After reading Uncle8888's post, I thought I would just do a quick post on how one would fare buying a HDB 4-room resale flat that costs $360,000 as a single (assuming single at 35yo and flat is with 70 years lease left i.e TOP 1991).
The table below is a super simple illustration of the rental yield plus saving over a period of 70 years, assuming the rental of a room is $600 per month.
Disclaimer: I did not factor in inflation of rental over the years nor utilities / income tax or possibility of years when there's no tenant renting.
| Year | Renting cost | Collection of rental (2 rm rented out) | Rental yield + saving |
| 1 | 7200 | 14400 | 21600 |
| 2 | 14400 | 28800 | 43200 |
| 3 | 21600 | 43200 | 64800 |
| 4 | 28800 | 57600 | 86400 |
| 5 | 36000 | 72000 | 108000 |
| 6 | 43200 | 86400 | 129600 |
| 7 | 50400 | 100800 | 151200 |
| 8 | 57600 | 115200 | 172800 |
| 9 | 64800 | 129600 | 194400 |
| 10 | 72000 | 144000 | 216000 |
| 11 | 79200 | 158400 | 237600 |
| 12 | 86400 | 172800 | 259200 |
| 13 | 93600 | 187200 | 280800 |
| 14 | 100800 | 201600 | 302400 |
| 15 | 108000 | 216000 | 324000 |
| 16 | 115200 | 230400 | 345600 |
| 17 | 122400 | 244800 | 367200 |
| 18 | 129600 | 259200 | 388800 |
| 19 | 136800 | 273600 | 410400 |
| 20 | 144000 | 288000 | 432000 |
| 21 | 151200 | 302400 | 453600 |
| 22 | 158400 | 316800 | 475200 |
| 23 | 165600 | 331200 | 496800 |
| 24 | 172800 | 345600 | 518400 |
| 25 | 180000 | 360000 | 540000 |
| 26 | 187200 | 374400 | 561600 |
| 27 | 194400 | 388800 | 583200 |
| 28 | 201600 | 403200 | 604800 |
| 29 | 208800 | 417600 | 626400 |
| 30 | 216000 | 432000 | 648000 |
| 31 | 223200 | 446400 | 669600 |
| 32 | 230400 | 460800 | 691200 |
| 33 | 237600 | 475200 | 712800 |
| 34 | 244800 | 489600 | 734400 |
| 35 | 252000 | 504000 | 756000 |
| 36 | 259200 | 518400 | 777600 |
| 37 | 266400 | 532800 | 799200 |
| 38 | 273600 | 547200 | 820800 |
| 39 | 280800 | 561600 | 842400 |
| 40 | 288000 | 576000 | 864000 |
| 41 | 295200 | 590400 | 885600 |
| 42 | 302400 | 604800 | 907200 |
| 43 | 309600 | 619200 | 928800 |
| 44 | 316800 | 633600 | 950400 |
| 45 | 324000 | 648000 | 972000 |
| 46 | 331200 | 662400 | 993600 |
| 47 | 338400 | 676800 | 1015200 |
| 48 | 345600 | 691200 | 1036800 |
| 49 | 352800 | 705600 | 1058400 |
| 50 | 360000 | 720000 | 1080000 |
| 51 | 367200 | 734400 | 1101600 |
| 52 | 374400 | 748800 | 1123200 |
| 53 | 381600 | 763200 | 1144800 |
| 54 | 388800 | 777600 | 1166400 |
| 55 | 396000 | 792000 | 1188000 |
| 56 | 403200 | 806400 | 1209600 |
| 57 | 410400 | 820800 | 1231200 |
| 58 | 417600 | 835200 | 1252800 |
| 59 | 424800 | 849600 | 1274400 |
| 60 | 432000 | 864000 | 1296000 |
| 61 | 439200 | 878400 | 1317600 |
| 62 | 446400 | 892800 | 1339200 |
| 63 | 453600 | 907200 | 1360800 |
| 64 | 460800 | 921600 | 1382400 |
| 65 | 468000 | 936000 | 1404000 |
| 66 | 475200 | 950400 | 1425600 |
| 67 | 482400 | 964800 | 1447200 |
| 68 | 489600 | 979200 | 1468800 |
| 69 | 496800 | 993600 | 1490400 |
| 70 | 504000 | 1008000 | 1512000 |
