Why did my client upgrade from a 4-room flat to a 2-storey Executive Maisonette (EM) in Pasir Ris, and how did he manage to do so? If you are one of the current HDB owners looking to upgrade to a new property, you probably understand that jumping to a bigger room is no easy feat. Aside from the fear of not having enough money to afford it, the commitment to monthly cash top-ups is a common concern for...