Resale HDB

50 BTO Flats That MOP In 2020/2021 (We Sieve Out The Most Affordable Ones)

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Ryan J

A seasoned content strategist with over 17 years in the real estate and financial journalism sectors, Ryan has built a reputation for transforming complex industry jargon into accessible knowledge. With a track record of writing and editing for leading financial platforms and publications, Ryan’s expertise has been recognised across various media outlets. His role as a former content editor for and a co-host for CNA 938’s Open House programme underscores his commitment to providing valuable insights into the property market.

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2 years ago

Hello StackedHome, I am a working adult in my mid-20s. Currently, I am facing a housing “crisis” with my fiancé. Prior to COVID, I have been keen on buying a resale unit as I never liked the idea of waiting 4 years for a BTO (especially, when one can bid up to one year and yet still secure a unit).

As we all already know, the HDB resale price has been hiking up. It’s shocking that in just one year, an unit can jump 100k in price.

I have been looking at resale units since 2019 but was not active as I was studying my final year then. Fast forward two years, I am now witnessing prices reaching a new peak. I am actively searching for a unit today and find it hard to secure one due to “unreasonable” pricing.

Many sellers would say “sell high to buy high” – I feel that this is such a twisted logic as I’m pretty sure they bought their unit at a fairly cheap price, hence, only first-time buyers like myself bear the brute of whole situation today.

Sorry for the rant. But all in all, I would like to ask:

Will the government have cooling measures to put HDB resale prices in place?

I am really stuck on whether I should just make a purchase ASAP in fears of rising prices OR should I just wait for a better opportunity.

Stacked Homes
2 years ago
Reply to  Amelia

Hi Amelia, thank you for your question. It’s a common one, and our stance is that we would rather not wait if you are urgent to purchase because we wouldn’t know how prices will behave in the future. We also don’t have any inside information on whether cooling measures will kick in, but if it does, you might be hit by the cooling measure rendering it even harder for you to purchase e.g. you have to put more for the downpayment due to a reduced Loan-To-Value ratio. We’ll still focus on the fundamentals – one that meets your objectives for you and your family, and not worry so much on whether you’d miss out if prices do go down later on, because if the opposite is true, then you’ll really be left with a smaller pool of HDBs to choose from – and that has a direct impact on your quality of life. Hope this helps!

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