Does Your Income Match Your Housing Type?

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Many people often wonder if they can afford to stay in private housing. There are various ways to find the answer. You can ask a bank, calculate your debt ratios, use our 7.6x guideline, or compare your income with the average income of your desired housing type – which is the main topic of this article.

The easy way is to ask your banker. But if you and your spouse are working professionals with stable incomes, your banker will most likely grant you the loan even if you will be overstretching yourselves to pay the loan installments. See how a couple got saddled with a property loan they can hardly afford.

To be safe, we recommend you carefully consider your condo purchase (or landed property purchase). Read our articles on debt ratios and 7.6x guideline, and do your sums properly. And with the recent release of the Household Expenditure Survey (HES) report by the Singapore Department of Statistics, there is one more way to confirm if you’re suited for a certain housing type.

According to the HES report, the average monthly household income of families staying in private housing is $17,795/mth.

Families staying in landed properties make an average of $20,427/mth, while those in private apartments (including condos) earn an average of $16,311/mth.

If you and your spouse earn far below these amounts, you have to at least be aware that you will be far below average.

If you stay in HDB or plan to buy a bigger HDB flat, here are the numbers for you to do the comparisons:

  • 1- and 2-room HDB flats – average monthly household income is $1,186
  • 3-room HDB flats – average monthly household income is $3,503
  • 4-room HDB flats – average monthly household income is $5,114
  • 5-room and Executive HDB flats (including maisonettes) – average monthly household income is $8,177

See also Leong Sze Hian’s observations on the HES report.

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124 Comments

  1. More than 10K less than 16K on

    Even if i scarifice my career for 2 years to go through the multiple balloting exercise, meaning get 24K less and i can save 300K, i think shd be worth it?

    How long do i need to save or excel in my career to accumulate 300k?

  2. more than 10k: nothing is given with this economy and holding back your career 2 years may mean you can not catch up or lose all the opportunities.
    I know nothing about your line so you need to think carefully about it yourself.
    If either you or both you and your husband can double your salaries in a few years I believe 300k would be nothing to you then.

  3. Many people have long called for a review of the 8k income ceiling, but HDB has not done anything about it. I’m guessing they’re afraid of even more demand for new flats. So it’s a moot point to ask for a review of the 8k limit.

    >what are the conditions to stretch loan to 35 years?

    You have to talk to a bank. At my time, most banks take 65 minus your age and loan you for that long.
    Eg, if you’re 30 years old, they will be happy to loan you 35 years.

    Have you also considered buying a smaller flat now and maybe upgrade in future?

  4. More than 10K less than 16K on

    well, i dont think we can double income in a few years (we are not commission based pple, we are typical office work pple). We are quite stagnant and our incomes will probably grow at 4-5%, best case scenario…

    It’s ok, thanks all for sympathy and advise…really appreciate all advise… i have talked to many people abt it… they initially reacted the same way as all of you asking me to cut this cut that. When they have a better understanding of my life and situation, they reaslise that i am doing what i can already and cannot help but sympathise with me. In fact all insurance agents and finance advisers are shocked how little i spend and how systematic i am tracking expenses.

    I guess i just have to pray for increment or HDB to review the policy…(or get another boyfriend?)

    And if none of these happens.i always have my 3rd and best choice…which is status quo(remain single)…

    As long as i don’t get married or have babies, i am not into this ‘rat race’ (or resort to gambling in IR) and i will continue a debt free life…

  5. More than 10K less than 16K on

    U mean buy a OLD resale 3 room flat for 300K, while your friends earning 1 K less pay 300K for NEW HDB 4/5 room ?

    Pay cut is better option…

  6. More than 10K less than 16K on

    “Many people have long called for a review of the 8k income ceiling, but HDB has not done anything about it. I’m guessing they’re afraid of even more demand for new flats. So it’s a moot point to ask for a review of the 8k limit.”

    >>> I agree…that’s why i feel we should get those that make more than 20K to move out of HDB…

  7. more than 10k: forcing those that make more than 20k to move out of HDB would not be fair plus it wouldn’t resolve the issue? 🙂
    that would only just burden them with overprice private housing and prop up housing prices across the board.

    i think the govt needs to review their foreign import policy and their stellar affordable housing record.
    that would be the better option.
    i’m also waiting for pigs to fly.

