Thank you @ EVERYONE for the warmth and support you've shared with me. I am immensely grateful for your kind words ❤️ And for those who have asked questions and shared info to refresh my very cluttered memory. That being said, I have some important factual clarifications to make! 1. Overaching cost I wanted to share in the video was the upfront payments/cash out we had to do because that was the big question mark in my head back then. 2. The ~77k was NOT a net loss! Apologies if I had misphrased it. While we had to pay the money back, the break down of this cost includes the housing grants that HDB had given us to purchase the house. Enhanced housing grant = ~20k Family Grant = 50k Any additional monies paid back was accrued interest. 3. The 48k difference in purchase price, while painful considering market conditions, is not something I think HDB should've done otherwise. Since an actual valuation of the flat would've allowed us to profit off the house, making it unfair to everyone else in the same system. 4. If I'm not wrong, the flat is sold in the sale of balance of flats, and not the open market. I do not know the sale price of our flat after it was surrendered back to HDB, so I cannot confirm whether or not HDB made a profit there. On a random sidenote, if you happen to be the new owner of our old home, please take good care of it! And I still get a ton of random deliveries to that old address because people don't notify me when they send things over sometimes, so please let me know if you've been taking my parcels LOL.

Thank you both, for agreeing that you share this so openly. You and us veiwers have learnt from what you went through. Yes, time to move on, and do what makes you really happy. That's the reason for our existence ! Wishing you all the best.

thanks for being so raw and intimate with your feelings on the internet! its not easy going through something like that but its life and its inevitable. stay strong! supporting you from afar!

Thank you for your vulnerability to talk about something so real and personal❤️ You’re inspiring many with your courage to share your story!

felt like giving you a huge hug after u talked about your flat being your dream.. it's really not easy to leave something that you loved so much and you are so brave for sharing your story 🥺 i'm sure many people are excited to see you find happiness wherever that may be for you!

It's really brave and helpful of you for telling us about this sensitive and yet real situation anyone may face, thank you!😊❤

Thank you for sharing your story, Chow! It must have been very painful to go through all the financial loss on top of grieving for your lost relationship. I appreciate you stick to your belief of using your platform for public education as well. There definitely should be more info out there about the housing system. You’re right that being a homeowner is not as important as being at home. Hope you have a sense of peace and belonging in your current place :)

Love comes and love goes. I ended, or rather we, me and my partner ended our 6 year relationship and I do understand everything you’re going through. I have so many good memories to carry me through the years ahead and so many lessons learned from this relationship. Good luck to your future undertakings and hoping love will find you again someday soon.

Thanks for sharing this, I believe it is comforting for many to see this, especially for me as well as I gone through a breakup several months back. After watching this I want to say that You are just simply amazing. And always love your energy and honsety about flaws, really shows who we truly are instead of struggling to put up a front like what even non-influencers do. Glad to hear it had your pain to let out and managed to fully moved on and have closure Chow, will be rooting for ya:) also your singing is great.

Hey Chow, thanks for sharing your experience. It's funny how I kinda would never expect you were going thru this cos on TSL, you've portrayed yourself to be so bubbly and cheerful. I'm glad that on this channel you can be totally raw and true with us. I totally resonate with you when you said you needed your own place to call your own and when you moved in, you finally felt peace. I too, have been on a journey with that and finally going to move out soon to rent. Keep your chin up and i'm sure that if you don't lose faith, you will def get there!

Wholeheartedly agree about the pains of housing and relationships being tied together. Thank you for sharing your experience so that others can learn as well; I’m so proud of you for talking about your story, especially knowing how mentally and emotionally draining this has been for you. But things will go up from here. And I can’t wait to see you settle into your forever home in the future 💪 Got your back all the way - love you chowchuap ❤️

Thanks for sharing your personal life story with us, really feel with you and am with you on this…… Take care and look ahead for more exciting future ahead!

When one door closes, many other doors open. It's scary, still, because this might've been the only door you've ever known, but whether you're aware of it or not, you're already breaking new ground. Yes, the emotional and monetary costs of this have been great, but I believe that you will eventually find a new home in many new spaces, new experiences and new people. You're a fighter, keep fighting 💪

Just a suggestion for those wanting to get a place before marriage - rent a place for a year or two to live with each other. After that, it will become clearer as to whether your relationship is built to last.

