{"id":78990,"date":"2024-10-10T10:56:09","date_gmt":"2024-10-10T02:56:09","guid":{"rendered":"https:\/\/www.99.co\/singapore\/insider\/?p=78990"},"modified":"2024-10-23T11:01:56","modified_gmt":"2024-10-23T03:01:56","slug":"million-dollar-hdb-resale-flats-vs-condos","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/million-dollar-hdb-resale-flats-vs-condos\/","title":{"rendered":"Why are more buyers willing to spend million-dollars on HDB flats instead of condos?"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div>\r\n<p><span style=\"font-weight: 400;\">In recent years, Singapore&#8217;s property market has seen a growing trend of buyers choosing million-dollar <a href=\"https:\/\/www.99.co\/singapore\/sale\/hdb\" target=\"_blank\" rel=\"noreferrer noopener\">HDB resale flats<\/a> over <a href=\"https:\/\/www.99.co\/singapore\/sale\/condos-apartments\" target=\"_blank\" rel=\"noreferrer noopener\">private condos<\/a>. This shift is particularly intriguing, given the significant sums involved and the range of choices available in the property landscape. <\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.99.co\/singapore\/hdb\/the-pinnacle-duxton-de84zoRNJ9gpzbow3a7N2CS3\" target=\"_blank\" rel=\"noreferrer noopener\">Pinnacle @ Duxton<\/a> stands as a prime example of this trend. <a href=\"https:\/\/www.99.co\/singapore\/insider\/the-pinnacle-duxton-ath-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">In May 2024, a 5-room flat there made headlines by selling for a record-breaking S$1.515 million<\/a>, and just last week, another unit reached the same price. <\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">This brings up a key question: with that kind of budget, why aren&#8217;t these buyers choosing private condos? What\u2019s driving more people to spend millions on HDB flats instead?<\/span><\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\">\r\n<h3>Table of contents<\/h3>\r\n<ul>\r\n<li style=\"list-style-type: none;\">\r\n<ul>\r\n<li><a href=\"#h-million-dollar-hdb-flats-continue-to-set-records\" data-level=\"2\">Million-dollar HDB flats continue to set records<\/a>\r\n<ul>\r\n<li><a href=\"#h-bigger-sizes-for-lower-prices\" data-level=\"3\">Bigger sizes for lower prices<\/a><\/li>\r\n<li><a href=\"#h-high-resale-value-and-long-term-potential\" data-level=\"3\">High resale value and long-term potential<\/a><\/li>\r\n<li><a href=\"#h-hdb-towns-offer-convenience-and-amenities\" data-level=\"3\">HDB towns offer convenience and amenities<\/a><\/li>\r\n<li><a href=\"#h-lower-maintenance-fees\" data-level=\"3\">Lower maintenance fees<\/a><\/li>\r\n<li><a href=\"#h-stability-in-loan-interest-rates\" data-level=\"3\">Stability in loan interest rates<\/a><\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<\/div>\r\n\r\n\r\n\r\n<h2 id=\"h-million-dollar-hdb-flats-continue-to-set-records\" class=\"wp-block-heading\"><b>Million-dollar HDB flats continue to set records<\/b><\/h2>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">The sale of million-dollar HDB flats is no longer a rare occurrence. In fact, the number of such flats has been growing steadily. <a href=\"https:\/\/realestateasia.com\/residential\/news\/million-dollar-flat-sales-in-singapore-hit-record-highs-in-q3\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">In Q3 2024 alone, 331 HDB resale flats were sold for over a million dollars, setting a new quarterly record.<\/a> By September 2024, a total of 750 million-dollar flats had been sold, surpassing the 469 units transacted in the entire year of 2023.<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/10\/monthly-volume-of-million-dollar-HDB-sales-sept-2024.png\" class=\"img-link media-img img-link media-img\"><img decoding=\"async\" width=\"1051\" height=\"564\" class=\"wp-image-78992\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/10\/monthly-volume-of-million-dollar-HDB-sales-sept-2024.png\" alt=\"monthly volume of million-dollar hdb sales upt o september 2024\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/10\/monthly-volume-of-million-dollar-HDB-sales-sept-2024.png 1051w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/10\/monthly-volume-of-million-dollar-HDB-sales-sept-2024-150x80.png 150w\" sizes=\"(max-width: 1051px) 100vw, 1051px\" \/><\/a><\/figure>\r\n\r\n\r\n\r\n<p>&nbsp;<\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/million-dollar-flat-transaction-ath-july-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">July 2024 even saw 120 of these high-priced flats sold in a single month, the highest monthly record yet<\/a>.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">These million-dollar resale flats come in various types: from 4-room to executive flats. <a href=\"https:\/\/www.99.co\/singapore\/neighbourhoods\/kallang\" target=\"_blank\" rel=\"noreferrer noopener\">Kallang\/Whampoa<\/a> led the way with 55 transactions in Q3 2024, followed by <a href=\"https:\/\/www.99.co\/singapore\/neighbourhoods\/bukit-merah\" target=\"_blank\" rel=\"noreferrer noopener\">Bukit Merah<\/a> and <a href=\"https:\/\/www.99.co\/singapore\/neighbourhoods\/queenstown\" target=\"_blank\" rel=\"noreferrer noopener\">Queenstown<\/a>, with 45 and 37 transactions, respectively. The most expensive HDB resale flat currently on record is a 1,195 sqft 5-room unit at <a href=\"https:\/\/www.99.co\/singapore\/hdb\/skyoasis-dawson-de6erUZkqiVRNqtuacCvGKaK\" target=\"_blank\" rel=\"noreferrer noopener\">SkyOasis@Dawson<\/a>, which<a href=\"https:\/\/www.99.co\/singapore\/insider\/skyoasis-dawson-1-7m-ath\/?fbclid=IwY2xjawFyDdFleHRuA2FlbQIxMQABHaU-rtxcwY8fxry6bgm97NuksDAhJzDD26DVf4b-St1-UkU2MiQCXOTHpw_aem_SvGKl6Gfgz9-1GdznuANVQ\" target=\"_blank\" rel=\"noreferrer noopener\"> sold for S$1.725 million.<\/a><\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">But despite these rising prices, not everyone is deterred. Some buyers might even be unaffected by the recent cooling measures implemented by the government, such as the reduction of the <a href=\"https:\/\/www.99.co\/singapore\/glossary\/loan-to-value-ltv-ratio\/\" target=\"_blank\" rel=\"noreferrer noopener\">Loan-to-Value (LTV)<\/a> limit for HDB loans <a href=\"https:\/\/www.99.co\/singapore\/insider\/ltv-limit-loan-to-value-property-singapore\/\" target=\"_blank\" rel=\"noreferrer noopener\">from 80% to 75%.