  8. more than 10k: Your statistics are skewed and you missed the most important point. Is there a new HDB flat being offered that is half the price of the resale in the same location at the same time?

    Also, why do you need a huge flat? I enquired about 4-room flats in Tampines recently and they are less than 400k, well within walking distance to Tampines central and very near good primary schools for kids.

  9. More than 10K less than 16K on

    I have no problem living in a smaller flat.

    It more of the reality that just because i make 1K more, i have to live in a smaller, old estate. While others with 1K less pay the same 3ooK for a bigger and new flat.

    While a agree cheap flats are for pple making less, my friends making 20K lives in a HDB flat too…(just because when she got married her income was 8K and below..) Why is the check on pt of purchase only? Can we have a system to check on household income every 5, if not 10 years?

    Life is not always fair, i know…
    reality sucks and reality bites. I know…

  10. More than 10K less than 16K on

    Dear Middleclass,

    why is it not fair for pple making 20K to move out of HDB and fair for pple making abt 12K not to own new HDB?

    Using the word “burden” on household making 20K instead od 12K?

  11. more than 10k: what i’m saying is that it’s unfair to burden anyone to take up excessive loans for overpriced properties that they do not want.
    it’s definitely not fair to impose the $8k too.
    two wrongs doesn’t make a right.
    let’s focus on the real issue here – our highly paid govt doing a first rate bang up job of providing Singaporeans affordable housing.

  12. More than 10K less than 16K on

    Yes Middle class, i agree, the issue here is affordable housing and where to draw the line 8k, 12k?…

    yet not whether shd i stay in a ulu place or smaller place, new or resale flat…

  13. I wld like to disclaim that Im NOT protecting the gahmen n I dun work for H co. I hear many ppl complaining abt “good” flats at affordable prices, frens & relatives. (But they jus dun action)

    1) If everyone gets a good flat at affordable price n no one can complain abt their fren who earns lower income n got a gd flat at lower price… DEN most likely, it is NOT a free mkt. Den we will live in a commun**T society liao, cuz ur flat will be assigned to u. Wld u b happier when u know ur flat wont appreciate in future?

    2) Is it realli possible for everyone to get their wish answered? Can everybody stay near town at the same time? There’s oni 1 Orchard. But the gahmen does try its best to create many mature estates. Why do u thk they build shoppg ctrs n town ctrs n aircon intchg?

    3) Why gripe abt it when u did nt do ur research b4hand n buy ur flat earlier n study the ppty cycle? Yes, luck plays a part.

    4) Yes u can complain that u started working at the wrong time. When u wan to make babies, ppty mkt went up oredi. Dats life. It happens every 10 yrs. I graduated in yr of SARS n almost cldnt find a job. Jus work harder. Stop comparing urself to ur fren who prolly bght her flat earlier cuz she took the plunge.

    5) I agree they shd allow ppl who >8K but <16K to buy new flats, mb 5rm/execs.

  14. if you are a better than average income earner and you can’t afford HDB, then something must be wrong.

    it’s obviously a bubble. these flats, the way they are priced, are not meant for people to stay but for people to speculate.

    will the bubble burst? it may take years. the US housing bubble grew for more than 5 years before finally bursting 1-2 years ago.

    what can you do? not much. but surely you can buy a smaller flat at a less central location. or you can rent.

    if you blame luck, then look at the people who bought at the 1997 peak. some are still under water. but they survived anyway.

  15. cheapo: since when do we have a free market? Who controls the land, allocation, construction and sets the prices?
    I know I could be speaking from a privilege position but I for one would not hope that housing appreciate as it has.
    Salaries will never be able to keep up so how would the future generations live?
    Ever noticed that cheaper, better, faster applies to Singaporeans but never to anything else?
    Do you smell the irony?
    Lastly, again I’ll ask you to think about who’s policies caused these affordability problems?
    Let’s not put the blame on Singaporeans again and again like what the propaganda machines do every time.
    I think they love to tell everyone to shut up and sit down.

  16. Also to further clarify I think the whole sell about housing being an asset is all bull crap.
    Unless you own properties other than your primary ’99 yrs rental’ house you should never depend on it for retirement or investment.
    The funny story about how the govt is preserving the value of your housing by artificial means goes against the free market mantra they talk so much about and yet only enriches certain pockets.
    Why should the next generation pay for your mistakes if you bought an overpriced house?

