Who says HDB flat is not an asset ?

I have heard of a case of SG homemaker, recently widowed, having difficulty repaying her S$1200 monthly HDB loan & have to work to repay it, beside covering her monthly expenses. 

She decided to stay in MY with her sibling, rent out her whole HDB home for $1,800 monthly.   

This S$1,800 helps repay her HDB housing loan, and with surplus, it funds her retirement in MY.

So, her HDB home is an asset to her. A mindset shift that set her free.

Now with the cash suplus converted to Ringgit of RM1000+, free stay with her sibling & keeping her sibling company, both have each other company, and are able to make local tours together at affordable cost.

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