1957. Tan Kim Hock, sixteen and fresh from NS

training at Pasir Ris, returns to his mother’s

thirdfloor flat in Block 43, Kallang Estate,

where the concrete still smells of wet lime and

the neighbours still whisper about the woman who

jumped from the roof during the Occupation. He

brings home a single packet of Maggi, two eggs,

and a receipt stamped with a red handprint — the

debt he owes Ah Ma Lian, the auntie who fed him

during the Japanese curfew, before she vanished

one monsoon night after collecting rent from the

fifthfloor widow.

The rent was never money. It was time. And now,

every night past ten, the stairwell light

flickers three times. He knows. She’s coming.

He sleeps with a salt circle around his mattress,

a trick his grandmother taught him — salt keeps

the hungry ghosts from tasting your breath. But

salt doesn’t work on debt collectors. Not when

the debt is owed to someone who died

midcollection.

On the seventh night, the ceiling above his bed

drips. Not water. Rust. Thick, coppery, like old

blood mixed with iron filings. He touches it.

It’s warm. The next morning, his mother finds a

tin of kaya on the kitchen table — the kind Ah

Ma Lian used to sell at the kampong market —

wrapped in a newspaper dated 1942. No one else

could’ve gotten in. The door was locked. The key

still in his pocket.

The rule: If you owe a ghost rent in an HDB

block built on a burial ground, you pay in flesh.

Not your own. Someone else’s.

Kim Hock doesn’t tell his mother. He can’t.

She’s still grieving his father, taken by the

Kempeitai in ’44. He knows what happens if the

estate hears the truth — they’ll rehouse them.

Break the family. So he walks to the void deck

at 11 p.m., barefoot, carrying a small jar of

ashes from the temple incense. He pours it into

the drain at the foot of the stairs. The smell

of burnt sandalwood rises. The light stops

flickering.

For three nights, silence.

Then, on the fourth, the wall beside his bed

cracks. Not a fissure. A mouth. Teeth of rust. A

voiceless whisper presses against his ear: You

still owe for the widow’s child.

He remembers now. The widow had a boy. Ten years

old. He vanished the same night Ah Ma Lian did.

No one asked. No one dared.

Kim Hock doesn’t sleep. He takes the bus to the

old cemetery near Tampines, digs up a handful of

soil from an unmarked grave — the one the elders

say holds the bones of a child who drowned in

the Kallang River during the evacuation. He

brings it home. At midnight, he presses the

earth into the crack.

The rust stops bleeding.

The light stays on.

In the morning, his mother finds a pair of tiny

sandals by the door. White. Too small for anyone

in the block. They’re still damp.

He doesn’t tell anyone. He starts saving his NS

allowance.

Next month, he’ll pay the rent for the next soul.

The block still stands. The stairs still creak.

And the ghosts? They still collect.