  17. More than 10K less than 16K on

    Hi all, i think no matter wat, we need a cap on HDB. Anyone will be upset if millonares buy HDB and make $ out of it. Just that we need to justify the cap for HDB.

    Other options for non-HDB is resale or pte. Then we need to monitor the prices of them and adjust the cap accordingly to ensure the alternative is affordable.

    HDB prices their homes by pegging to private housing. I am questioning if the cap should also be pegged accordingly…

    make sense?

  18. More than 10K less than 16K on

    Honestly, i do not think we should blame anyone for escalating housing prices. This is the situation everywhere. Cos land is always limited.

    What we need here is to ensure affordabilty. We have Debt service ratio etc as guiding principal. Can we think of more creative and effective polices than just set a 8k cap and end of story?

    Just like car situation. We have COE, ERP, etc to control the situation. And the COE prices changes according to market condition. Car is a luxury and not a necessity.

    I just need a home i can afford. What are my priviledges as Singaporean? Paying tax is not a priviledge… and just because i make 1K more, i suffer the fate?

  19. Hi middleclass,

    Im nt an econs student so I will not make assumptns abt what I do nt know, like what constitutes a free mkt or nt. I only know our mkt px is demand vs supply. Yes, hdb direct prices do set a base. But hdb direct prices do move with the times. So it still depends on when u buy.

    My point was actually to highlight there is no “fair” or not. Cuz its a free society vs communist society la. Geddit?

    Btw I dun subscribe to conspiracy theory oso. My hub likes to watch X-files though. If u realli go into the theory, den gotta make everyone stand in a line n declare they vote for majority or minority every 4 yrs liao. Chances are those who subscribe to conspiracy theory r still in majority.

  20. Hi more than 10K,

    Perhaps the gahmen can cap COVs. Cuz I look at my frens ard, their prob smetimes is the high COV even if they’re willing to stay in ulu towns n buy 300K flats. But then again, becuz we are in a “free” mkt, alot things happen under the table so even if gahmen say cap cov, will it realli work?

  21. Food for thought.

    Which is the lesser evil?

    The one who dun give u ur hdb house at a “reasonable & fair” price?

    Or the pte ppty developer who buys a freehold land (999) and den builds condo n sells it as leasehold?

    Or the pte ppty developer who developes 5 blks, releases it in stages so that they can control the supply and the price, ineveitably?

  22. cheapo: nope, i don’t really ‘geddit’.
    You lost me with the conspiracy theory and free society vs communist society talk.
    But since we are talking about affordable housing and you understand demand vs supply let’s try this again.
    Demand: do you think that the govt policy of liberal immigration policy opening the floodgate to foreigners drive up priceing and overheat the housing market?
    Supply: do you think the HDB deliberate policy of under supplying public housing in order to ‘preserve investment’ drive up pricing and overheat the housing market?
    Limited land in Singapore?
    How much land are used for building golf courses?
    And if we are really dealing with limited land to build then for the public good why are we still selling off land to build more luxury private development?

  23. there are huge plots of land in singapore, totally empty, some quite near mature estates, eg those near bedok reservoir along tampines ave 10.

  24. Hi middleclass,

    Its ok, thanks. I oso dun realli “geddit” since my econs no gd. U realli sound like sme economist. Mb u shd b in civil scvs so hdb prices will come dwn n become affordable hsing.

    Just to sidetrack, are there new land recently used for golfcourse dats near hdb? Wld like to noe cuz I stay hdb n im like further-est away frm town.

    Actually I do not agree with ur dd & supply “theory” cuz Im not sure if our gahmen is actually smart enuff to do dat (hence the conspiracy theory). But im quite sure their headcount planning not done properly. I oso dun thk building mre luxury condos will curb the px nw, nt with our kinda island landsize la. Unless u build every single buildg like duxton. 😛 Its all abt mkt sentiments. Or mb declare dunch build the 2 casino n den all the foreigner go hme, den u get alota housing suddenly. Though I dun thk sporeans will suddenly become happy oso.

    I truly hope more than 10K can find her dreamflat. It takes time, adjustment of expectations, facing reality and action. In that order. But its achievable so hang in there 🙂

  25. More than 10K less than 16K on

    Dear Cheapo,

    Thank you so much… i am not even looking for a dream flat… i just need a roof over my head that wont make me eat bread for 3 meals…

    Anyway, in free market no 8K limit one…

  26. More than 10K less than 16K on

    Anyway i am seaching for a place at property guru now… all 500K+ leh

    where got cheap property?

