Why ur parent do not buy direct HDB last time instead rent Last time is cheap and our parent bought 1st HDB 3rm @18k in 80s before stayed from kampong My another sibling bought 3rm@135k in 2002 and nt so expensive that time and she dnt work high pay job since no subsidy or grant and now need pay stamp duty unlike last time...so I think you bought ur own hdb flat will better Why dnt get 4rm and next time sell away still have profit gain