[EvertonDiehard]

And there is no restriction on when u can go enbloc for a private condo as long as all agree.u want, one year old project also can.

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.