If HDB flat lessees were owners, many would have been millionaires in en bloc sale

Without a transfer of strata title to HDB flat buyers, HDB retains ownership of the 1 million flats. Buyers remain HDB lessees.

Because HDB ‘owners’ are in fact only lessees, all en bloc decisions are made by HDB.

There are stark differences between real property owners and HDB lessees when it comes to en bloc sale.

 

Unlike private leasehold property owners who become instant millionaires, HDB lessees move on to another HDB flat.

Profits from en bloc sale of HDB flats are retained by … HDB, the only owner of all HDB flats.  Delusional HDB ‘owners’ are left with crumbs.

If HDB is the only party to dictate every term in an en bloc sale, well-educated HDB ‘owners’ should know by now that they have been scammed.

PS
It was only after the privatization of Tampines Court in 2002 that lessees of the 560 units became owners of their flats.  In the en bloc sale last year, property developer Sim Lian paid each Tampines Court flat owner about $1.7 million for their 1700 sq feet unit.

If Tampines Court wasn’t privatized, their owners would have remained lessees.  In a SERS, lessees of the 560 units would likely have been offered a rehousing option, nothing close to the $1.7 million compensation paid by Sim Lian.

 

Phillip Ang

* The author blogs at LikeDatOsoCanMeh.

 

 

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22 Responses to “If HDB flat lessees were owners, many would have been millionaires in en bloc sale”

  • opposition dude:

    And HDB cannot be privatising all HDB flats either, imagine the amount of land private developers would be holding if this was the case.

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  • LIONS:

    HDB must make money out of sgs.
    It must also stop Non-sgs from profiteering from their purchase of hdbs.

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  • oxygen:

    TAKE OUT THE CPF ARTIFICIAL PROP of affordability, the proportion of Sinkies in LEE-jiapore to buy new en bloc launching would dwindle to insignificance. The costs of living is too high now and mortgage bites a big chunk of household expenditures, even in environment of artificially depressed interest rate now (which must be normalising upward soon to long-term trend).

    With CPF inside,future retirement money is gambled away now on a doubtful property bet. The risks is too big as the mass HDB resale market has practically collapsed – those buying for occupation use won’t be selling and those wanting to sell in desperation finds no buyers as lease is shorten considerably.

    En bloc is MERELY ADDING TO VERTICAL INTENSITY, but there is no room for ADDING TO HORIZONTAL DENSITY (i.e. car park, road width access, drainage, power supply and even public transport overload) And don’t forget the higher the floors (for views), the danger escalated of fire coffin entrapment if fires breaks out at on the lower floors out of control

    The biggest DANGER AND RISKS is OVER POPULATION AND OVER UNEMPLOYMENT ACCOMPANYING. Desperate hungry will do anything.

    So there is a natural limit to sustainable density. I believe we long past that. If not, your HDB resale value would still be skyrocketing for now. That mass market has disintegrated means PAPpys knows it is unsustainable of economic realities.

    SPECULATE ON PROPERTY AT YOUR OWN RISKS. I see plenty of ready corpses waiting for the funerals.

    PAPpys knows their POPULATION RECYCLING ECONOMICS have failed – they all DIAM DIAM DIAM.

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  • HDB owner can Be Millionaire:

    There is a huge difference in making you a millionaire and making themselves the millionaires,even though you paid everything of the HDB apartment.
    There is a saying by an old crook, what’s wrong with taking more money?
    By that caveat, if these crooks could change the law to enrich themselves and pilfer billions for free at the expense of meek and wimpy dafts, why not?!
    Remember, dafts have a choice of giving unfettering power or installing check and balance in parliament and many chose the former, so settle with what you voted or opt for regime change.
    Why should you allow the greedy PAP government to rob the share of your wealth? Effectively, what you paid for HDB is no different from that of private. You paid the building and land costs, you paid for maintenance and everything. The only problem is that you misplaced your trust to cheats and scammers, who could claim anything they like, change the rules anyway they like.

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  • Greedy Evil Dishonest:

    opposition dude:
    And HDB cannot be privatising all HDB flats either, imagine the amount of land private developers would be holding if this was the case.

    Why not? It is far better to get the government off matters of businesses. In reality they would not and cannot as where are they able to get the funds to patch the black hole in reserves?, who else could they milk readily? It going to be a windfall as PAP gets to claim the assets for free and then resell them at market, maxing humongous profits out of thin air!

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  • rukidding:

    Sillyporeans kenna “cheated” again and again !

    You don’t own the flat,….yet kenna made to “pay and fund” those Upgrading ?

    How “stupid”, Sillyporeans are !

