[EvertonDiehard]

Even you have free hold land, gov also can take your land and cut a road right in front of your front door of your bungalow and your land gone. You don't know meh?  

Unlike owners of leasehold condos, HDB dwellers are not permitted to use even their fully paid-up flats as collateral to banks, to raise credit facilities for private loans. HDB also refers to flat owners as tenants, and those who rent from the owners as sub-tenants.