It happens – sweet nothings devolving into verbal antagonistic missiles as the relationship takes a turn for the worse. It becomes even more complicated when a HDB flat is involved. We explore the financial implications and the ways to lessen the blow. — The romance has all but fizzled out and the fat lady, she with the falsetto voice and remarkable throat clearing abilities, is in the middle of her solo. While break-ups and divorces in most other countries are quite procedurally straightforward, separations in Singapore can be a rather complicated affair, especially when a HDB flat is involved. For those not in the know, most Singapore courtships begin in school and plod along steadily until marriage. The key difference though is that many couples apply for public housing, also known as a HDB flat, three to four years before actually tying the knot and being legally married in the ......