    “Thinking, Dreaming and Assuming” that the “Hotel room you rented” belongs to you ?????

    That is why I called P.a.p. = Pimps and prostitutes !

    “BIG Bully”, “BIGGEST CON Man” !

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  • To 70% Singaporeans:

    The private property owners can make lots of money through enbloc price rises.
    “Subsidized” flat owners can sell their flats and buy private property to join the club, if you have the means, savings or bank loans.
    Fair? Seemingly
    Meritocratic? Seemingly
    Your peers with rich parents already buy a private property for them while you are still struggling to work part time to pay your school fees, find a “good” job, keep your job to pay back your student loan.
    The rich like Kwek, Lee, Wee own freehold land, build and sell condo on the land as 99 years leasehold – the land returns to these filthy rich 99 years later.
    No wonder the rich are getting richer and their family trust funds are getting bigger that feed their descendants for generations.
    If you cannot get a “good” job or lose your job, it is because the job goes to the most deserved person.
    Fair? Seemingly
    Meritocratic? Seemingly
    How can you be cheaper, faster and better than the millions of foreign talents, real or fake and workers that PAP is embracing?
    PAP wants the labour cost to be low to help the companies to make more money and grow the GDP.
    Higher tax revenue also more pay and bonus for PAP Ministers and public servants.
    Greed never ends, so PAP is going to tax everyone more, including the poor, retirees, jobless by increasing GST that they promised not to increase in GE2015.

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  • Nothing more to lose:

    Since LHL became PM:

    1) wages have stagnated while price of everything went up sharply

    2) many Singaporean lost their jobs to “cheap” (no CPF) foreigners

    3) price of HDB flats have more than doubled

    4) CPF accounts of Singaporeans were depleted after paying for over-priced HDB flats

    5) Overpriced HDB flats are a depreciating asset because of the 99-year lease. They are not a store of value. Asset enhancement will never fully offset the steady and continuous depreciation of the flats so that their market value after 99-years is ZERO.

    Bottom line: Singaporeans have lost their jobs and savings in their CPF after paying for over-priced, depreciating HDB flats.

    By now they should have realized that they really have NOTHING MORE TO LOSE. So they better follow the example recently set by Malaysians – VOTE FOR REGIME CHANGE at the next GE.

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  • ganeshsk:

    The opposition must come on a platform in 2020 sand say it will make all hdb falls freehold to right this farce.

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  • opposition dude:

    Greedy Evil Dishonest: Why not? It is far better to get the government off matters of businesses. In reality they would not and cannot as where are they able to get the funds to patch the black hole in reserves?, who else could they milk readily? It going to be a windfall as PAP gets to claim the assets for free and then resell them at market, maxing humongous profits out of thin air!

    PAP is greedy but if they are going to surrender so much land to private developers then how are they going to claim it all back when 99 years are still far off?

    You know how PAP does things. Get something for cheap or free (land that used to belong to Singaporeans, CPF) and then try and sell it or lock it up (too expensive housing and the CPF Minimum Sum). Or they would rather somehow sell the land to private developers and then change the rules later. Something like that.

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  • oxygen:

    THE BIG PARTY MAY BE ABOUT TO COMMENCE SOON – I just crossed over and checked the US financial market and saw these developments

    - 10 yr US Treasury bond yield surged strongly past 3%

    - 10 yrs German Bunds is still sitting at 0.6%

    - US dollar rebound against – DXY is now 93.16, Australian dollar tumbled in opposite direction at A$1 converting to US$ 0.7474

    - Gold tumbled below US$1,300 per oz at US$1,294 a 5 months low

    and US stock indices are heading south again.

    THE FED HAS TALKED PUBLICLY about 4 rate hikes this calendar yr. It is now mid-May and FED has done nothing till now. If they raised interest rates 4 times in the remaining 7 months, the STOCK MARKET WILL ROCK will spin south. That is to say the Fed is behind the curve – same as a Bundesbank which has not seen a rate hike for years. The market is reading surging inflation central bankers have not yet factored in its calculus. There is no safe havens – equities, bonds and gold tumbled. Investors are hiding in US dollar expecting US interest rate to hike up and if it did there could be financial market instability and asset prices repricing globally. The US 10 yr bond yields surged past 3% from its 2017 bottom TWICE NOW in recent two weeks and this time with stronger conviction on technical chart read.

    Is this the turning point of market correction and global economy? I wonder.

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  • oxygen:

    REMEMBER WHAT I WROTE IN TRE YESTERDAY EVENING below? Guess what the financial news headline read of Marketwatch.com this morning?

    Here you go.