Thank you for sharing your experience 🙏🏻 Indeed it is very painful, even watching you reiterating it hurts 🙁 stay strong girl 🤞🏻

Hearing this, I can really feel for you, but at the same time, this is such an honest and insightful video. Thank you very much for sharing, and I'm sure you emerge from this ordeal a stronger and better person.

No questions to ask but I love you, Chow - you've got people you can count on to get through this. 🥺

Thank you for sharing Jiahui, when you said it was a dream to have a space to call your own, that was something I felt 100%. Better things will surely come your way :)

You're so strong & brave. Take one step at a time & it's ok if you encounter 5 steps back & 2 steps forward. Your life will turn out amazing, I promise you. I wish you everything good & thank u for sharing your story. I"m sure you've helped many people through this & you can be so proud of yourself. Have a great life!

Thank you for sharing. It was an honest and heartfelt account and I appreciate it. It actually brought back my own sad memories of divorce years ago. The home we shared was a private property but it was no less painful as we had to sell it quickly and below market value so that we could get a portion of our CPF monies back and move on to look for separate accommodation. Like you, both of us felt that home we shared was really our sanctuary, and till today nothing compares to what we had then. I have had 3 different homes since my divorce, and nothing has that same feeling of home and comfort of my first home with my ex. But thanks again for sharing, and be strong and move on. After the rain there’s always sunshine on the horizon.

Im so sorry for all your losses Jia, its never easy to let go of things that we know to be our constant. But you are a beautiful, brave and strong person. Life is a journey that we navigate through all the ups and down. We will all be here cheering you on and lending a shoulder to cry on if and when needed ♥️ always be your true self 🥰

you’re really brave to share this online. stay strong ✨💪🏼❤️

So proud of you for confronting this again and sharing it for other people to learn from. You'll find your home eventually, sooner rather than later, I know it :)

thank you for being brave! I pray for all things good for you and Eugene.

It’s my first time watching your video.. I like to say, nothing is easy but time helps you to grow… what sucks is that moving on to a new journey. Glad that you’re sharing here at least you have place to share

Agree with the sentiments about 'never having a place to call home'. I never really had my own rooms as I had siblings, and even when some finally moved out, their stuff still lingers around. Owning my own home has been my dream for a long time now too and also never felt like I had a place to call home. It's just a different feeling when you get to own your own home. It doesn't help that housing is hard to obtain in Singapore... and even BTO means waiting another 5 more years. It's so painful!!

Thx for sharing. We humans tend to put a figure to our loses and I know its painful, but the measure & impact of it will truly be felt with time and how you choose to move forth. More often than not, when we look back years from now we tend to be thankful evrything happened as it did, and I wish u as such. Once again thx for sharing, you're brave and u did evryone a service by posting this. Cheers!

The most frustrating thing is that there is no correct answer to how relationships work. To some, buying a house can be a common goal, target, commitment to work together, and for those same exact reasons, it could also tear 2 people apart. Time will heal, and money can be earned back, and when you look back on this someday, you'll probably see this as a small blip but a big lesson and experience in your life. Adulting is hard, but far from impossible. Wish you the best!

Stay strong, it's very you to take a moment of personal hell and turn it into a learning opportunity for everyone else. Only when we experience the unbearable do we find out who we truly are and I'm sure you'll come out from it all the stronger 💪💪💪

You are so strong despite and in spite of what you went through. This sharing is very very helpful not only for those who are going through a similar journey of uncertainty and it certainly helps you to have a clearer understanding of yourself. Jiayou!

Thank you for sharing. Very unfortunate regarding your relationship and your house. Be strong and overcome this adversity and believe good rewards will follow.

Thank you very much for sharing us this precious info! We really needed a straight forward simple system for this kind man, its just so annoying how the system is always so confusing

There are so much uncertainties when it comes to relationships… even more so when a BTO is an element to it. Thank you for being so candidate in this video. Sending you love and positive energy, Chow!

Thanks for being brave enough to share your experience!! There's really not much info online if things go south...

Life has a lot of challenges. Appreciate your honesty and wish both of you the best.

