To assist you in making decision, properly you need data rather than feelings to make such decision that last for 30 years.
(1) Capital appreciation: Private vs HDB
2007 to 2017: Capital appreciation in private increased $600 psf compare to HDB $200psf.
In short, private property increased 3 times more than HDB for the past 10 years.
No one can definite forecast what happen 30 yrs later, but you may use this as a guide in terms of past transactions.
(2) Rules and regulations:
Generally, HDB flats are meant for accomodation than gaining profit.
Private properties are meant for both accomodation and investment. Thus when talk about investment, there shall be gain & loss.
Thus the chance of gain in private property is 50% more than HDB already. Of course, it is the same there are 50% of loss as well.
Main decisions in implementing cooling measure though affecting the whole market, but in general is to control the price from rising too fast creating bubble.
It is meant to ensure everyone can afford HDB but not on private, as private also meant for investment. Thus there are rooms for private property to raise as compare to HDB.
This is an obvious fact.
More land will reserve for HDB than private, because all SC or SPR accomodation has to be taken care off as compare to whether there are land sufficient for investment.
Private property will receive En-bloc proposal, which usually receive more than selling individually.
So far, most of the private property will goes through En-bloc when it reaches certain age, reason due to (3) illustrated.
(5) Who can buy?
There are certain criteria and conditions to buy HDB, but private property can be sold to anyone.
Thus increase the buyers' group.
Hope the above answer to your main concerns, but if there are more queries, please feel free to contact me at 90110636, or email: email@example.com if more information is needed.
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