Commentary: Be mindful of cognitive biases when buying your dream HDB home

This change in attitude is a result of legislation and public schooling. Additionally, these resources can be used in the framework of affordable accommodation.

Second, a new level classification by land pricing has been implemented to protect buyers from fanciful practices and social stratification. The New Flat Classification Framework ( Standard, Plus, Prime ) comes with additional subsidies and restrictions, such as subsidy clawbacks &nbsp, and a longer minimum occupation period, that aim to keep HDB flats in more attractive locations affordable, fair, and inclusive.

Next, real estate advertisements that offer deceptive information, promise unrealistic resale prices, or deliberately highlight anomalous transactions should be constantly and decisively addressed by the authority. This helps to stop the spread of false information and business misrepresentations.

Third, it pays to set consumers ‘ objectives in order to prepare for future revenue fluctuations. Singapore’s key international colleagues, such as the US, have retreated to a more interventionist border. It is beneficial for buyers to understand how seismic sociopolitical changes may affect their economic resilience. &nbsp,

Next, buyers need to consider the possible downsides of overextending financially. Drawing lessons from previous industry cycles can encourage a more grounded perspective and assist buyers in weighing the potential strains of mortgages, which could eventually cause economic strain or restrictions on living conditions.

Singapore’s great homeownership rate is unique. Our skilled approach to public enclosure is what gave rise to this outstanding achievement.

HDB lands are microcolonies of our cultural society created with the goals of stability, security, and participation in thinking. Residential real estate needs to remain healthy, but it needs to be sustainable and equitable as well.

Dr. Leong Chan-Hoong is the Nanyang Technological University’s Head of Social Cohesion Research Program at Nanyang Technological University’s S Rajaratnam School of International Studies ( RSIS ).