{"id":6228,"date":"2022-02-21T04:00:52","date_gmt":"2022-02-20T20:00:52","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=6228"},"modified":"2024-10-11T12:08:48","modified_gmt":"2024-10-11T04:08:48","slug":"bto-ec-resale-best-investment","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/bto-ec-resale-best-investment\/","title":{"rendered":"BTO vs Resale vs EC: Which is best for investment?"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p>A lot of Singaporeans think of their house as a retirement plan. Come the age of 65, when we walk out of the office for the last time, we will need some income. If the plan is to look at the house, then it&#8217;s logical to ponder which type is the real moneymaker. Not everyone can get a condo. So should you look at BTO, EC, or resale flat for the most profit?<\/p>\n<h2>A key consideration: Location<\/h2>\n<p>For the argument, assume that the following pertains to units in the same general location. Otherwise,<strong> location is a more significant determinant of flat values<\/strong>, when compared to the type of flat in question.<\/p>\n<h2><b><b><b>#1: BTO flats<\/b><\/b><\/b><\/h2>\n<p><strong>How much:<\/strong> Around S$300,000 for a four-room flat in a non-mature estate<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>High potential appreciation\/profit margin<\/li>\n<li>Typically cheaper to renovate, compared to resale flats<\/li>\n<li>Unit layout more aligned to modern lifestyles compared to older flats<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Long wait for completion (can consider <a href=\"https:\/\/www.99.co\/singapore\/insider\/sale-of-balance-flats-hdb\/\" target=\"_blank\" rel=\"noopener\">Sale of Balance Flats<\/a>, which are closer to completion\/already completed)<\/li>\n<li>Limited choice of location<\/li>\n<li>Fewer grants are available, compared to resale flats<\/li>\n<li>Low chances of successful balloting for popular projects<\/li>\n<\/ul>\n<p>The main advantage of <a href=\"https:\/\/www.99.co\/singapore\/insider\/feb-2022-hdb-bto-overview\/\" target=\"_blank\" rel=\"noopener\">HDB BTO<\/a> flats is that it is always sold at a discount to market value, even though BTO prices have been creeping up steadily. Despite gripes about BTO prices, the reason Singaporean first-time homebuyers still flock to them is simply because a BTO flat will <em>always<\/em> be worth significantly more than the initial price once it hits its five-year <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-minimum-occupation-period-mop\/\" target=\"_blank\" rel=\"noopener\">Minimum Occupation Period (MOP)<\/a>.<\/p>\n<p>Here&#8217;s a recent case-in-point: four-room flats in <a href=\"https:\/\/www.99.co\/singapore\/neighbourhoods\/sembawang\" target=\"_blank\" rel=\"noopener\">Sembawang<\/a>&#8216;s <a href=\"https:\/\/www.99.co\/singapore\/hdb\/montreal-ville-de5BveLP5CWF8D5nhjk4CAHU\" target=\"_blank\" rel=\"noopener\">Montreal Ville<\/a> cost S$255,000 to S$310,000 when they were launched in April 2011. Since hitting its MOP in 2019, these flats have been sold between S$322,000 to S$510,000.<\/p>\n<p>Profits for sellers can be as high as S$200k, making this BTO project a surer and more profitable bet than most things you can put your money on.<\/p>\n<p>Price-wise, BTO flats in non-mature estates are sold at a higher discount. Combined with upside from future developments, the BTO flats here could see higher potential appreciation, percentage-wise, than pricier BTO flats in mature estates, even <a href=\"https:\/\/www.99.co\/singapore\/insider\/bto-project-the-pinnacle-duxton\/\" target=\"_blank\" rel=\"noopener\">exceeding<\/a> <a href=\"https:\/\/www.99.co\/singapore\/hdb\/the-pinnacle-duxton-de84zoRNJ9gpzbow3a7N2CS3\" target=\"_blank\" rel=\"noopener\">Pinnacle @ Duxton<\/a>.<\/p>\n<p>On top of that, we now have the <a href=\"https:\/\/www.99.co\/singapore\/insider\/plh-prime-location-public-housing-model-hdb\/\" target=\"_blank\" rel=\"noopener\">Prime Location Public Housing (PLH)<\/a> model for BTOs near the city centre. With restrictions such as a 10-year MOP and subsidy clawback, resale gains for these flats are expected to be lower.<\/p>\n<p>Alas, the difficulty of balloting for a BTO flat means not every Singaporean first-time homebuyer can get one, especially if they cannot wait four to five years for a home to call their own.