I hear you yelling already. You don’t want to believe me, and that’s ok. But you better believe this guy. “Is it fair? I think it’s fair” – Prime Minister Lee Hsien Loong Ok? Done? Can we all stop yelling now? Get it into your head. Just like your car that has to be scrapped after ten years. Just like your bread that expires in a week. Your house comes with an expiry date. Sooner or later, you will lose. Don’t ever forget it. Your “Investment” in your HDB Flat gets worse each year as the 99-year leasehold shortens. Each year you’re staying in a HDB Flat is a year where your money is slowly evaporating. To make things worse, these are things to note for when your flat has a leasehold of fewer than 60 years ...