    Bonds, stocks and gold all falling at the same time means there is almost nowhere to hide

    https://www.marketwatch.com/story/bonds-stocks-and-gold-all-falling-at-the-same-time-means-there-is-almost-nowhere-to-hide-2018-05-15

    EXACTLY AS I WARNED LAST NIGHT OF NO SAFE HAVENS to hide in shelter – equities, bonds and gold all got a caning.

    What about DEBT-FINANCE liabilities bet like property when interest rate spike up over the next 6 to 12 months faster than Central Banks can envisage?

    The 10-yr US bond yield last night close at 3.078% – its highest since 2011.

    So it really looks like a real fun-filled party ahead for property-mad-vote-PAPpys mob of stupidity to impossibility.

    oxygen: THE BIG PARTY MAY BE ABOUT TO COMMENCE SOON – I just crossed over and checked the US financial market and saw these developments

    - 10 yr US Treasury bond yield surged strongly past 3%

    - 10 yrs German Bunds is still sitting at 0.6%

    - US dollar rebound against – DXY is now 93.16, Australian dollar tumbled in opposite direction at A$1 converting to US$ 0.7474

    - Gold tumbled below US$1,300 per oz at US$1,294 a 5 months low

    and US stock indices are heading south again.

    THE FED HAS TALKED PUBLICLY about 4 rate hikes this calendar yr. It is now mid-May and FED has done nothing till now. If they raised interest rates 4 times in the remaining 7 months, the STOCK MARKET WILL ROCK will spin south. That is to say the Fed is behind the curve – same as a Bundesbank which has not seen a rate hike for years. The market is reading surging inflation central bankers have not yet factored in its calculus. There is no safe havens – equities, bonds and gold tumbled. Investors are hiding in US dollar expecting US interest rate to hike up and if it did there could be financial market instability and asset prices repricing globally. The US 10 yr bond yields surged past 3% from its 2017 bottom TWICE NOW in recent two weeks and this time with stronger conviction on technical chart read.

    Is this the turning point of market correction and global economy? I wonder.

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  • Boh Bian = Boh Brain:

    This is how Singaporeans perceive the HDB asset depreciation issue :

    1. We invoke the excuse called Boh Bian.
    This means they say they surrender to the situation.
    Surrender means they won’t retaliate nor fight it.
    They are resigned to their fate.

    So, WHATEVER is the issue affecting Singaporeans, because they are so afraid and timid, they will be happy to just stay alive by not retaliating.

    How well do you think I have described the true blue Singaporean mentality?

    Does it strike a cord in you?

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  • oxygen:

    DR CHEONG KOON HEAN, HDB CEO BRAVELY CLAIMS PUBLICLY that her 2 rm-flexi is much loved and chased by retirees. Is this real OR SHE WAS JOKING? Or was that her excited exuberance got the better of her strange disconnected to reality? She even claims to her right NOT to answer any or specific questions from attendees to her public lecture recently.

    MY TAKE IS THAT HDB’s 2 rm-flexi is a TOTAL DISASTER of a WHITE ELEPHANT.

    Why?

    Here is the compelling clues from Cheryl Chan, PAPpys MP from Fenshan when she said three things

    - retirees are having a lot of difficulties monetizing their older flats

    - older flats exceeding 40 years of age are INCREASING year on year and with DECREASING LEASE LIFE as each year passes on

    - the Selected En Bloc of public housing estate needs to be expanded, precinct by precint.

    PUT IT ALL TOGETHER, RETIREES TO HER KNOWLEDGE ARE UNABLE TO FUND THEIR 2-rm flexi lease because they are unable to liquidate their current abode, IT WILL GET WORST,. So who is bidding now for new BTOs 2 rm-flexi except the ghosts in HDB’s wild imagination? And as years past on, their dreams of downgrading disappears like a puff of cigaretee smoke. Almost will die on the same bed and same HDB unit where they bought the first time or in their downgraded 3-rm bought from resale market – WORTHLESS.

    Cheryl Chan suggestion of selective en bloc of public housing estate is dumb of economics.Land values will fall. Private condo values will sink – banks will ask for top-ups. Developers who paid through their a*uses for inflated land valuation will all go bust if they cannot absorb losses as new developments in public housing en bloc in mature estate comes with AMPLE land a lot cheaper in competition. Or they could find their new development launch also no BUYERS as all buyers cannot liquidate their “older” flats or condo which has lost much of its value.

    So don’t be surprised that BTOs in the next few years will come with full occupations of 3-rm to 5rm units AND ALL 2-RM FLEXI VACANT. Some of the recently completed HDB BTOs now ready for occupation might also exhibit this strange phenomena – poor take up rate and most of the 2-rm flexi UNOCCUPIED waiting for buyers THAT NO LONGER EXISTS.

