Hi,
From the initial info shared, thinking in your shoes, I will probably consider whether a 2 bedroom condo can accommodate my current lifestyle and space needs. I suppose this is one of the main reasons why you are looking at private, to enjoy the condo environment while there's still an opportunity. May I know which of the 2 HDB are you currently staying in?
The other question would be are you still looking to stay in the western region, especially the OCR (outer central region) area? If you are buying at OCR areas, generally 3 bedroom units are easier to exit as your next buyer pool is generally larger with families as well as higher income couples. And OCR condos generally speaking, the current trends are that it is easier to find a family group buyer (more of such groups, especially hdb upgraders) for the bigger units, versus the smaller 1 & 2 bedroom that appeal to investor and smaller families more (less of such groups).
Considering your conservative stance, a good starting point to ponder will be the outflow you are comfortable with each month for the monthly repayments (keep around 5k/mth for housing?), and from there we can work backwards towards the buy price and the savings buffer.
And finally for which HDB to dispose, I would need more info to advise since for now, each may have their strong points going for it. Slightly leaning towards keeping the 4BR (I suppose you mean HDB 4-room?), as the resale buyer pool is bigger with more families in this OCR area.
It is a good time to go for private now, as interest rates remain relatively low, and the recent lifting of the 15 month rule for private property owners going back to HDB makes it easier to "go back" and downgrade as a backup plan if need be next time.
I have assisted several HDB upgraders for their upgrading journey. Look forward to work together on the same.
I am well-versed with HDB and private property transactions, having helped more than 100 home-owners to smoothly complete their housing plans over the years. Please reach out to me at (65) 9 7 4 3 2 3 9 5 for a more in-depth discussion :)
May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more
Warm Regards,
Ivan Ng
ERA Senior Marketing Director
ERA Multiple Diamond Achiever
SIEA's Salespersons Achievement Award (Platinum) 2025
SEAA Salesperson Achievement Award (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)
ERA Top 44th Achiever for Full-Year 2025 (Top 1% Company Level)
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ERA Top 11th Achiever in Feb 2024 (Top 1% Company Level)
ERA Top 64th Achiever in March 2024 (Top 1% Company Level)
ERA Top 37th Achiever in Oct 2023 (Top 1% Company Level)
SMU BBM (Finance), Magna Cum Laude
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-- HDB Yishun BTO 5-RM Sellers, Private Property Upgraders Mr. & Mrs. Koh --
I would like to express my appreciation to Ivan Ng for his excellent work. Ivan is a dedicated, client-focused, patient and sincere agent. Throughout the whole process of selling and looking for our next property, he has always acted very professionally that makes my wife and I feel at ease and assured. Ivan is not a pushy and hard sales agent. Ivan listens and understands our needs and carefully guided us through. We are fortunate to have Ivan as our agent. Thank you Ivan.
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