<\/p>\n<p>For those looking to make a profit, be warned that oversupply of new flats in estates such as <a href=\"https:\/\/www.99.co\/singapore\/neighbourhoods\/punggol\" target=\"_blank\" rel=\"noopener\">Punggol<\/a> (and the upcoming <a href=\"https:\/\/www.99.co\/singapore\/neighbourhoods\/tengah\" target=\"_blank\" rel=\"noopener\">Tengah<\/a> and Tampines North) will also make it more challenging for flat owners to sell flats upon MOP. The supply may also result in downward price pressure, and owners could find themselves in danger of selling below valuation even though there is a mathematical profit. Such sellers could fall into the trap of making a <a href=\"https:\/\/www.99.co\/singapore\/insider\/negative-sale-hdb-condo-debt\/\" target=\"_blank\" rel=\"noopener\">negative sale<\/a>, with dire financial consequences.<\/p>\n<p>So, its worth being open to options when BTO owners have reached the five-year MOP period. Even for owners who want to upgrade, it&#8217;s important to consider the option of retaining your HDB flat for <a href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-rental-yields-high\/\" target=\"_blank\" rel=\"noopener\">rental yield<\/a>, even if doing so will entail having to pay ABSD for <a href=\"https:\/\/www.99.co\/singapore\/insider\/consider-buying-second-property\/\" target=\"_blank\" rel=\"noopener\">buying a second property<\/a>.<\/p>\n<p>Even though this may take you a few years more to save up to upgrade, it could be a better long-term asset progression strategy than selling your BTO flat.<\/p>\n<figure id=\"attachment_36126\" aria-describedby=\"caption-attachment-36126\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-36126\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2020\/08\/aug-2020-hdb-bto-geylang-dakota-one-1.png\" alt=\"dakota one bto\" width=\"600\" height=\"361\" \/><figcaption id=\"caption-attachment-36126\" class=\"wp-caption-text\">BTO flats, especially those in mature estates, are getting expensive. Photo: Dakota One\/HDB.<\/figcaption><\/figure>\n<h2><b>#2: Resale flats<\/b><\/h2>\n<p><strong>How much:<\/strong> From around S$450,000 for a four-room flat in a non-mature estate<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Very wide selection; can choose any location you want<\/li>\n<li>The <a href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-resale-grants-how-much\/\" target=\"_blank\" rel=\"noopener\">additional resale grants available<\/a> for buyers of resale flats can make them even cheaper than BTO<\/li>\n<li>Some unit configurations may be larger than BTO flats<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Not a fresh 99-year lease<\/li>\n<li>Higher renovation cost if hacking\/disposal is needed<\/li>\n<li>Older flats could mean maintenance issues down the road<\/li>\n<li>Newer resale flats are expensive<\/li>\n<\/ul>\n<p>To be blunt, buying a <a href=\"https:\/\/www.99.co\/singapore\/sale\/hdb\" target=\"_blank\" rel=\"noopener\">resale flat<\/a> will net you the lowest profit when you sell it again. This is because resale flats are primarily bought for reasons beyond profitability.<\/p>\n<p>What&#8217;s certain is that buyers of <a href=\"https:\/\/www.99.co\/singapore\/insider\/million-dollar-flat-hotspots-bishan-vs-toa-payoh\/\" target=\"_blank\" rel=\"noopener\">million-dollar resale flats<\/a> <a href=\"https:\/\/www.99.co\/singapore\/insider\/designer-jumbo-flat-ang-mo-kio-hdb-million\/\" target=\"_blank\" rel=\"noopener\">such as this<\/a> cannot expect to make huge profits. Given the large sum they paid for their resale units, it&#8217;s unlikely that the value will appreciate in 10 or 15 years. The value of the flat could even depreciate because of the <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-lease-decay\/\" target=\"_blank\" rel=\"noopener\">lease decay<\/a>.<\/p>\n<p>One reason buyers tolerate the higher price is that the flat is already completed and ready to move in. There is no construction wait time, and it is one way to immediately get a flat in a mature area, or in the exact location you want.<\/p>\n<p>Also, the government offers a greater variety of housing grants and a higher total grant amount (up to S$160,000) for buyers of resale flats versus BTO flats. This is a huge incentive.<\/p>\n<p>Some buyers, such as <a href=\"https:\/\/www.99.co\/singapore\/insider\/can-pr-buy-hdb-resale-flat\/\" target=\"_blank\" rel=\"noopener\">families with only Permanent Residents, can only buy resale flats<\/a>.<\/p>\n<p>Despite higher prices, rental yields of resale flats still average around 7%. So factor this into your asset progression strategy, or adopt a diversified investment approach rather than relying on your flat&#8217;s value as a nest egg.