    Retirees have no money – meagre CPF tied down to annuity is not even sufficient for food.

    PAPpys ASSET ENHANCEMENT POLITICS SCAM HAVE SMACKED THEIR TEETH OF LIES INTO SHATTERED DAMAGE BEYOND REPAIR.PAPpy is in self-denial mode.

    GE 2020 WILL SEE THE LEE-jiapore tsunami from the elderly and generation Y unemployed and underemployed en masse. The motherhood preaching in Parli sound like comical preaching of sex…sex…more sex in a tight spot.

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  • think:

    The PAP has survived by making Singaporean prosper and PAP will not survive if it made SIngaporeans poor.

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  • never voted pap:

    think:
    The PAP has survived by making Singaporean prosper and PAP will not survive if it made SIngaporeans poor.

    sorry, bro. not true.

    clown pap is still prospering despite 30% water hike, over priced under sized HDB, property tax on leased HDB from lessee, and so on.

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  • Ah Peng Kia:

    think:
    The PAP has survived by making Singaporean prosper and PAP will not survive if it made SIngaporeans poor.

    You are wrong. PAP survived through election bribes, snuffing out strong opposition candidates unethically, and gerrymandering. Just one example of the latter – parts of Serangoon belong to Marine Parade GRC. Imagine, one even has to change buses and trains in order to get from one part of Marine Parade GRC to another!

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  • oxygen:

    @ think

    YOU ARE DEAD WRONG of assertion below. PAPpy is MAKING Singaporean poor all these while – only the impact has been delayed, cleverly concealed and sly cunning to the finality of inevitability of economic reality. Most peasants are dumb to impossibility – their senses dulled by serial brainwashing and servitude blind obedience. Most haven’t woke up and some will NEVER WAKE UP.

    think: The PAP has survived by making Singaporean prosper and PAP will not survive if it made SIngaporeans poor.

    Let me explain why. The asset enhancement scam originates in G2. Ask any economics professor, they will tell you this – asset bubble economy TRANSFER WEALTH FROM THE POOR TO THE RICH. How? When property values inflates far beyond economic sustainability, it is ONLY THE RICH with multiple properties gain on sale/trading of their investment. The poor owns only one home, if he sells it, he has to buy another to shelter his family. Sell higher than costs, buy your next home even higher. But for the poor peasants, he is SALIVATING A MIRAGE OF WEALTH. Wealth is only created when you sells your assets and exchange for financial resources to raise your standards of living. Expensive accomodation is not wealth but expanding your liability but making you feel (STUPIDLY) RICH. The rich sells many houses – the money fund their holiday, best healthcare and keep a harem of concubine mistresses. Now that is real wealth.

    Who keeps the asset bubbles going? It is the property crazy peasants. To induce them to carry that over excessive financial burden and load beyond economic and financial affordability of oversized mortgage liability, PAPpys gives you GRANT and allow you to use your CPF (which they won’t even release past 55 for peasants foods/healthcare costs) to bet on property liability. This cycle goes on until the economic bubble burst – PMETs retrenched and their fresh grad kids engaged in cockroach capitalism to survive. No more gamblers for property.

    Retirees can’t afford 2 rm flexi because they can’t monetize their fake valued HDBs. Bubble burst! But before that G3 add fuel to fire – 2011 election, PAPpys promises heaven on earth – estate upgrading for votes while HDB leases expiring to falling values. G4 ALL DIAM DIAM DIAM, got no solution or clueless as Leejiapore fell apart or both. It is now G5, Cheryl Chan cranks up some more dumb stupid economic idea of en bloc of public housing adding to land supply, screw up private property values and farked up recent en bloc developers’s enhanced risks to bankruptcy.

    PAPpypolitics screwed peasants to poverty.

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  • oxygen:

    @ Think

    AFTER THE BUBBLE BURST, the majority of peasants – even those who have no interest in property speculation – are all caught in the tsunami wave rush in and receding back into the ocean. The beauty of tsunami is that it does NOT discriminate on gender, race, religion, economic background or whether you worked hard, thrifty and save whatever you can from 30 years of slave labor.

    So asset enhancement scam is very cruel, cunning exploitation of wealth extraction. It is the masses at the bottom paying for/buying inflated-price property assets to keep the bubble frothy. In the past, 5 roomers upgrade to suburban low-end condos and ECs and those from low-end condos and EC upgrade higher to BIGGER LIABILITY -oblivious to the risks that they are putting a rope round their neck waiting for economy to bust and hanged them dead. But most will have only one property – his home. Idiots all salivating a MIRAGE of wealth but not wealth.

