The CPF-HDB scam and how to defeat it

[k1976]

you are right. But even the foreigners are gaming the Ponzi by renting a whole unit and subletting the rooms to other foreigners. If you have a whole house filled with pundeks or pinoys, who would tell? This one is my brother, that one my sister. For the love of money, they will all have the same mother

All from same kampong Lai de woh

 

[True Believer]

All from same kampong Lai de woh

The Philippines have successfully recruited many pro footballers born to European and South American fathers and Filipina mothers to strengthen their national team by leaps and bounds. Imagine how many Pinays have been impregnated by foreign dads!

 

[k1976]

The Philippines have successfully recruited many pro footballers born to European and South American fathers and Filipina mothers to strengthen their national team by leaps and bounds. Imagine how many Pinays have been impregnated by foreign dads!

Genes improvement program mah
Better than Sinki , birth rate keep plunging below natural replacement rate

 

[oliverlee]

The Philippines have successfully recruited many pro footballers born to European and South American fathers and Filipina mothers to strengthen their national team by leaps and bounds. Imagine how many Pinays have been impregnated by foreign dads!

grago. They are not called shrimps for nothing

 

[True Believer]

Genes improvement program mah
Better than Sinki , birth rate keep plunging below natural replacement rate

The Philippines National Football Team

 

[True Believer]

grago. They are not called shrimps for nothing

The Philippines National Football Team

 

[tobelightlight]

Do not buy HDB flat. Just move oversea, jb the nearest. Unless PAP are out of the govt. Don't let PAP receive any money from u.

 

[True Believer]

Do not buy HDB flat. Just move oversea, jb the nearest. Unless PAP are outbof the govt. Don't let PAP receive any money from u.

Sinkies are seen as mere cogs in the system to keep the economy going at full steam in order to pay our politicians their humongous wages.

 

[eatshitndie]

You are just thinking about the (potential) financial benefits involved.

Ever thought that some people just don't want to go through the fucking hassle? You have to maintain the place, do some interior decor, do paperworks, scout for people to rent the place etc.

Think of it in reverse: I pay you the money, you leave me the hell alone.

in sg many landlords hire agents to run everything from finding tenants to partitioning rooms for more rental yields to repair of essentials like electrical outlets and plumbling. rate is about 5%. agents will do anything in their power (of attorney) to sextract the highest rent by turning a 699 sq ft apartment or condo into a shithole sleeping 6. conditions are appalling and filthy unless agent rents to an angmoh or jap family. however, rental yield from 6 individual tenants is typically higher than that from a small family, thus agent is incentivised to rent it out to multiple tenants by subdividing the rooms. i’ve walked into apartments and condos for viewing and am utterly not surprised to find tiongs, pinoys, banglas, cecas, jiuhukias, burmese, cumbodians, viets, siamese squeezed like lab rats in partitioned rooms. agents even suggest partitioning the living room to squeeze more mattresses (not beds). beds take up space while lightweight mattresses can be stacked upright against the wall.

in reality, a lot of housing in sg has becum shitholes with influx of cheap labor from surrounding region. in 2024, larger and older hdb flats, private apartments and condos over 90 sqm can house 8 without any family relations. more shitholes to be partitioned. don’t expect to see any living rooms nor dining rooms.

 

[oliverlee]

Do not buy HDB flat. Just move oversea, jb the nearest. Unless PAP are outbof the govt. Don't let PAP receive any money from u.

JB is not a good choice at all. Move further north, beyond Malaysia if possible

 

[oliverlee]

in sg many landlords hire agents to run everything from finding tenants to partitioning rooms for more rental yields to repair of essentials like electrical outlets and plumbling. rate is about 5%. agents will do anything in their power (of attorney) to sextract the highest rent by turning a 699 sq ft apartment or condo into a shithole sleeping 6. conditions are appalling and filthy unless agent rents to an angmoh or jap family. however, rental yield from 6 individual tenants is typically higher than that from a small family, thus agent is incentivised to rent it out to multiple tenants by subdividing the rooms. i’ve walked into apartments and condos for viewing and am utterly not surprised to find tiongs, pinoys, banglas, cecas, jiuhukias, burmese, cumbodians, viets, siamese squeezed like lab rats in partitioned rooms. agents even suggest partitioning the living room to squeeze more mattresses (not beds). beds take up space while lightweight mattresses can be stacked upright against the wall.

in reality, a lot of housing in sg has becum shitholes with influx of cheap labor from surrounding region. in 2024, larger and older hdb flats, private apartments and condos over 90 sqm can house 8 without any family relations. more shitholes to be partitioned. don’t expect to see any living rooms nor dining rooms.

yup the whole fucking island is a huge dormitory. The cheebais will do anything to bring in cheap labour to churn the wheel so they can every year huat and huat and huat some more.

 

[tobelightlight]

JB is not a good choice all. Move further north, beyond Malaysia if possible

if people can afford and have the energy for it, go for it, But for those who has limited resources and energy, JB is the nearest route to get out of the PAP matrix.

 

[oliverlee]

if people can afford and have the energy for it, go for it, But for those who has limited resources and energy, JB is the nearest route to get out of the PAP matrix.

Further north is actually cheaper than JB LOL

 

[Papsmearer]

JB is not a good choice at all. Move further north, beyond Malaysia if possible

Nothing wrong with JB. Stop swallowing the PAP shit times propaganda

 

[oliverlee]

Nothing wrong with JB. Stop swallowing the PAP shit times propaganda

Oh not swallowing at all. i don't even touch those pages that are only fit to line my bird cages. Am speaking from first hand experience. Have you lived there?

 

[Rabbit7]

S'poreans don't actually own anything in our own country unless we buy a private property.
Our HDB flat is leased for 99 years if you buy it from the Housing Board.
Our car is leased for 10 years.

are the ashes niches at kong meng sua, freehold ?

 

[oliverlee]

are the ashes niches at kong meng sua, freehold ?

30 year lease if I am not wrong. Same as Mandai. Considered commercial space. After 30 years no kids it means they scatter your bones

 

[True Believer]

are the ashes niches at kong meng sua, freehold ?

Why are you suddenly talking about niches when I am referring to HDB flats and cars? Don't compare apples with oranges. Don't talk about the dead while I am referring to the living. LOL!

 

[k1976]

https://www.straitstimes.com/singap...y-as-markets-show-signs-of-easing-desmond-lee

Please dun say like that...our Lord has hear low ses peasant kpkb liao

 

[k1976]

in sg many landlords hire agents to run everything from finding tenants to partitioning rooms for more rental yields to repair of essentials like electrical outlets and plumbling. rate is about 5%. agents will do anything in their power (of attorney) to sextract the highest rent by turning a 699 sq ft apartment or condo into a shithole sleeping 6. conditions are appalling and filthy unless agent rents to an angmoh or jap family. however, rental yield from 6 individual tenants is typically higher than that from a small family, thus agent is incentivised to rent it out to multiple tenants by subdividing the rooms. i’ve walked into apartments and condos for viewing and am utterly not surprised to find tiongs, pinoys, banglas, cecas, jiuhukias, burmese, cumbodians, viets, siamese squeezed like lab rats in partitioned rooms. agents even suggest partitioning the living room to squeeze more mattresses (not beds). beds take up space while lightweight mattresses can be stacked upright against the wall.

in reality, a lot of housing in sg has becum shitholes with influx of cheap labor from surrounding region. in 2024, larger and older hdb flats, private apartments and condos over 90 sqm can house 8 without any family relations. more shitholes to be partitioned. don’t expect to see any living rooms nor dining rooms.

More low ses peasant HDBee owner can upgrade to mini small landlord mah