<\/p>\n<p>Some owners just treat their nicely renovated resale flat as a liability (i.e. an expense) rather than an asset, and that is not a bad option if you have a sound long-term financial plan in place and all you want is just a decent roof over your head.<\/p>\n    <section id=\"portal-widget-tab-panel-69f9e670dcffb\" class=\"portal-widget-tab-panel\">\n        <div class=\"swiper-container\" id=\"swiper-container-69f9e670dcffb\">\n                        <div class=\"row-title-widget\">\n                <div class=\"portal-widget-carousel-title-left\"><h4 class=\"portal-widget-title\">HDB resale flats for sale<\/h4><\/div>\n                <div class=\"portal-widget-carousel-title-right text-right\"><span class=\"portal-widget-see-all-link link-top\"><a href=\"\" class=\"nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale?listing_type=sale&amp;main_category=hdb&amp;map_bounds=1.123146%2C103.627987%2C1.506311%2C104.066185&amp;name=Singapore&amp;page_num=1&amp;page_size=35&amp;property_segments=residential&amp;query_coords=1.354883%2C103.817413&amp;query_ids=singapore&amp;query_limit=radius&amp;query_type=city&amp;radius_max=1000&amp;rental_type=unit&amp;show_cluster_preview=true&amp;show_description=true&amp;show_future_mrts=true&amp;show_internal_linking=true&amp;show_meta_description=true&amp;show_nearby=true&amp;zoom=11&utm_source=blog&utm_medium=widget\">See all listings<\/a><\/span><\/div>\n            <\/div>\n                        <div class=\"portal-widget-carousel swiper-wrapper\">\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/K7YM8tvTpEmX2EtYKaQKLF?text=Joan+Bagus&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=5e8e7d9a2fae18fbd938e233309b1d4be538ac46\" alt=\"106 Teck Whye Lane Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">106 Teck Whye Lane<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 680106 \u00b7 D23<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>786 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 419,999<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/106-teck-whye-lane-hdb-RGv2Gr4hbCbQvQZqV4AdB4?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/R59yA6jzCswX2RERQZ5p4g?text=Society+of+Homes+%28Benjamin+Cheong%29&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=201903cc0c0d4f037a074aca64ea48d5b0db9176\" alt=\"998B Buangkok Crescent Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">998B Buangkok Crescent<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 532998 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,001 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 690,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/998b-buangkok-crescent-hdb-hJ2JSFbkXX8S9ZaSwaF3TL?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/VgcqgTn5vUDD7AudvWNbwM?text=Lee+Gek+Keng+%28GK+Lee%29&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=65a79ade6b2e9290877b6c73c82dd6a88fc56b88\" alt=\"321C Anchorvale Drive Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">321C Anchorvale Drive<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 543321 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,184 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 780,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/321c-anchorvale-drive-hdb-LMPUTSdLsAdN4R4MtB9RUW?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/MF7tzdd38Hfq9mzM2Pab3W?text=Pok+Fon+Kim&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=bf1f71aa53fe6ed7ec5e4ea2a7e74494846c3186\" alt=\"642 Bedok Reservoir Road Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">642 Bedok Reservoir Road<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 410642 \u00b7 D14<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,582 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,100,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/642-bedok-reservoir-road-hdb-aFRjaHwni2RiCvxHWHQX6K?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/5G6T5CSGm83QhBAmebroAL?text=Ramkumar&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=ba2d9412815ea80347f96b203ecebd1a9d074917\" alt=\"701 Yishun Avenue 5 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">701 Yishun Avenue 5<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 760701 \u00b7 D27<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>734 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 428,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/701-yishun-avenue-5-hdb-M9Vq5q4iqzBComXyVP2jJs?