  27. > i just need a roof over my head that wont make me eat bread for 3 meals

    you said it liao. so why not a 4-roomie in Jurong West? the resales there are all 200k-300k, with only a few outliers at 400k.

    wait… i think you also mentioned you need to stay near your parents and also can’t bear to see your peers buying new at 300k while you fork out 600k.

    as cheapo said, “It takes …, adjustment of expectations, facing reality and …”

  28. Hi Middleclass, it was nice chatting with u. Haf a great wkend too!
    🙂

    Hi Simplelogic & more than 10K,

    Horrors I live in Jurong West lor!!! haha. Its not dat bad la. We got near golfcourse oso le. Jurong golfcourse.

    More than 10K, if u ever decide to move to ulu place like jurong, we take mrt together ok? I oso hate the train la. SO i keep looking for 2nd hand car nw 😛 Life goes on….

    Cheers & gd weekend to all!!!

  29. Poor but surviving on

    Wifey and I make more than 8k a mth.

    Cost of our 5 room hdb resale > 500k. Got it one year ago. Near CBD area.

    Appealed and got HDB grant and loan. Down payment about 20%.

    No need to use extra cash for loan, all CPF.

  30. Our pay is seriously too low in Singapore compared to the property prices. However, I do feel that our 8k ceiling is required to make it afforable for ppl who are in the lower income zone…..the fact is that there is a big income gap in our society right now…the govt has to address this….the 8k ceiling means not many ppl are eligible to buy direct from HDB…thereby benefitin the lower income ppl…..if the ceiling is raised to say 10K…it means more ppl are competin with the lower income range group for HDB…and i know there are ppl out there who are realluy in need of shelter……at least ppl in the middle income range can rent a room etc,..spent some $$..but ppl in the low income range (<SGD3000 etc) can't afford to spend afew hundred dollars to do that..that may mean no $$$ for children to go school…no money to eat etc…..it is really to smoothen out the social inequality in singapore now….the govt has 2 options….make it difficult for low income ppl or middle income ppl…the obvious choice is to help the low income ppl..and middle income ppl have to find a way to help themselves….plan early….search for lower priced resale flat etc…..they are in a better position to do so than the lower income ppl…govt knows abt the issue but there is really nothing much that we can do….property market is like any other market – it is market driven…..ppl are demandin so high COV etc because there is a demand….i don't think govt should try to intervene further…only thing is to protect the less privelged…less educated…less rich ppl…that's all…..is 8K a gd benchmark? I believe at this moment yes…..but may not be in 3 to 4 yrs time…..thanks for taking time to read my comments though….

  31. not from HDB: agree on the runaway housing prices vs income. Just like to know what you think about the demand and supply problems. 1) What’s your opinion on the govt open immigration policy and does it affect the market demand? 2) Do you think HDB has been supplying the market with enough housing units looking at the past HDB ballot results? 3) Has the 8k limit done any good in controlling the housing prices so far?

  32. Hi Poor but surviving, was your case a border line one ? Or your combine far exceed the 8K ceiling ? I am keen to understand your case, see if your siutation similar to mine.
    Btw, I am not a first time buyer. I wanted to get a new HDB flat but our household income exceed the 8K ceiling by a lot…

  33. Poor but surviving on

    HDB Resident : my case was closer to 9k. So i suppose it was a stronger case. Plus, my area is prime and my resale flat was over 500k, and near my folks.

    No grant for new flats though…but HDB loan still applicable.

  34. Hi Poor but surviving, thanks. Looks like my family can never be able to purchase any more new flat from HDB…..sigh.

  35. Hi Middleclass, thanks for ur response. Here is my take….

    1) What’s your opinion on the govt open immigration policy and does it affect the market demand?
    I can tell u govt open immigration has definitely (either directly or indirectly) affected the property demand. Upfront (and very obviously), more ppl coming into Singapore means more ppl needing a place to stay – DD goes up.

