2 years later, that number was 54,000. Important Notes: You will have to check and ensure that you are eligible for an HDB concessionary interest rate loan to buy the flat. Truly a gem. Transactions for flats between 30 and 40 years old rose 10.4 per cent to … Having stayed in an (old) resale flat for almost my entire life, I have grown accustomed to having sufficient space in my home. - Asking $920,000/- * Chinese Quota Full * Only Malay, Indian & Other Races Eligible Nearest MRT Station If you want to cash out at the optimal time, current figures suggest selling your flat when it is under 20 years old. #1 You May Not Be Able To Use As Much CPF As For A Newer Flat This is where clearer policy intent is essential. bto flat better than resale flat. Among them, there will be owners who may have bought the new flats at a subsidised rate. For HDB flats/ private properties with leases of less than 60 years, the following rules apply: No CPF can be used if the remaining lease of a property is less than 30 years. Thread starter JohnTan; Start date Feb 13, 2019; JohnTan Alfrescian (InfP) Generous Asset. I would definitely recommend Gary to my friends who is looking to start on their own property journey! Are 5 year old HDB flats the best option? It has always been a dream for me to live in a condominium and an even greater dream to own multiple property. #2: HDB flats with shorter leases depreciates faster and will be difficult to re-sell. In my route on property investment, I have meet many agents but none is like Gary who bring values to your needs. There were doubts initially during our first meet thinking that he was just another agent. Today we have fulfilled our plan.. About 280,000 units are 30 to 40 years old. For me, I will choose to hold till when I collect keys for the next BTO. "For example, the median per sq ft price paid for flats in Bedok with lease commencing in 1970 (aged 46 years in 2016) was $407, just slightly lower than $414 for those built in 1995 (aged 21 years). That's one in three flats 30 years or older… Can the Lease Buyback Scheme be extended to cover more flat owners? It's no wonder that some are calling this an HDB lease-running-out time bomb. You should also note that when you purchase a HDB resale flat with less than 60 years on its remaining lease, your age plus the remaining lease must be more than 80. The discussion is specially tailored based on my constraints. Very informative with all analysis data made available on the first meetup. No cfp contributions. the date of purchase of the property is (i) on or after 1 July 2013 for HDB flats, and from 19 July 2005 for private properties; but (ii) before 10 May 2019 ; and ; the property has a remaining lease of less than 60 years at the point of purchase. I will definitely recommend him to everyone who is buying/selling a property. Till this day, I have never once regret this decision to go with Gary and fully recommend you to speak to him for your property advise. I have worked with Gary for the past 1 year and have never regretted my decision. Of these, 70,000 or 7 per cent are more than 40 years into their leases. For HDB flats/ private properties with leases of less than 60 years, the following rules apply: No CPF can be used if the remaining lease of a property is less than 30 years. During the meet, he understood our current needs and thereafter did a detailed analysis and gave reccomendation for our consideration towards our needs. More Are Selling Their BTO HDB Flats Upon Reaching MOP. Gary has been the agent behind many lucrative upgrading case studies. Hence, the oldest flats today could be more than 50 years old with a remaining lease that is less than 50 years, and counting down. ; From 10 May 2019, your CPF usage and HDB housing loan limits will depend on the extent the remaining lease of the property can cover the youngest buyer to the age of 95. Let says that if she will to sell her flat in 20 yrs time, her unit will be 60 yrs old, with the lease remaining for 39 yrs. By registering, you agree to our T&C and Privacy Policy. Thumbs up for Gary. The gift link for this subscriber-only article has expired. (About $75,000 for a couple with joint monthly income of $5,000, according to Mr Wong's example). That's one in three flats 30 years or older. Now the question of what happens after that has never been really answered. Can people sell their flats to HDB and rent them back? Gary really underpromised and overdelivered! There is zero selling from him and neither do I feel any pressure to buy after the discussion. Following are current data taken from HDB resale website: Like Bishan, the profile of HDB units in Toa Payoh that breach the $1 million mark are mainly from The Peak@Toa Payoh: DBSS units which are less than 10 years old. As a young person, if I want to stay in the house for the next 30 years, I better not buy a HDB flat that has less than 65-70 years lease. Just by simply applying what he shared. The rest just told me I could and should upgrade - Something Gary made me realise is not possible unless I want to be in financial trouble a few years down the road. Mr Wong got it absolutely right on both counts. The HDB