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/As8FFr5dgQxPKc5hfrGjSb?text=Dave+Tan&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=b58c8f7120a5f246567d1903b3f1d56fc6058ac1\" alt=\"845 Woodlands Street 82 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">845 Woodlands Street 82<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 730845 \u00b7 D25<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>904 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 490,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/845-woodlands-street-82-hdb-KPzMkhWr87iFtchycoruV9?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/J9V5ugJK3cvGEFSJ3MBvb8?text=Jackson+Tan&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=d0d696ab46472f3cbb664694b50d6db305581e27\" alt=\"336C Yishun Street 31 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">336C Yishun Street 31<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 763336 \u00b7 D27<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>990 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 620,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/336c-yishun-street-31-hdb-eRBtgPvouzcJetkrvuKyxZ?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/mEBWK8munB6LyzFyZrbDr6?text=Yang+Ming+Ang&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=deda8910b06015501266b17c9fb1539f3be0002b\" alt=\"147 Mei Ling Street Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">147 Mei Ling Street<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 140147 \u00b7 D3<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>4<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,657 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,899,999<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/147-mei-ling-street-hdb-SCD4RFZjSFJm9VXdkC9SQU?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                            <div class=\"portal-widget-formatted-tags\">\n            <\/div>\n                        <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/SZ2yjkApN9iJwrLeQioCrP?text=Andrew+Ho&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=6891b7a9acb029c1cbebee780c6d77c45d1ac67b\" alt=\"17 Marine Terrace Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">17 Marine Terrace<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 440017 \u00b7 D15<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>1<\/span>\n                                <\/div>\n                                <div >\n                                    <span>883 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 550,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/17-marine-terrace-hdb-jwnzvDDcmazjURBFPGXCGx?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/5BzjNKSAMFNtU5j5aE5qDM?text=Lionel+Ng&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=77e4f34849f13a4cabc19f29a39848342c9f9eed\" alt=\"513 Woodlands Drive 14 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">513 Woodlands Drive 14<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 730513 \u00b7 D25<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,152 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 618,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/513-woodlands-drive-14-hdb-ibGZ3XyZSELgBbSZSskpuK?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n            <!-- Add Arrows -->\n            <div class=\"swiper-button-next\"><\/div>\n            <div class=\"swiper-button-prev\"><\/div>\n                    <\/div>\n    <\/section>\n\n<p>&nbsp;<\/p>\n<h2><b>#3: Executive Condominiums<\/b><\/h2>\n<p><strong>How much:<\/strong> From around S$900,000 for a three-bedroom unit<\/p>\n<p><strong>Pros:<\/strong><\/p>\n<ul>\n<li>Cheaper than a comparable <a href=\"https:\/\/www.99.co\/singapore\/new-launches\" target=\"_blank\" rel=\"noopener\">new launch condo<\/a><\/li>\n<li>Units are more spacious than a comparable new launch condo<\/li>\n<li>Some <a href=\"https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/new\/schemes-and-grants\/cpf-housing-grants-for-ecs\" target=\"_blank\" rel=\"noopener\">grants available<\/a><\/li>\n<li>Full condo facilities<\/li>\n<li>Minimal renovation required upon moving in<\/li>\n<li>Can be sold to PRs after a five-year MOP period and sold to foreigners after 10 years<\/li>\n<li>Nearly guaranteed appreciation upon MOP<\/li>\n<\/ul>\n<p><strong>Cons:<\/strong><\/p>\n<ul>\n<li>Price is <a href=\"https:\/\/www.99.co\/singapore\/insider\/earn-how-much-buy-new-resale-executive-condo-ec\/\" target=\"_blank\" rel=\"noopener\">out of reach for most first-time buyers<\/a>, unless their combined income exceeds S$13,000<\/li>\n<li>25% down payment needed, 5% of which must be in cash<\/li>\n<li>Income ceiling of S$16,000<\/li>\n<li>Limited locations, <a href=\"https:\/\/www.99.co\/singapore\/insider\/executive-condos-ec-location-far-away\/\" target=\"_blank\" rel=\"noopener\">mostly inaccessible<\/a><\/li>\n<li>Rising prices mean that some resale condos are cheaper than ECs<\/li>\n<li>Lower rental yield than HDB flats and some condos<\/li>\n<li>Though leasehold, the condo value is less resistant to the effects of lease decay. They can also undergo en bloc.