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This idiot deskman really bodoh.
It is the very high cost of the bto. Not the down payment.
If the PAP really cares for Sinkies they can just remove the land cost component in the price of the flat.
Problem solved. Period.
PAP always back the wrong kuda.
Side USN against PLAN for Changi Naval Base
Side Nato against Russia for Ukraine.
Side Pinoys against Chinese in SCS.
Side modi against xi.
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Side SimplyGo against EZ and kenna karma.