    THE MASSIVE BULK OF THE BURDENSOME LOAD RESTS ON THE SHOULDERS OF POOR PEASANTS – the 80% peasants living in public housing. They all of duped – stupidly hallucinating in crazy dreams they are rich – ignoring that their children paying BTOs benchmarked to over-inflated and overvalued HDB resale market.

    Now it is Cheryl Chan who told all peasants that retirees are finding it very difficult to monetize their older flats.

    YOU HAVE TO WONDER IF HDB KNOWS OF THIS FACT earlier and if so, WHY HDB IS SILENT leaving a lot of retirees committed to 2-rm flexi but perhaps found themselves trapped in the quagmire of no money to take their key. They GOT NO MONEY without first selling their old flats. A lot of them don’t have the minimum sum in their CPF account, so the lion share of the proceeds of monetized (if at all) flat sale goes into topping that CPF account. Some might struggle to pay their 30 yr 2-rm flexi which on per sq ft basis is priced higher than a 5-rm BTO on equivalent 99 yr lease terms.

    So PAPpypolitics and PAPpynomics of asset enhancement scam burns the candle on both end for the poverty stricken peasant retirees – the older flat is worthless, the 2 rm flexi is cutting up their a*ses of affordability pressure and pain.

    And a BIGGER PAIN IN THE A*SE IS LOOMING FOR THEM. What if trapped in hospitalisation with surgery done, desperate for cash, and can’t find ANY BUYER for their old flats with 50 yr lease left in them. Are they going to left to die in the hospital bed or send to some hospices to die or some tent-like “ward” to die because no money?

    THE COLLAPSE OF THE ASSET ENHANCEMENT POLITICS IS A VERY SERIOUS MATTER OF WEALTH EXTRACTION OF THE PEASANTS GONE BADLY WRONG.

    WHAT DO YOU THINK?

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  • tokking ''pretentiously'':

    //clown pap is still prospering despite 30% water hike, over priced under sized HDB, property tax on leased HDB from lessee, and so on.//

    and now white idiots are tokking ”pretentiously” about inequality and trying to help. well, many daft sinkies love to listen to the white idiotic grandma stories.

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  • no choice but to downgrade:

    //DR CHEONG KOON HEAN, HDB CEO BRAVELY CLAIMS PUBLICLY that her 2 rm-flexi is much loved and chased by retirees//

    two ways to look at it. either 2-rm is really positively fashionable popular – e.g like those chic studio apartments for single professionals.

    or retirees boh pian got no choice but to downgrade – better than sleeping on the streets or under flyovers – plus the opportunity to exercise by collecting cardboards in sinkie land.

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  • oxygen:

    @ No choice but to downgrade

    THE 2 RM FLEXI I understand from informed sources is NOT AVAILABLE to be sublet or sold in resale market. The lease are for 15 yr, 30 yr or 45 yrs. It is not sold to single professionals looking for chic studio apartments with such limited lease life. Chic studio apartment for single professionals would prefer more classy location than remote nowhere without amenities/conveniences of mature HDB estates.

    Retirees downgrade wants to monetize their old flats – too big and too expensive to maintain of wasted unused space. But if they find difficult to unload as Cheryl Chan, PAPpy MP from Fengshan SMC confessed (not refuted by other PAPpys MPs), where are they going to get the money to buy another 2 rm flexi? There is an old Chinese wisdom saying – your life is blessed lucky if you die on the bed you normally sleeps on. How many bed do these retirees want to die on? One over-sized 5 rm HDB and another 2 rm-Flexi in remote locations without nearby kids and relative in support of physical convenience and DEPLETED OF ALL CASH SAVINGS?

    The only way out for PAPpys is this – CUT OUT THE THEFT OF PRIVATE PROPERTY by elimination of the capital gain tax disguise as HDB resale levy AND let retirees pay the full 2-rm Flexi NOT BY ONE LUMP SUM but by equal apportionment of the lease amount over the number of months in the signed lease, Therefore a 30 year lease equates to 360 months such that a lease of $ 52,000 needs to be PAID MONTHLY of $144 per month.

    And when the lessor died – let say, unfortunately 6 months after taking occupation, his total payment would be $866 in total and the rest forgotten. The flat is resold to the next buyer. In this way it is convenient to HDB and to every retiree.

    IS HDB IS GAME FOR THIS?

    no choice but to downgrade: two ways to look at it. either 2-rm is really positively fashionable popular – e.g like those chic studio apartments for single professionals.

    or retirees boh pian got no choice but to downgrade – better than sleeping on the streets or under flyovers – plus the opportunity to exercise by collecting cardboards in sinkie land.

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