<\/li>\n<li>Buyers must sell their existing HDB flat<\/li>\n<\/ul>\n<p>Like BTO flats, <a href=\"https:\/\/www.99.co\/singapore\/sale\/executive-condominiums\" target=\"_blank\" rel=\"noopener\">Executive Condos<\/a> also promise stellar price appreciation upon MOP.<\/p>\n<p>Let&#8217;s compare an EC (<a href=\"https:\/\/www.99.co\/singapore\/condos-apartments\/prive\" target=\"_blank\" rel=\"noopener\">Prive<\/a>) and non-EC (<a href=\"https:\/\/www.99.co\/singapore\/condos-apartments\/parc-centros\" target=\"_blank\" rel=\"noopener\">Parc Centros<\/a>) launched in roughly the same location in Punggol less than one year apart in December 2011 and July 2012, respectively. Prive&#8217;s three-bedder prices were around S$695 per square foot (median figure) in the first three months of its launch versus S$920 psf for three-bedroom units at Parc Centros.<\/p>\n<p>In 2020, such units at Parc Centros transacted at a median of S$1,147 psf, whereas similar units at Prive transacted at a median of S$978 psf.<\/p>\n<p>This translates to a 24.7% profit for Parc Centros three-bedder units, and an eye-popping 40.7% for Prive&#8217;s three-bedder units.<\/p>\n<p>Over the next few years, as Prive becomes fully privatised, prices will be closer to that of resale condos, netting even more profit for sellers.<\/p>\n<p>That being said, developers are raising the prices of ECs. The latest EC to hit the market, <a href=\"https:\/\/www.99.co\/singapore\/condos-apartments\/parc-greenwich\" target=\"_blank\" rel=\"noopener\">Parc Greenwich<\/a>, had an <a href=\"https:\/\/www.straitstimes.com\/business\/property\/parc-greenwich-ec-sells-65-of-units-on-launch-weekend\" target=\"_blank\" rel=\"noopener\">average price psf of S$1,200<\/a> during its launch weekend.<\/p>\n<figure id=\"attachment_48676\" aria-describedby=\"caption-attachment-48676\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/02\/executive-condo-price-trend.png\" class=\"img-link media-img img-link media-img\"><img decoding=\"async\" class=\"wp-image-48676\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/02\/executive-condo-price-trend.png\" alt=\"Price trend of Executive Condos over the past 15 years\" width=\"600\" height=\"615\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/02\/executive-condo-price-trend.png 780w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/02\/executive-condo-price-trend-150x154.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-48676\" class=\"wp-caption-text\">Over the past 15 years, prices of Executive Condos have increased by 155.97%.<\/figcaption><\/figure>\n<p>While EC prices are getting higher, it&#8217;s reasonable to argue that buyers can still get a healthy profit upon MOP, especially if the location of the EC carries upside from future developments.<\/p>\n    <section id=\"portal-widget-tab-panel-69f9e670ddb19\" class=\"portal-widget-tab-panel\">\n        <div class=\"swiper-container\" id=\"swiper-container-69f9e670ddb19\">\n                        <div class=\"row-title-widget\">\n                <div class=\"portal-widget-carousel-title-left\"><h4 class=\"portal-widget-title\">New launch ECs for sale<\/h4><\/div>\n                <div class=\"portal-widget-carousel-title-right text-right\"><span class=\"portal-widget-see-all-link link-top\"><a href=\"\" class=\"nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/executive-condominiums?isFilterUnapplied=false&amp;is_new_launch=true&amp;listing_type=sale&amp;main_category=condo&amp;map_bounds=1.5827095153768858%2C103.49449749970108%2C1.1090706240313446%2C104.12483807587296&amp;page_num=1&amp;page_size=35&amp;property_segments=residential&amp;query_coords=1.3039947%2C103.8298507&amp;query_limit=radius&amp;query_type=city&amp;radius_max=1000&amp;rental_type=unit&amp;show_cluster_preview=true&amp;show_description=true&amp;show_future_mrts=true&amp;show_internal_linking=true&amp;show_meta_description=true&amp;show_nearby=true&amp;sub_categories=executive_condo&amp;zoom=11&utm_source=blog&utm_medium=widget\">See