Those of you who are in your later 30s or early 40s would have noticed this interesting anecdotal realisation:

Your peers who got married 5 or 10 years earlier than you are either having a housing mortgage that’s 100 to 200K lighter than you; or living in condo land while you are still “stuck” in the HDB heartlands…

Yes, there’s such a thing called 2 bites of the HDB cherry and springboard to the next realm of private properties.

Even if your peers had stayed in the same HDB flat all this time, you are envious their housing mortgage is a fraction of yours, and can be debt free by 55 or earlier; while you continue to have this housing loan albatross hanging around your neck till 65…

That’s where you also see married graduates in their 30s buying resale HDB 5 room flats in mature estates to be neighbours with despatch riders or bus captains.

You study while others got married in their early 20s. You bought resale while others bought direct from HDB 10 years ago.

Those of us with less formal education will flash our wry smile to those “educated types” who try to “tell” us to marry late… Sorry hor! We can think for ourselves! Thank you very much!

P.S.  I would like to share this piece by a new blogger who gives an interesting viewpoint from a younger person perspective:

Yes! Don’t you dare “propose” to a girl with, “Want to apply for HDB BTO together?” 

If I’m the girl I’ll probably kick you where it hurts the most and show my longest finger to your face, “Neh!”

Girls, let’s sing together now, “If you want it, put a ring on it!”


Singapore Man of Leisure (welcome to my blog; just google it!)

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