Its not so easy like de way u think it is.
Ur 1st pt itself is an illusion. Can u pls let me noe how uv cum 2 dis conclusion???
As 4 ur 2nd pt, after selling his flat for $1m 2 u think he can still buy dir fm HDB???? If yes den well dats news 2 me. If dats de case, most Sinkees wud have sort...