An independent RES exam study resource — not a Government website and not affiliated with the Council for Estate Agencies (CEA).Find My OrderHow to identify official CEA sources
Home / Free RES questions / HDB resale index and policy

Paper 1 · Lesson 9 — Real Estate Economics and Valuation

HDB resale index and policy

The HDB resale price index (the late-2014 change to stratified hedonic regression) and resale policy (MOP, citizen-only whole-flat rental).

2 questionsAnswers & explanations includedFree — no sign-up

Question 1

An agent notices that resale flat prices have climbed steadily over eighteen months even though economic growth has been flat and the private residential index has barely moved. A colleague attributes it to the general economy. The agent points out that the supply of new flats offered for application has been reduced over that same period, and that waiting times have lengthened.

Which statement most appropriately explains the movement?

  1. A. Resale flat prices track economic growth more closely than any other single factor.
  2. B. Resale flat prices are set administratively and do not respond to supply at all.
  3. C. Reduced new-flat supply pushes demand into the resale market and lifts resale prices.
  4. D. The movement must be a data artefact, since prices cannot rise while growth is flat.
Show the answer and full explanation

Answer: C

The rule. Resale flat prices are driven principally by swings in the supply of new flats offered for application rather than by general economic conditions. Reduced new supply and lengthening waits push demand into the resale market.

Why C is correct. It identifies the mechanism that fits the facts: reduced new-flat supply, longer waits, resale prices rising while growth is flat.

The other options.

  • A asserts a tracking relationship with growth that the facts contradict.
  • B treats resale prices as administratively set, which would make the observed movement impossible.
  • D dismisses the data rather than explaining it.

Exam note. When resale flat prices move against the general economy, look to new-flat supply before looking to macro conditions.

Reduced new supply and lengthening waits push demand into the resale market →

Question 2

Over the eighteen months to March 2026 the supply of new public-housing flats offered for application was reduced and waiting times lengthened. Resale flat prices in the estate rose over the same period, although economic growth was flat.

Which statement most appropriately explains the rise?

  1. A. Resale prices track economic growth, so the rise must reflect unrecorded growth.
  2. B. Resale prices are administratively set and do not respond to supply conditions.
  3. C. Reduced new-flat supply pushed demand into the resale market, lifting resale prices.
  4. D. The rise is unconnected to flat supply and reflects the March cooling measures.
Show the answer and full explanation

Answer: C

The rule. Resale flat prices respond principally to swings in new-flat supply rather than to general economic conditions.

Why C is correct. Reduced supply and longer waits push demand into the resale market, which explains rising resale prices against flat growth.

The other options.

  • A asserts a tracking relationship with growth the facts contradict.
  • B treats resale prices as administratively set.
  • D attributes the rise to the March cooling measures, which post-date most of the eighteen-month period and would in any event push the other way.

Exam note. Check the dates. A cause announced in March cannot explain a rise running from the previous year.

Resale flat prices respond principally to swings in new-flat supply rather than to general economic conditions →

Practise it under exam conditions

Single questions test whether you know a rule. The paper tests whether you can find it in a scenario, at speed, with three plausible alternatives in the way. Start with the free 20-question half-paper.

Looking for past-year papers? CEA doesn't publish them — here's what it does publish.

Independent study material. Not affiliated with or endorsed by the Council for Estate Agencies. No pass guarantee — for study use only.