As a mother and a homeowner, I understand the growing concerns surrounding home ownership in today’s market. It’s not just about the rising costs, as highlighted by the recent Bidadari BTO prices, but also about the hidden complexities that many homeowners aren’t aware of. For example, the misconception of being ‘debt-free’ after paying off a property with CPF funds can be misleading, as there are often unseen financial obligations like accrued interest. This scenario has become increasingly common, leading to situations where homeowners, despite an apparent increase in property value, end up facing negative sales.