Youre amazing Chow! Strong, smart and so full of energy!

Stay strong girl. I could tell, even before your tears started flowing, that you were still really hurt by the breakup. A house is not a home. Home is really where your heart is, be it yourself, in your partner's heart, or some religion, or whatever. The ideal place would be your own heart. Make it full first, complete yourself first, then find a life partner who's also a complete person himself, then build a new home with him.

“You can’t really plan everything, especially when it comes to feelings and relationships..” 💯

I just wanted to let you know that you're really beautiful, put together and level-headed. I hope and know you can get through this. Sending love 💛💛💛

Thanks for sharing your experiences! Stay strong, you’re doing great :)

Thanks for sharing babe. Can't be easy putting yourself out there like this!

:(( just broke up after getting back with my previous partner and my heart really aches for you, thank you for being so brave and sharing your experience! Keeping you in my prayers

hey girl, I know how you feel when you leave a long term relationship. I have been in 2, 1 for 10yrs the other for 4yrs and the reason why they are exs is because I just cant see a future with them. as you said, we just have to move on and don't ever stop believing that you deserve better. I found my current girlfriend amidst this pandemic thru apps and she turned out to be the best for me so far. dont ever get pressured by societal view and opinions on what should be and not. everyone is on their own timeline and we travel at our own pace. I'm not young anymore and my gf is 9 yrs younger than me but we're working out fine. always believe and you will soon find a home, not a house.

Thanks for sharing!! I wish you nothing but the best as you navigate through ur experiences and emotions. 😊

Totally feel you, breaking up after a 5 years relationship for me, things for me having spiralled downward and causing my mental health. It is never easy, even though we thought we might be ok. We never are totally ok. I am still working on myself to find a way to pick myself up from where I broke down.

So sorry you are going through such hard times. The pain is not forever and you will cover your financial losses over time. Use this time to heal, don’t be tempted to go into another relationship before you are ready and be kind to yourself. You are amazingly brave and love will find you again. Be strong.

THANKS for being open to share so vulnerably and your very realistic advices , JY chow

We have just celebrated our 40th wedding anniversary. Life is like a roller coaster. Ups and downs but you need to complement each other. No marriage is perfect. No one is perfect as well. Getting into a relationship is a mystery but staying in a relationship is a challenge. Good luck.

Chow, you’re really amazing and brave for making this decision!! Giving you lots of love right here ❤️

hope everything works out for you in the end...but am still shocked that the financial cost is seriously harsh when this sort of thing happens!

It's a hefty price to pay for ending a relationship after purchasing a house, but I really hope that it was for the better!

It's unfortunate, but this MOP period plus certain heavy monetary loss is there for good reason, to prevent abuse. Stay strong, money can be earned and your efforts are very evident in the work you do. Important thing is to acknowledge it was the right decision. Jiayou!

One of the worst feelings is setting up and creating your own space, and having to give it up to someone else for a lowball price. I’ve been through this for a business close to my heart, although it’s not even close to giving up a home, but you just have to look forward, have better things ahead and move on. Good luck!

Thank you for sharing! I agree that housing in SG has gotta change somehow, maybe someday. I hope you’ll find that dream home someday, with or without a partner 💜

Covid has caused many relationships to end. Hope all who have gone through this will grow stronger n find peace & joy soon. God loves you. Amen

Hey. I am 44 years old this year and I don't even know that the cost of cancelling hdb is so costly. This is a very eye opening video. Relationship is not easy. No one is right or wrong but more like a match (sounds tinder) from characters(almost no 1 in the requirement), hobbies, food to daily routines. I can only say lots of self willing sacrifices along the way but hey it will make all of us a better person in return. All the best. 😊. Thank you again for the great video, most impt great content.

Your honesty, courage and authenticity is most admirable, Chow! There will always be trials and tribulations in life but it's how you pick yourself up and push on that matters. Clearly, you are one that will succeed; how can you not with that impressive level of intelligence, maturity, articulacy and determination. I am a fan!

Thanks for sharing, the insights and what you have gone through. It's not easy but you are brave to brace through and things will get better. Wishing you well and a better tomorrow. Jiayou, take care and stay safe too!