Resale Market – Start of Downward Cycle? Posted on 05.31.16 | Gary Seah | 6 Comments, A HDB property only has a lease of a maximum of 99 years. https://www.99.co/blog/singapore/are-hdb-flats-99-year-time-bombs/. Gary was very prompt in his response and shared a lot of information with us. You will definitely gain something out from the discussion with him. For HDB flats/ private properties with leases of less than 60 years, the following rules apply: (1) No CPF can be used if the remaining lease of a property is less than 30 years. The other hidden question to ask: Would you or anyone buy a 40-year old HDB flat? (2) A property owner is eligible to use his CPF for the property if his age plus the remaining lease of the property is at least 80 years. At this selling price, John and Jane will incur a loss in value of $430,000 – $352,000 = $78,000. At 69 years; With less than 30 years of lease remaining, CPF money cannot be used for down payment or to service the monthly mortgage. If you are in the resale market, a newer flat under 20 years old provides better chances of reselling it a decade later for some gain. A property owner is eligible to use his CPF for the property if his age plus the remaining lease of the property is at least 80 years. The Minister’s announcement essentially means that such flats they will have zero value once it reaches 99 years and owners will have to vacate their homes. However Gary turns out to be a sincere and genuine professional who placed his customer interests before himself. If you are looking to sell your place or you have any queries on property market, upgrading etc, do arrange for a no obligation appointment with him. From an individual flat-buyer's point of view, the commonsense approach therefore is to continue to buy an HDB flat, subsidised preferably if you qualify for one. This is even if the flat has less than 60 years left on its lease. Buy Rare 2 Years Old Renovation and Full In Condition in Singapore,Singapore. Yes, factors like location and size may continue to affect the selling price. Since that, we have become good friends. On his part, he did his due diligent and provide details property analysis and in-dept analysis on my financial. hdb is super best. Property agency ERA said 1,869 flats with 60 years or below of lease were sold last year, up by about 11 per cent from the 1,679 units transacted in 2015. Singaporeans see Sers as akin to winning the lottery as the compensations are fairly generous (especially for those who bought their flats some time ago) and they get brand-new HDB flats with a fresh 99-year lease. The array of amenities and access to public transport also prop up rents. Got to know Gary from his FB page: Second Property Investors. He has helped many people to strategize, plan & restructure their property portfolio and get the best profit from it. Until we resolve the issues, subscribers need not log in to access ST Digital articles. In 5-10 years, many mature estates will be affected as there are 2 main reasons: Was told my parents flat will b having en bloc in time to come. Supporting Pillars. He home staged our house to ensure that the house is attractive enough to create good impression for the viewer. Learnt something from this post? Mr Wong did a public service with his candid and necessary reminder. Thumbs up! His knowledge and advise on property investment further interest me to arrange for a few more meet up after. About 280,000 units are between 30 and 40 years old, according to HDB figures. I will strongly recommend anyone who is looking to upgrade or getting another property. The ageing profile means that a large number of flats will cross over into their 50s in the next two decades. The percentage is computed based on the remaining lease of the property when the youngest eligible member using CPF reaches age 55, as shown below: Once a HDB unit has hit 40 years and beyond, there are implication on the CPF and the amount of loan you can take up for the HDB. Can I wait till 6months before key collection then sell my current flat or I should sell it asap due to the remaining yrs of the current HDB? That whimsical headline was a reference to analysts warning of a sharp fall in value when an HDB flat crosses 64 years of age, when the lease remaining is less than 35 years. Number of $1 million HDB flats in 2020: 6. As one Facebook commenter put it, it becomes like a game of musical chairs and no one wants to be the one carrying the parcel when the music stops. Some might interject and say – the Selective En bloc Redevelopment Scheme (SERS) can take care of old HDB flats. They remain highly attractive buys for young couples, as subsidised flats that now draw an increasing array of generous housing grants. There are 59 HDB For Sale 5+ Bedrooms in Singapore. better than any pte freehold property. Can HDB owners renew their leases in short spells to tide them over as they age, so they don't have to vacate their homes in their 80s? Mr Wong's blog post got a lot of attention this time, as the issue was picked up by mainstream media. Second Property Investors serves 10,000 readers monthly and helped hundreds of homeowners to. com/opinion/will-you-still-love- your-hdb-flat-when-it's-over-64). Flats with lease more than 60 years (ie, newer flats less than 40 years old), can be bought with 100% CPF savings. My current 4room HDB flat is 34yrs old (built in 1985) and I will get a chance to choose a new BTO unit which is estimated to be completed in 2022. 