HDB BTO flats are very cheap. You can get a 4 room BTO flat in Sengkang for only about $223k (including grants). We are very fortunate as BTO flats are highly subsidised. After MOP, the open market flat price is higher than that the purchase price.
My advice is for young people to get married and apply for BTO flat. Then can have children who will take care of you in old age if you raise them well.
The value of a 4 room
HDB flat is actually about $2.3 mil but you are only paying $223k.
How should a 4 room
HDB flat be valued? By looking at the value of the total rent you can potentially collect over 99 years, ie $ (2x12x99) = $2.3 mil. This assumes a rent of $2k per month you can collect. Should be even more due to inflation over 99 years.
So, don’t complain about your
HDB flat going to zero value. You are already getting a surplus of $2 mil over 99 years ($2.3 mil - $223k). You are very lucky.