Take it easy and do your best for yourself with your life. I had been staying all over Singapore in rental rooms since the age of 25 and now I am 42...still staying in a rental room. I refused myself in purchasing a resale unit but it depends on each individual. Now I am waiting to collect my keys for my BTO 2 Room Unit as a Single. I appreciate that one day I shall have my own unit to call my home. I learnt to keep it simple and at the same time I learnt and understood the entire HDB process, rules and regulations. Bottomline - Do what you can and be prepared to go through the Psychological process in Life. Wishing you all the Best.

Thank you for sharing this. You make people like us feel more supported that we are not alone in this.

Lessons learn from every event in our life. You're a strong lady. Cheers! Stay safe, and God bless!!

When I first watched your video on 18 Mar 24, I empathised with your story. Then 8 days later on 26 Mar, my husband suggested a separation. I was devastated. We have just moved into our BTO 6 months ago and haven't even settled down properly. I am not sure why this video got recommended on my feed, but I now fully understand your pain, going through the process myself.

When I was young I want to get married at 24 and have kids by 26, and now in late 30s was still single as f, and now jobless, things just don’t turn out what u wanted, and as if life just want to test ur patience , yes can’t go back to the past, let’s us keep the faith that whatever is happening now is meant to happen and it will lead u to the better place in the future, it might not be now but soon things will get better ❤️

ty for sharing this. it must have been tough to do so, but in sharing u have also helped others tackle issues they also be experiencing similarly to this or at learned something positive. i hope things work out for u, stay strong.

Thanks for sharing this. Let others know of the implications and things to learn from. Hope that you will pull through this difficult time.

Hi Chow, Keep doing what you always do best. I have been watching your content for many years and have been always a fan of yours. Please do stay strong and don't let this issue take control of your life. We all do have the power to change our life, It is only the matter of time. Please do cheer up! You're the best in my eyes! Cheers!

Hi Jiahui, just stumbled upon this video and realized its been 1 year... look at how much have you grown! I believe you are doing very well now based on your collabs with (Samsung and other large companies?) You are a strong, smart and confident lady and always supportive of your work. Remember that you had been through the lowest point of your life and the only way is UP. All the best in your future endeavors!

Thanks for being honest. We have all been through this. You will recover and grow stronger. Keep you heart open for love in the future.

Proud of you but it just makes me more appreciative and thankful that I am single and my flat is coming. I am afraid and lazy of stepping in a relationship after being single for almost 2 decades. 😅 All the best to you!

Scars make us stronger for life. Keep on keeping on Jia Hui. I enjoy your presence in TSL Videos. Cheers.

This is the 1st video of your channel I've watched, and I think I will only watch videos of yours from this point onwards because this sharing feels like a fresh start or rebirth towards a turning point of life for u. Take Care, Take Stock n Be Kind to Yourself.

Hey Jia Hui, Thanks so much for sharing your experience. I had a close friend in a similar situation (with a man that turned verbally abusive after marriage) and we found there was really scant information on the HDB website / forums on losing resale before MOP due to divorce, especially the vague "sold back to HDB at market price" (What is market price anyway? $100? Whatever the government deems it to be?). Please don't take some of the critical comments on the video to heart. People are really ridiculous and lacking empathy. Much respect to you. Women like you show other women that they don't have to accept staying forever in a bad situation like some of the wives of our parents' generation.

Very brave for you to share such personal things. Stay strong!!

thank you for your honest sharing. went through a similar experience with my own long term partner few months ago. completely relate with you that its often an accumulation of anxiety, stress - often a small petty thing triggers the end. despite how much love there is and not that love is lacking either. really sucks to hear how hdb adds insult to injury financially in this case. but it is what it is. keep your chin up and best foot forward. rooting for you

I have been married 32years with 2 adult children. Moved HDB 5Rm to Semi-Pte HUDC then forced to sell due to Business failure then downgrade HDB 4Rm upgrade again to Maisonate and now Semi-Retired Fully Paid HDB 4Rm in Clementi. In all experiences we have lost more than $300k business failure, relationship strain we attended marriage enrichment programs to understand our different approach to problems/ stress/ children as man and woman. Understand that we think differently, it's not personal. Always moving on. The past is behind, Learn form it. The future is ahead, Prepare for it. The present is here, Live it. Thank you for your sharing 😊 🙏 Money can earn back.