all listings<\/a><\/span><\/div>\n            <\/div>\n                        <div class=\"portal-widget-carousel swiper-wrapper\">\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/jZGV9RamCXjxRRFdH8GsHK?text=Lee+Gek+Keng+%28GK+Lee%29&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=aeefd5368584145cabba4e58ce93cd05944e0424\" alt=\"Coastal Cabana Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Coastal Cabana<\/div>\n                            <div class=\"card-text card-subtitle\">32 Jln Loyang Besar \u00b7 D17<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>4<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,012 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,623,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/coastal-cabana-condo-S3tmYD9gd63CJfjQsYEGvu?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/24x5V5CQQPbWBminKozwHB?text=Lee+Gek+Keng+%28GK+Lee%29&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=eb98084c88002bb424bc02157c9a981599aefe60\" alt=\"Otto Place Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Otto Place<\/div>\n                            <div class=\"card-text card-subtitle\">30 Plantation Cl \u00b7 D24<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>872 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,430,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/otto-place-condo-SJ3EcDaEhPPNwRNJCKSdC2?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/mXgmco9dzvfb5ftswreT8P?text=John+Lee&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=d92a03062a3d11810d4d4b81907a34d6e5a0cbaf\" alt=\"Coastal Cabana Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Coastal Cabana<\/div>\n                            <div class=\"card-text card-subtitle\">32 Jln Loyang Besar \u00b7 D17<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>872 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,535,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/coastal-cabana-condo-k3jzii8XCV6R7QKYicGKjn?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/BucnhDo9q4Q83rrcruiZuT?text=John+Lee&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=9bb392e08fac622d0f795503ba107103d1b83092\" alt=\"Coastal Cabana Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Coastal Cabana<\/div>\n                            <div class=\"card-text card-subtitle\">32 Jln Loyang Besar \u00b7 D17<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>4<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,012 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,879,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/coastal-cabana-condo-o6vf9GyDnvjMHnF6uS6xuv?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/hHC6X6cbQEdWfujEA6fYhL?text=AROS+OSMAN+%28AROS%29&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=45d1dac1a8bbd441c655061ad2027343ee41abde\" alt=\"Coastal Cabana Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Coastal Cabana<\/div>\n                            <div class=\"card-text card-subtitle\">32 Jln Loyang Besar \u00b7 D17<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>872 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,438,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/coastal-cabana-condo-54v5ogc6L89Hevex6bnBy3?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/F2EkaRxuF6AeA9THF67EE7?text=Jean+Jin&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=de1e46b64d5af1bda155b8cccb0620e6a46b07d5\" alt=\"Coastal Cabana Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Coastal Cabana<\/div>\n                            <div class=\"card-text card-subtitle\">22 Jln Loyang Besar \u00b7 D17<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>915 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,575,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/coastal-cabana-condo-g35y4EWsGY2QYEiDFbWrM7?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/WcRJG7p6nQKkknsA6pqQbF?text=Henry+Lim&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=102777e28163642a58a318470234e95b279a909e\" alt=\"Coastal Cabana Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Coastal Cabana<\/div>\n                            <div class=\"card-text card-subtitle\">32 Jln Loyang Besar \u00b7 D17<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>4<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <span>990 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,655,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/coastal-cabana-condo-ewRbVfDn4ZecoaRAbLUPk3?