Property Stories Home Buying Stories #1: Buying A Condo At 25

  • September 30, 2020
  • 8 min read
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Ryan J

Ryan is an old school print journalist gone digital. He's lived in almost every type of housing in Singapore, from flats to landed homes. Over the past 18 years, he's been a content developer for companies large and small, a co-founder in an education business, and sometimes a voice on the radio. He also spends too much time and money on painting little plastic soldiers.


Can someone help me to understand in this article, why is it a mistake to take on a ‘two year fixed rate’ and how is 1.3 percent bad? Isn’t lower interest better, which translate to lower monthly repayment?

Des ong
Des ong

i think it is saying khai is currently locked in with a 2- yrs loan and hence could not take the advantage on the current 1.3% rate.


woul’dnt “khai” be better off getting married and balloting for a HDB in dakota or bidadari?

Stacked Homes
Stacked Homes

Hey there! Thanks for your comment, though not everyone is looking to settle down. As a single, there aren’t too many options to begin with especially at that age.


As a single who owned his first private property (1 bedder in D15) at age 30, I have been there done that and fully appreciate the sacrifices one made in order to own that first apartment. However, I would not jump into a Rosewood drive one vs a Clementi one for my very first unless I intend for it to be mine very last (or for a really long long time). It is anyone’s guess the appreciation potential of one over the other. Stats can probably give a strong bias for one over the other without even needing to guess.… Read more »

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