For many of us, the first thing we hear about HDB is a comparison,
“Last time flats so cheap… why now so expensive?”

But when you peel back the numbers, the story isn’t as straightforward as it sounds.

In this episode of the DollarsAndSense Podcast, Timothy and Dinesh unpack the truth behind HDB affordability, why flats used to cost less, why they cost more today, and why the full story is more complicated than just sticker price.

They dive into income, grants, interest rates and expectations, and why affordability today is less about “can you buy” and more about what you buy.

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