Be strong! Always believe that after every storm, there a big rainbow waiting for you. Be positive! =)

stay strong Chow. There will be the better future which u deserve and god is working on it. Trust the universe and have a strong faith in it!😘we all support u and can feel the same way u pass thru.

Don't worry about the CPF, you will get it back again. On another note, now that you have this experience , you will only be better moving forward. Cheers!

marriage is on a daily basis, deciding to continue together as partners. there is nothing to plan, or unplan. its just life long commitment to the wedding vows made. wish you good health, better wealth, and best relationship going forward.

Big big hugs. So brave of you for sharing your experience on a video. 👍🏻👍🏻👍🏻🥰🥰🥰

Thank you for sharing this info openly. Still confusing but either ways... Moral of story - Don't get together for the sake of house and not ignoring red flags. I'm sure you both considered thoroughly before making this big decision. Cheers to you both for being so brave. No point hanging on if both really find unsuitable and all. All the best to new chapter :) stay brave stay strong!

Breakups are one of the worst to go through, however I'm glad you are at a place of acceptance, and are focused on self care and moving on. Take care!

Thank you for sharing your story, stay strong ❤️

Stay Strong and Be Positive everyday, keep doing your best and take a step back to appreciate the things that happened and loved it when you said not to dwell on it and I feel that its the most important point

You tried hard, no regrets, you grew from this, which will make you happier in life

Thanks for the insight Chow, it was very brave of you to do this video! jyjy 💪

I usually never comment, but thank you so much for this Chow. Ive recently ended a 4 year relationship too and the struggle of wanting to stay together because there's no big issue to break up over was one I struggled with too; at least till it all built up & exploded :") I really relate with you and feel so validated to know I'm not alone in my experience, thanks Chow

Brave of you to share this. Hope things get better

You are right. Relationships are more of accepting each other’s plus and minuses. Life is easier when we are able to live with differences regardless of marriage work etc. You are still young and you look so damm gorgeous. You will be much better and more ready in your next relationship. Remember life’s constant is about change. 🙃 feel free talk to me if you feel it helps. Thanks for sharing what happens about HDB and yes it kinda sucks. You’re a great girl!

Going through a divorce now and giving up my Punggol house too. It was really home to me, my perfect home. It was everything, or should I say better that everything that I have ever wanted. The high level, the unblocked views, huge windows, long kitchen..everything was perfect to me. I keep wondering if I will ever get a home as how this home was for me. I’ve never been to anyone’s house that I’ve ever liked more then my own. It’s heartbreaking to give it up. I have to go back to pack up and I’m just crying THINKING about it.

Don't stress yourself out, you know you can pull through!! And you know we are always here for you. Cheer up, and don't cry, look forward and work towards a better self. Love you

You'll be ok girl. You were strong enough to share and post. You will get through this I'm sure.

You have shown us how Strong and levelheaded you are are all the best for your future

whyd this show up on my recommended and why am i so invested. Stay strong queen

Thank you Chow for this video. Yes it’s scary and not many can move on.

Going through a similar process on my own too. Annuled my marriage earlier this year, and currently in the process of surrendering my 2 years old BTO flat. Waiting for HDB to get back to me on the financial figures. Definitely feel for you that this is a difficult time to go through. Stay strong and keep fighting. :)

I had a rather similar experience so I emphasise with you. It was a 6 years relationship in which we got a BTO. Breaking up was hard and the house only complicated it. Looking back it never felt right to me, I’m glad things happened the way it did. There’s another home for you out there, a better one, just wait and see :)

My relationship ended just a few days ago too I literally said I can’t do this anymore and I resonated with everything you said I thought we’d be together forever too I never thought it would happen but apparently when life throws you curveballs there’s not much you can do about it

I feel like since I don't want three things in my life, marriage,kids and living together, my dating scope is limited. That said I always believe that one need's to get a house for themselves and not for just the partner to stay together. I see myself in the future as being able to enjoy the things in life that I enjoy single or not in order to be a happier person.

Thanks for sharing your story...hope you will heal from your wounds💖💖💪💪