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/AkMwDxXMBhrF8nNeDGgqNh?text=Henry+Lim&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=26f0a59d67544c9eadaf3d52cf1df44390902ed4\" alt=\"Rivelle Tampines Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Rivelle Tampines<\/div>\n                            <div class=\"card-text card-subtitle\">67 Tampines St 95 \u00b7 D18<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>4<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,044 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,930,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/rivelle-tampines-condo-cqer8oTi8TVaHonPSDjrsG?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/WFbe7T8Y5m73H8jxFQ4EtX?text=Henry+Lim&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=ca8d1be30fc5290e64f9a326d372f84ad9e43627\" alt=\"Coastal Cabana Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Coastal Cabana<\/div>\n                            <div class=\"card-text card-subtitle\">22 Jln Loyang Besar \u00b7 D17<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>872 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,505,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/coastal-cabana-condo-Qy3UXuWBtmbjneRWjoToHt?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/BCp4c25ZLVmfDpPwVDJmDb?text=Lee+Gek+Keng+%28GK+Lee%29&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=764d77fcb3416460fc273ddc5fa7dccab27fa8aa\" alt=\"Otto Place Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">Otto Place<\/div>\n                            <div class=\"card-text card-subtitle\">30 Plantation Cl \u00b7 D24<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <span>958 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,580,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/otto-place-condo-gdcATU6TmzVdyYHGbHBQAQ?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n            <!-- Add Arrows -->\n            <div class=\"swiper-button-next\"><\/div>\n            <div class=\"swiper-button-prev\"><\/div>\n                    <\/div>\n    <\/section>\n\n<p>&nbsp;<\/p>\n<p>Undoubtedly, there will be a group of buyers in the mid-high income bracket weighing between buying a <a href=\"https:\/\/www.99.co\/singapore\/insider\/full-list-bto-projects-mop-2022-near-mrt\/\" target=\"_blank\" rel=\"noopener\">new resale HDB flat (that just hit MOP)<\/a> in a mature estate, and a new launch EC in a suburb. They will be wondering which is the better purchase for own-stay, and which will fit better into a plan for asset progression.<\/p>\n<p>If an EC feels like a bit of a stretch for you right now, in terms of finances, then securing an HDB resale flat in a good location could be your best bet to kick start your asset progression journey.<\/p>\n<p>The money you save by buying a resale flat can grow in investments to prepare you for your private property purchase five to 10 years down the road. Thereafter, you get to rent out your resale flat at a high rental yield, or sell the flat to fund an upgrade to a private home (if you are averse to paying <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-additional-buyers-stamp-duty-absd\/\" target=\"_blank\" rel=\"noopener\">Additional Buyer&#8217;s Stamp Duty<\/a>).<\/p>\n<p>Here&#8217;s the major takeaway: Don&#8217;t be too fixated on getting that BTO flat. If you are unsuccessful too many times, it could be time to give resale or an EC (if you can afford it) a go.<\/p>\n<hr \/>\n<h2>Which property type is a good move for investment? Let us know in the comments section below or on our Facebook <a href=\"https:\/\/www.facebook.com\/99dotco\/posts\/2215710238582445\" target=\"_blank\" rel=\"noopener\">post<\/a>.<\/h2>\n<p>If you found this article useful, check out <a href=\"https:\/\/www.99.co\/singapore\/insider\/million-dollar-hdb-flats-are-hiding-a-worrying-resale-price-trend-heres-proof\/\">Million-dollar HDB flats are hiding a worrying resale price trend. Here\u2019s proof.<\/a> and <a href=\"https:\/\/www.99.co\/singapore\/insider\/should-not-get-plh-hdb-flat-if-upgrading\/\" target=\"_blank\" rel=\"noopener\">Here\u2019s why you may not want to get the PLH flat if you\u2019re thinking of upgrading in future.