Hi there, there are many factors affecting a later purchase
1) income (your present income vs income in 2 years time)
Your future income could rise, or it could fall. If it continues to rise, then you have no problems, but should it fall you need to be assured you can still get a loan that can help you with your HDB purchase.
2) You will be older
when you are older, your loan tenure will be reduced by the requisite number of years you have waited. Hence if you commence servicing the mortgage now, the benefit is a marginally reduced monthly mortgage, but without figures, it is hard for me to substantiate in actual logical figures.
3) Changes in policy
If somehow there is a change in policy that affects your ability to purchase, this situation again depends on case to case, but things can happen.
4) your current accommodations
If you are currently renting, the rental costs will also add into your actual purchase cost. Unless you are staying with family and is technically enjoying "rent-free" then it would be different.
Above are my 4 reasons why you should contemplate buying now than later. If you choose to ask me out for coffee for advice, I can share with you more of my thoughts. I do have 4 more other reasons why you should consider buying now than later.
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