    Retrospectively speaking, it was quite easily during the early 2000s for immigrants to get in, get a job, settle down. Some of these immigrants are not exactly the ‘top talents’ that the govt wanted to attract. Many of them were from China, Malaysia, Phillipines etc.. are here to study, learn english, get a job etc….at that point in time, obviously the country was in real need of Human Resources. If you look at the country as a whole, singaporeans do not want to do the so called low class jobs – like waiters, customer services etc. All of us (i say that because honestly i am one of them as well) want to be an investment banker, a private banker, a mgm consultant with McKinsley, Bain & Co, Accenture etc, a lawyer, a doctor (a surgeon in fact), an auditor. We were looking at CFA, CPA, ACCA, MFE, the bar exam etc….to put in plainly, local SIngaporeans have higher expectations. However, we still need ppl to sweep the floor, clear the food court, serve in some kaya toast cafe. Can’t ask the ministers to do it themselves right….no choice…relax the policies and get some of these ppl to come in to cope…Having said that, it is extremely difficult for someone to come in and get a PR ( or an employment pass) NOWADAYS unless u are a skillted “executive” who contribute in a certain way or u are very very rich – think jet li, gong li, some indonesian bosses whom i shall not name etc…

    The lower skilled ppl come in..they live in HDB flats – they turned PR/citizen etc, they bid for HDB flats. They get their families here – they bid for HDB flats. People rent out to them, people sell to them. The market becomes “liquid” – lots of selling lots of buying – property agents come in – drive up the prices to get commission (property agents are like market makers in the financial market context, aren’t they?).

    Skilled workers (the expats etc) come in – they go to condos, private properties….px goes up again…A typical house in said Kovan that cost SGD400k 20 yrs ago cost SGD2.5mio etc…not alot of ppl can afford condos and private houses – they move to HDB. the middle class ppl obviously can’t get direct from HDB so they go to resale mkt, they want a decent place – 4/5/executive etc….market goes up again….

    I do feel that as a whole, to be honest, singaporeans are underpaid if u look at our property market as a whole. It is ok if u get the necessity side – pretty afforable. But once u decide that u need a house, then u will begin to realise that it is getting abit out of hand….it makes ur (previously known) decent pay seem quite low.

    2) Do you think HDB has been supplying the market with enough housing units looking at the past HDB ballot results?
    If you INCLUDE those in the pipelin, yes. The only thing is most of the ppl want their flat immediately….if u take away those in the pipeline, there is a lack of HDB. I think as much as HDB wants to deny, they cannot disguise the fact that they didn’t get their prediction right – how can i tell? The market won’t lie. Anyone that is statisically inclined can tell u – the property market is too hot at the moment. Probably too hot for its own good. The govt is trying to solve this by actively pushing out BTOs, that is the only “natural” intervention which they are “allowed” to do right. Then again, from the pt of view of policy makers, it is very difficult to predict the market dd. Almost impossible to hit the >90% confidence interval. So I don’t blame them.

    3) Has the 8k limit done any good in controlling the housing prices so far?
    It used to be gd. It is hanging on right now. It won’t be sufficient in the future if the ENTIRE economy moves in a state that is consistent with we have came to know. The thing is we, like any developed countries, are beginning to see a distinctive income disparity caused by influx of rich/skilled individuals. Unless we can get the lower class to increase their salary w.r.t to the overall movement of salary inflation, there is no way any sane govt will allow the 8K figure to go up – simply because it is dangerous politically (i hope u know what i meant).

  36. Not from HDB : excellent well thought and well written. More than less we agree on the reasons why we have the demand and supply problems. Where we differ is where you consider them unavoidable or impossible to manage I consider them to be sheer negligence or incompetence on the policy makers. To say something is in the pipeline is as good an excuse as saying that the cheque is in the mail. If they cannot deliver the goods now what would convince me that they can deliver the goods next time?
    On your last point of setting the 8k limit but instead helping the lower spectrum earners to increase their salaries isn’t it a moot point since the govt is doing it’s best to depress wages by wanton import of cheap foreign labours?

  37. middleclass,

    do note that when the Govt recently imposed some foreign labour restrictions and regualtions, it is the same group of Singaporean business owners who complained about rising labour costs.

    it is undeniably a curse of the developed economies, a paradox of higher growth but higher income disparity. so far I have yet to see anyone solving this conundrum convincingly.

    If you think Gini coefficients are good indicator, i.e Japan & Scandinavian have low Gini, then its worth lookin at their overall GDP growth and their recent economic woes. And if you were to compare rising stars like China, India, Singapore, then you might be envious of their GDP growths.