<\/a><\/p>\n<p class=\"p1\">Looking for a property? Find the home of your dreams today in Singapore\u2019s fastest-growing <a href=\"https:\/\/www.99.co\/?utm_source=blog%20main%20site%20conversion\" target=\"_blank\" rel=\"noopener\">property portal\u00a099.co<\/a>! If you would like to estimate the potential value of your property, check out <a href=\"https:\/\/www.99.co\/singapore\/property-value-tool\" target=\"_blank\" rel=\"noopener\">99.co\u2019s Property Value Tool<\/a>\u00a0for free. Also, don&#8217;t forget to join our Facebook\u00a0<a href=\"https:\/\/www.facebook.com\/groups\/yourpropertycommunity\" target=\"_blank\" rel=\"noopener\">community page&lt;<\/a>! Meanwhile, if you have an interesting property-related story to share with us, drop us a message\u00a0<a href=\"mailto:marketing@99.co\" target=\"_blank\" rel=\"noopener\">here<\/a> \u2014 and we will review it and get back to you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A lot of Singaporeans think of their house as a retirement plan. Come the age of 65, when we walk out of the office for the last time, we will need some income. If the plan is to look at the house, then it&#8217;s logical to ponder which type is the real moneymaker. Not everyone&hellip;<\/p>\n","protected":false},"author":81,"featured_media":54318,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"no","_lmt_disable":"no","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53601,53725,53631,57131],"tags":[53968,53948,54005,53915],"persona":[],"class_list":{"2":"type-post","15":"entry","16":"has-post-thumbnail"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.7.1 (Yoast SEO v25.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BTO vs Resale vs EC: Which is best for investment?<\/title>\n<meta name=\"description\" content=\"Not everyone can get a condo. So should you look at BTO, EC, or resale flat for the most profit? This article examines it in-depth.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.99.co\/singapore\/insider\/bto-ec-resale-best-investment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BTO vs Resale vs EC: Which is best for investment?\" \/>\n<meta property=\"og:description\" content=\"Not everyone can get a condo. So should you look at BTO, EC, or resale flat for the most profit? This article examines it in-depth.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.99.co\/singapore\/insider\/bto-ec-resale-best-investment\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/99dotco\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-20T20:00:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-11T04:08:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/EC-vs-Resale-vs-BTO.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2419\" \/>\n\t<meta property=\"og:image:height\" content=\"1267\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Kyle Leung\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"BTO vs Resale vs EC: Which is best for investment?\" \/>\n<meta name=\"twitter:creator\" content=\"@99dotco\" \/>\n<meta name=\"twitter:site\" content=\"@99dotco\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kyle Leung\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/bto-ec-resale-best-investment\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/bto-ec-resale-best-investment\/\"},\"author\":{\"name\":\"Kyle Leung\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/ec6e09cb99bd50216b9bd7d30efabe97\"},\"headline\":\"BTO vs Resale vs EC: Which is best for investment?\",\"datePublished\":\"2022-02-20T20:00:52+00:00\",\"dateModified\":\"2024-10-11T04:08:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/bto-ec-resale-best-investment\/\"},\"wordCount\":1881,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/bto-ec-resale-best-investment\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/EC-vs-Resale-vs-BTO.png\",\"keywords\":[\"asset progression\",\"buying HDB resale\",\"Executive Condo\",\"HDB BTO\"],\"articleSection\":[\"Condo\",\"Executive Condo\",\"HDB\",\"Property News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.99.co\/singapore\/insider\/bto-ec-resale-best-investment\/#respond\"]}],\"copyrightYear\":\"2022\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/bto-ec-resale-best-investment\/\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/bto-ec-resale-best-investment\/\",\"name\":\"BTO vs Resale vs EC: Which is best for investment?\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/bto-ec-resale-best-investment\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/bto-ec-resale-best-investment\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/07\/EC-vs-Resale-vs-BTO.png\",\"datePublished\":\"2022-02-20T20:00:52+00:00\",\"dateModified\":\"2024-10-11T04:08:48+00:00\",\"description\":\"Not everyone can get a condo. 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