Had a small talk with family last night.
They said that now the HDB flats are hard to apply for. Family was saying that because most of the youngster now couldnt afford to make the 10% down payment (roughly about 30K) Flats that ppl get, will most likely be in those deserted places like Seng Kang and so on. For goodness sake, I wouldnt want to live there! Therefore I figured that I should start saving up MORE.