[*天哥*]

Even private property, you are only hope for luck that you have enbloc. I haven't got any also though I have dreamt for it over so many years.  

.

I think u dun understand the legal concept. For a private property, u can use the title deed to take out a loan from any bank. That is a well known concept in the business world. But u cannot do that with a HDB. That is why I say, what u r paying a million dollars for, is it worth it ?