Compare HDB BTO and resale flats side-by-side — grants, lease depreciation impact, monthly mortgage, and breakeven year.
Look up recent BTO launches and recent resale transactions in the same town/estate. BTO is subsidized but typically located in less central areas. Resale prices reflect current market demand.
BTO buyers can stack EHG (up to S$120K, income-tested) + Family Grant (S$50K for proximity to parents/married child). Resale only gets EHG. The grant gap often outweighs the price difference.
Resale flats lose value rapidly under 60 years remaining lease — banks haircut loan-to-value, buyers finance less. A 75-year-old flat is roughly 88% of its value; a 50-year-old is 70%. BTO always starts at 99 years.
BTO wait is typically 3–5 years. You will rent during that period (S$2,000–3,500/mo for a comparable 2- or 3-bedroom). Factor in this opportunity cost when comparing total cost.
The breakeven year tells you how long you must stay for BTO savings to outweigh rent costs during the wait. If you expect to move within 5–7 years, resale is often the better financial choice.
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BTO is cheaper up-front (after grants) — typically 30–40% less than comparable resale in the same town. However, the wait cost and lease decay on resale are critical factors. Use this calculator to find your specific breakeven year.
Yes. CPF OA can fund up to 15% of the price (BTO or resale) for the downpayment, and monthly mortgage service. On sale, the OA principal + 2.5% accrued interest must be refunded.
Typically 3–5 years from balloting to TOP (Temporary Occupation Permit). Mature estates (Toa Payoh, Queenstown) may be 5–7 years; non-mature (Sengkang, Punggol) 3–4 years.
It uses HDB's official 2026 EHG tiers, Family Grant amounts, and indicative loan rates (HDB 2.6%, Bank 2.9%). Verify final numbers at hdb.gov.sg before committing.