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Good day to you.

The key requirement is to have three bedrooms, which means that both a 4-room flat and a 5-room HDB flat would meet this need. However, not every 5-room flat, particularly those in the Holland Village area, comes with a fourth room. If having that extra bedroom is more of a 'nice-to-have' than a necessity, you might want to chat with your family about it.

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Since you’ve already narrowed it down to Holland V area, the trade-off is really between time + rent vs. convenience + space.

If you go for the 4-room in 2026:
• You stop paying rent earlier (save that $72k).
• Kids and your mum will need to share, but for now, it’s still workable.
• You could always upgrade later, though that means another round of selling/buying, paying buyer’s stamp duty, renovation, etc.

If you wait for the 5-room in 2028:
• You get the ideal space straightaway, no need to shift twice.
• But that $72k in rent is essentially “burnt,” plus prices in HV might still climb, meaning the $1m could become more by then.
• Family comfort is maximised, but at the cost of waiting and paying a landlord.

Some families in your situation choose the 4-room first, then plan to upgrade once kids hit secondary school age (when personal space really matters more). Others bite the bullet and wait, since moving twice can be a huge hassle.

One practical consideration: if prices keep climbing in HV, upgrading later might mean paying an even bigger premium compared to locking in something now.

So it really comes down to whether you value locking in earlier and saving rent, or getting the perfect layout and avoiding future moves. Read More

Hi, appreciate your sharing. Propose to do a bank loan check to work out the final budget. Propose to get an unit to suit and cater your current needs before planning for your next move 5 years later after MOP.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Hi,
Most of the Holland V flats are very old. I am not sure if you qualify to buy them. There is a formula to use to calculate to see if you qualify.

Please contact me so that I can be of further assistance.
Cheers!

Elan Govan
MABA (Lancaster)
 90170747 
jayelan@gmail.com
www.goodpropertiesguide.com Read More

Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

1. Start with a bank loan assessment to confirm how much you can comfortably borrow and set a clear budget.
2. Choose a unit that matches your present lifestyle and needs, rather than stretching for the long term at this stage.
3. After meeting the 5-year MOP, you’ll have the flexibility to review options and plan your next upgrade or move.

As Warren Buffett said, “Do not save what is left after spending, but spend what is left after saving.”
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N1.Springleaf Residence – Upper Thomson Road, D26 | OCR | ~3 min to Springleaf MRT (TEL)

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SOUTH Region //

S1.UpperHouse @ Orchard – Orchard Boulevard, D10 | CCR | Direct link to Orchard Boulevard MRT (TEL)

S2.Zion Residences – Zion Road, D9 | CCR | ~4 min to Great World MRT (TEL)

S3.Promenade Peak – Zion Road, D9 | CCR | ~5 min to Havelock MRT (TEL)

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O4.The SEN – De Souza Avenue, D21 | OCR | ~8 min to Hillview MRT (DTL)

O5.Skye at Holland – Holland Drive, D10 | CCR | ~6 min to Holland Village MRT (CCL)

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The 5 room flat that is costing about $1m plus is unlikely going to remain at the same price, as well as the 4 room flat you see now in market will likely be in another price bracket by next year.

On top of these considerations, you will also need to look into the lease balance of these flats you are looking into, whether your CPF funds and loan allow you to fully utilise these facilities on the purchase.

As much as you are considering, what our advise can only be down to the financial considerations. If HV is something less affordable, then why not consider slightly further off to fit the finances. It is always better to own than to rent, unless you are looking to exit fast, then rental allows you to move faster than owning.

I always have this thinking that the ideal home is always out of reach, because what is ideal to me will definitely also be ideal to someone else and that is where the supply and demand comes into picture. Most often than not, the affordability is always in question for something ideal.

The next best thing is to make something into your ideal home than searching for that ideal home.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 15,900 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

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