5 Answers

askguru expert
Hi there, thanks for writing to us on AskGuru.

Generally, a private property is better for long-term investment and capital appreciation. HDB properties are generally for own occupation. The decaying lease will impact a flat's resale value due to the pro-rated CPF usage. As such, if you have the budget to purchase a resale condominium, by all means do it.

However, if you will like to purchase a resale HDB flat, especially in mature areas, you will most likely experience the decaying lease effect.

We advise you to get an experienced agent who can give your prudent financial advice.

Hope this answers your question.

Best Regards,

Team PropertyGuru Read More


Rix Jim
Hi there, between a Resale HDB and a private condo, I would first of all work out our budget with regards to the initial down payment and also the monthly mortgage repayment. Next would be your requirements such as schools and transportation. Next would be capital appreciation potential and such. Do give me a call or text for a more detailed discussions.
Rix Jim
9687 1379
PN Read More


Taufik Hussein

Your concern and thoughts is extremely valid although it is important to have some holding power in the long run to avoid having to sell your condo when the market in going down. As trends for properties is moving upwards both HDB and private property, it is a good time for HDB upgraders to make a move to private property market. They are able sell their HDB at a very high price which is in the upward trend since 7 years ago. In addition, they can start their investment plan by purchasing potential resale developments which has higher chances of good capital appreciation compared to HDB. I managed to assist a few client in transitioning smoothly from HDB to private property. Moreover my charges for purchase of private property is 100% free. Do contact me at 93375051 for a free and non obligatory discussion on this.

Taufik Hussein
ERA Realty Network Pte Ltd Read More


Robbie Chen Chee Howe

Typically, private properties enjoy higher potential upside as compared to resale HDB flats.

However, this is not a certainty, because it still depends on the price that you enter, as well as your exit strategy. I have seen many cases where private property owners lose money on their purchases, even though they have the "holding power". I am sure no one likes to enter and then "get stuck" for decades holding onto a non-appreciating asset.

Likewise for new launches, it is not a certain that you will surely make profits by purchasing new launches. I can name many launches whereby the first buyers made huge losses on their investment decision.

When you're purchasing a property, especially if you're looking for own stay, there are many other factors which you should also consider, apart from price and potential appreciation.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile 9748 6305. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
9748 6305
PropNex Realty Read More


Nick Tan
Dear Sir/Mdm,

You are right to point out that buying a resale HDB, the upside is limited whereas a condo, there is still some upside in the future. If you are still relatively young with your earning power still on the uptrend, I would strongly encourage you to upgrade to a condo to continue to grow your assets.

You may continue to stay in the condo for the next 10 to 15 years and can consider moving back to a HDB when you wish to retire so that you can utilise the profits from the sale to pay off your HDB and enjoy your retirement.

Please feel free to contact me so that I can draw up an upgrading plan for you and more importantly run through the figures with you to see how feasible is the plan.

Nick Tan
(M) +65 9644 4854
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com
SEAA Salespersons Achievement Platinum Award 2020
Visit my website to get to know me better:
I was featured recently on Council for Estate Agencies (CEA) Newsletter:

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Mr & Mrs Tan (Seller of Inter-Terrace House)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would apprecia Read More