Is Decoupling Still Logical?
The idea of decoupling has gained enormous traction in Singapore since the year 2000. It's an exquisite, yet basic, notion. Sell your current residence, whether it's a HDB or condo. Use the money made to cover the down payment for two brand-new, private condos—one for each spouse—under one roof. One (usually larger) is for your own use, while the other (shoebox unit) is for investment or rental revenue. For middle-class people wishing to expand their own real estate holdings for retirement or legacy purposes, this was a highly alluring proposition.
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In the 2000s, most individuals believed that investing in real estate was a "sure-win" strategy. a high leverage, low risk strategy to boost their net worth. This passionate fixation with real estate led to exub...