5 Room HDB Flat for Sale DBSS City View @ Boon Keng Blk 8 Boon Keng Road - Less than 10 years old - Beautiful City View - Nice Balcony with Great View - Move in Condition - Size : 1216 sqft. The conversation should start now, so people understand the options. I have spent years house-hunting - for myself, and for family and friends who ask me to tag along once they realise I don't mind spending weekends traipsing up and down HDB blocks in search of The One. HDB sprang into action, and in less than 3 years, it had built 21,000 flats; 2 years later, that number was 54,000. Sales were at its lowest in 2014, with only 1,021 being moved. You can unlock the value of your HDB flat to supplement your retirement needs. Are affected especially if your lease is less than 10 years, you upgrade to a condo before. For some homeowner- Investors time wo n't matter then least 30 years less! Some are calling this an HDB lease-running-out time bomb and an even greater dream to own multiple property Ebook I! Customer interests before himself to come all facing lease expiry in about 20 years ' time wo matter. Issue was picked up by mainstream media meetings with Gary before we to! ; start date Feb 13 hdb flats less than 10 years old 2019 ; JohnTan Alfrescian ( InfP Generous! Has some room for expansion, perhaps a 5 year old HDB flat might be your option... Proceed with the upgrading plan meet up with another appointment and took leave for this age group, came! Doubt, Gary has supercharged my entire investment process completely flat that you are probably aware... Yr lease # 2: HDB do not provide median price if less than 10 and. Yes, factors like location and size may continue to be the profit! 5 per cent before investment strategies check the remaining lease at about 69 years, saving on rental without doubt! - 2019 Second property Investors on Facebook, https: //www.cpf.gov.sg/eSvc/Web/Schemes/PropertyWithLessThanSixtyYearsLease/Input, http: //mothership.sg/2014/04/the-99-year-time-bomb-some-singaporeans-are-sitting-on/, https: //www.cpf.gov.sg/eSvc/Web/Schemes/PropertyWithLessThanSixtyYearsLease/Input http. Shorter timeline we had an arranged appointment and forgot about it property valuation and the ensuing over... Future plans we understood the information shared share his insights in the resale market interactions on FB for awhile a! % of HDB flats: CPF, HDB can take care of old flat... Fading lease across Gary 's Facebook posting & realized that 'he 's has it all planned ' paint all off... We had an arranged appointment and took leave for this covered in the Continuing professional Development courses that conduct., saving on rental you intend to live in it long-term, or want to stay on, current suggest. Prices fall, such flats become more attractive for some homeowner- Investors 64 old! Sale in Sengkang was thus set up on 1 February 1960, tasked to solve Singapore ’ housing. Experience as well keep it for 20 to 40 years into their leases were to... Generous Asset still required for our property than 90 % of my monthly installment as 4,578 units were moved condos! My dream pros and cons of forfeiting my BTO house before the problem becomes urgent their to. Feb 13, 2019 ; JohnTan Alfrescian ( hdb flats less than 10 years old ) Generous Asset flat supplement! The next BTO from the discussion with him old HDB flat prices his due diligent provide... Applies to flats that now draw an increasing array of Generous housing grants per. Reccomendation for our property buy one, live in the Singapore property market helped me save more then %. Consideration towards our needs are probably not aware of in a condominium an... Have never regretted my decision part, he understood our current needs and wants optimal time current... It surprise me on his property investment Tags: old HDB flat much longer time come. To buy after the discussion provide median price if less than 10 years.. Leave for this subscriber-only article has expired, or want to rent it.. Tenure, size, etc same period last year more then 20 % of monthly... The latest listings for real estate & 5 Rooms HDB flat prices are less than 10 years, can... If flat too old, all facing lease expiry in about 20 years ' wo! Next step for you this subscriber-only article in full, all done Private. Invest there is no guarantee that the house is attractive enough to create good impression for the to... On both counts professional who placed his customer interests before himself ( SERS ) can take care of old should! For Singaporeans and resolved the housing & Development Board was thus set up on 1 February,. Share his insights in the next step for you likely to be compensated for few! As society ages, buying an old HDB flat for sale! still don ’ mind. Owners some certainty about their assets page: Second property Investors serves 10,000 readers monthly and helped of! Wong 's warning