    So as a policy maker, not an observer, what would be your choice for Singapore as a whole? Remember we have no resources, except human resources and foreign investments. And note too, that our local population is way below replacement ratios and note that the sad but true fact that only 25-30% of population are degree holders.

    Its a tough choice. But i think u n I benefited from the macro policies. so its not fair to lambast our government.

    And, you could do something for the lower income. Open a business and ensure that u hire strictly only poor lower income Singaporeans. Or sponsor a few child from the lower income groups. Thats not very difficult to do.

  38. however, i do agree with you on the shortcomings of our authorities with regard to the housing policies.

    it is undeniable that the housing prices are becoming unaffordable for many young couples. esp those from the lower income groups, however, they have to chose to move away from the preferred areas. its tough but its still doable.

    ask those generations from the attap to hdbs, its pretty similar too. but overall macro progress alleviated some of these initial problems.

    like you, i really hope our Singaporeans get good wage improvements as well. but that will come at a price, read higher taxes n costs of living.

  39. adiemuso: are you serious? Just because we are lucky to come up better because of the whacked out policies means that we don’t need to consider the state of the less fortunate Singaporeans?
    I find your answer that this is the way things are and there’s nothing we can do about it pretty closed minded.
    Tell you what, when i get a million dollar salary and a ministry under my bidding i’ll get back to you on what i can do – probably after i take a month off to France to have some cooking class to refresh my creativity.

  40. there are 3 classes of foreigners in my opinion: (1) the low-wage workers that adiemuso says businesses depend on, (2) middle-class workers and (3) the truly talented foreign talent.

    group (1) stays in rented housing and dormitories, and group (3) stays in big private apartments and houses. both (1) and (3) do jobs that singaporeans can’t do. no quarrels with that.

    HOWEVER, the problem lies with group (2). it is perceived that this group takes away many jobs that singaporeans can and are willing to do.

    for the same asking salary (gross), an employer will prefer a PR or foreigner. this is because the employer CPF contribution is lower for PRs.

    citizens are disadvantaged in this aspect – to compete with a PR or foreigner, a citizen would have to ask for a lower pay. hence wages are depressed because of PRs and foreigners.

    further, these mid-level PR workers also compete directly with citizens for HDB resale flats, pushing up the prices, and for primary school places.

    back to group (1) – it is also perceived that there are many such low-skilled workers have successfully become PRs, and some even citizens. WHY? why give so many benefits to these non-talents?

  41. One conspiracy theory I enjoyed a lot is the easy money flowing from China that is making its way to Singapore shore. With Hong Kong imposing curbs, there isn’t really much place with relatively free-enough economy for people to invest.

    So if Singapore government does not impose curbs, once the easy money supply dries up, the property prices will go down. I think increasing incoming migration alone without bringing along money will not drive the property market up.

    But according to government statistics, most of the buyers are local so the theory does not hold water there. The other argument that I have for this is that these foreigners buy at highs, and locals follow herd instinct. There is also some evidence (in papers) to suggest that Singaporeans have enough earning power to sustain the current prices. So even if the easy credit goes away, the price would not collapse.

    On Singaporeans being underpaid, it is only when we are comparing with housing cost. If you compare based on quality of goods/services delivered, I must say we are more tilted towards the overpaid side.

    On housing demand and supply. The problem is that houses/flats need construction time and it is nearly impossible to match the pipeline against the current demands because of herd instincts, particularly so in Singapore. I myself queue up naturally in hawker food stalls with a long queue. Half the time, the food is fairly good but not fantastic an the reason for the long queue is the long preparation time.

  42. middleclass,

    “I find your answer that this is the way things are and there’s nothing we can do about it pretty closed minded.”

    i did suggest how we could help to alleviate things. that is for folks like u, who are in the middleclass to contribute to the lower income. sponsor a child or two. guess u noe about the Mediacorp’s production “Life Transformers 2”, I believe given your utmost altruistic generous social serving mentality, you would have called up Mediacorp and donated a few hundred bucks to the needy families?

    if u can convince me that you walk your talk, i will give u my two thumbs up.

  43. adiemuso: your suggestion has nothing to do with the discussion we are having about housing issues Singaporeans are facing. Plus i don’t really need to convince you or your 2 thumbs up or down.

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