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My first post for 2023, happy new year everyone! Many assume a substantial 30-40% crash for Singapore property market will likely be disappointed. The reason for this is because, many use past examples like during the Asian financial crisis and the Lehman crisis to compare.  Those eras were very different from now. During those days there were no tdsr or ltv. Buyers during that time are able to take on high leverage and buy many properties at once by just paying a small down payment for each unit they bought. There were no seller stamp duty or absd to discourage speculation. They can contra and off load anytime they wish and...