The 60-second talking script
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Everyone is analysing what the 15-month policy removal does to HDB prices. I think they're watching the wrong market.
For four years, buying private carried a hidden penalty. Not the price — the trap. In the back of every upgrader's mind: what if I lose my job, what if rates move, what if I can't carry this. And the answer was, sell, wait fifteen months, then buy a flat. Fifteen months of limbo and rent.
That fear sat quietly on every single upgrade decision made since September 2022.
It's gone. The exit door is open. Things go wrong, you sell and move into a flat immediately.
So the risk of owning private property just dropped — without a single price changing.
Private prices already rose zero-point-five percent last quarter while HDB fell. I'd watch private, not HDB, over the next two quarters.