A client who avoided costly mistakes using the framework

A first-time couple balloted well for a BTO under the PLUS model. On paper it looked like a win.

The PLUS flat carries a 10-year MOP and a subsidy clawback, and taking it would have made them second-timers for any future Executive Condominium. Their stated goal was wealth accumulation, not a specific flat.

Mapping the alternatives against that goal showed the mismatch. They bought a new Executive Condominium as first-timers instead.

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