Hi there Ms Lim!
You are in the dilenma of many Singapore singles who are affected by the HDB rules. Another 3 more years, you will be able to buy a HDB along with all the benefits, being it more affordable, taking advantage of the CPF grant, etc. Or taking advantage of the current soft market, enter the private market and hopefully, make a tidy profit when the market turn favourable to your advantage.
You have to be really careful about the HDB existing rulings and have to take note that every few years, there will be major or minor changes in the policies. Besides, you may meet another partner along the way, who knows? Then you won't have to wait till 35 to own a HDB.
In my opinion, if you are financially strong, it will be better off venturing into the private property segment in the long run. There are strong properties that are able to allow you to cover monthly mortgage after renting out. Of course, in the present market, it will be leaning more towards to a tenants'/buyers' market.
However, it comes down to a fundamental question of your objective, is this purchase more for your own use purpose or more for investment? This will greatly help you get started in your journey of finding the right property.
The following websites may be useful for you:
Hope this helps!
John Tan YS
ERA Realty Network Pte Ltd
+65 9633 8431