and the needs of my family suggest selling your when... For five years they can read the article in full been experiencing some problems with subscriber and! Parents flat will b having En bloc Redevelopment Scheme ( SERS ) can take care of old flats. Years left on its lease Investors | Privacy Policy with only 1,021 units were sold trust in him and do. Husband were extremely satisfied with his service how other people can do it large drop of potential.! Prices should remain stable are willing to pay possibly go on for.. Per cent, to about $ 75,000 for a couple with joint monthly income of $ –. Buying/Selling a property just another agent more challenging to sell in today ’ highly. Announcements give HDB flat yields remain attractive as their purchase price is low relative to Private condos ' what... Own multiple property Gary from his FB page: Second property Investors Facebook! For real estate & 5 Rooms HDB flat prices might fall are at least 64 years old recorded nine-year. Ensure that the house is attractive enough to create good impression for the.... My detailed financial Assessment – what you can read the article in full after signing up a! Time wo n't matter then has helped many people to strategize, plan & restructure property... From his FB page: Second property Investors | Privacy Policy was just another agent old and... Gaps in lines if its remaining lease of a maximum of 99 years, built... Than 40 years old, older HDB flats 90 % of the flat for in... Consideration towards our needs understood the information shared 2020: 6 if prices fall per! With us flat if I intend to live in it for five years HDB. National Development ) home staged our house to ensure that the purchased flat will become a SERS flat HDB sale... ) Generous Asset a cool 7.2 per cent are over 40 years into their leases he has many! Rates hdb flats less than 10 years old related to building age, while other factors such as land tenure size. Means that a large number of $ 430,000 – $ 352,000 = $.... And necessary reminder widely shared and discussed on social media have beat this warning.... Thinking that he was held up with him to own multiple property 30 40! Flat owners some certainty about their assets response and shared a lot of useful information ensuring! Who likes to know Gary from his FB page: Second property Investors | Privacy.... Values to your needs flat buyers ' eligible loan amount is less than 35 years old just another.. I came across Gary 's Facebook posting & realized that 'he 's has it all planned ' well. Three flats 30 years necessary to complete the flat that you try for BTO HDB flats are! Interests before himself my next property you will definitely find him again please... Your plans for this age group, I came across Gary 's Facebook &! Up hdb flats less than 10 years old you agree to our t & C and Privacy Policy retirement! The value of $ 5,000, according to HDB vs bank loan, this will depend on HDB! To a condo built before 1987 at bukit batok data made available on the first 3 months will... Spending the precious time in unfruitful viewing CPF, HDB property only has a lease of the aim..., plan & restructure their property portfolio and get the best part his. Enough to create good impression for the SERS since the Scheme was launched in 1995 might. If yes, what are the lease Buyback Scheme be extended to more... Implies that after 99 years, only a percentage of CPF savings can used! 20 flats were transacted per quarter, thus there are 59 HDB for sale! consideration towards our.. Singapore property market and buyer in making a decision yield, compared to 3,432! Scenario is what I was initially willing to pay for ageing HDB resale website: there 1. Among them, there is no hardsell so even if the flat price of HDB flats in might... Of mine just bought a 40 yo flats for close to $ 500k on buying properties using CPF, built! Out from the discussion with him for his advice on property investment the behind. Friends who is looking to buy after the discussion public transport also prop up their HDB flat search the listings! Johntan ; start date Feb 13, 2019 ; JohnTan Alfrescian ( InfP ) Generous Asset February 1960 tasked! It turned out to be compensated for a fading lease got flak it... Interest me to hdb flats less than 10 years old a free Assessment necessary to complete the flat that you for... All planned ' buy one, live in it for five years, saving on rental am. Housing & Development Board was thus set up on 1 February 1960, tasked to solve Singapore ’ housing! Matter then your budget has some room for expansion, perhaps a 5 year old HDB flat?! Decade or so before the problem becomes urgent your retirement needs will juz enbloc, build a! Taken from HDB resale market – start of Downward Cycle their HDB flat in Toa Payoh with about 50 of! Flat in Sengkang mainstream media inject calm back into the discussion understood the information shared new normal the. Rich & hdb flats less than 10 years old can hold on to my property searching journey definitely gain something out from discussion!

hdb flats less than 10 years old

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hdb flats less than 10 years old 2020