<\/a> High-income buyers or those with proceeds from selling private homes are still actively investing in the HDB resale market.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">So, what\u2019s keeping them away from the private property market?<\/span><\/p>\r\n<p style=\"border: 2px solid black; padding: 10px;\"><em><strong>Do you have a million-dollar HDB in your sights? Check your affordability instantly with <a href=\"https:\/\/www.99.co\/singapore\/tools\/affordability-calculator\" target=\"_blank\" rel=\"noopener\">99.co&#8217;s affordability calculator<\/a>!<\/strong><\/em><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-bigger-sizes-for-lower-prices\" class=\"wp-block-heading\"><b>Bigger sizes for lower prices<\/b><\/h3>\r\n<figure id=\"attachment_78699\" aria-describedby=\"caption-attachment-78699\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/09\/1-1-million-exe-apartment-in-tampines-living-room.jpg\" class=\"img-link media-img img-link media-img\"><img decoding=\"async\" class=\"wp-image-78699 size-full\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/09\/1-1-million-exe-apartment-in-tampines-living-room.jpg\" alt=\"1.1 million EXE apartment in Tampines in Tampines Arcadia - living room\" width=\"1200\" height=\"900\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/09\/1-1-million-exe-apartment-in-tampines-living-room.jpg 1200w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/09\/1-1-million-exe-apartment-in-tampines-living-room-150x113.jpg 150w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><figcaption id=\"caption-attachment-78699\" class=\"wp-caption-text\">The living room of a S$1.1M EXE apartment in Tampines Arcadia. Image credit: Shah Marican<\/figcaption><\/figure>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">One of the main reasons buyers are drawn to HDB resale flats is the larger space at a lower cost. While paying over a million dollars for an HDB flat might seem steep, it&#8217;s important to remember that private condos often come with much smaller living areas at even higher prices.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Here&#8217;s a look at average condo prices in the <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-core-central-region-ccr\/\" target=\"_blank\" rel=\"noreferrer noopener\">Core Central Region (CCR)<\/a>, <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-rest-of-central-region-rcr\/\" target=\"_blank\" rel=\"noreferrer noopener\">Rest of Central Region (RCR)<\/a>, and Outside Central Region (OCR) for the past six months:<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-table\">\r\n<table class=\"has-fixed-layout\">\r\n<tbody>\r\n<tr>\r\n<td><b>Bedroom type<\/b><\/td>\r\n<td><b>Location<\/b><\/td>\r\n<td><b>Median size<\/b><\/td>\r\n<td><b>Average price<\/b><\/td>\r\n<td><b>Average psf<\/b><\/td>\r\n<\/tr>\r\n<tr>\r\n<td rowspan=\"3\"><span style=\"font-weight: 400;\">1 Bedroom<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">CCR<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">581 sqft<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$1,294,990<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$2,205<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">RCR<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">463 sqft<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$981,614<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$1,733<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">OCR<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">506 sqft<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$1,040,138<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$1,996<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td rowspan=\"3\"><span style=\"font-weight: 400;\">2 Bedroom<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">CCR<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">958 sqft<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$2,178,013<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$2,381<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">RCR<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">807 sqft<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$1,303,230<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$1,657<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">OCR<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">797 sqft<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$1,738,468<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$2,208<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">As you can see, a 1-bedroom condo in the CCR costs around S$1.3 million for a much smaller space compared to larger HDB flats. In fact, a private condo of similar size and age to the 5-room flat sold in SkyOasis@Dawson would have cost about S$3 million. This price disparity is why many buyers opt for spacious resale HDB flats, which offer better value for money.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.straitstimes.com\/singapore\/housing\/hdb-resale-prices-up-25-in-q3-with-more-flats-sold\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">With private property prices remaining high, resale flats have become a popular option for homeowners looking to upgrade to a larger living space without breaking the bank<\/a>.<\/span><\/p>\r\n\r\n\r\n    <section id=\"portal-widget-tab-panel-69f73f2e72be9\" class=\"portal-widget-tab-panel\">\n        <div class=\"swiper-container\" id=\"swiper-container-69f73f2e72be9\">\n                        <div class=\"row-title-widget\">\n                <div class=\"portal-widget-carousel-title-left\"><h4 class=\"portal-widget-title\">SkyOasis@Dawson properties for you as low as S$570k<\/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\/hdb\/skyoasis-dawson-de6erUZkqiVRNqtuacCvGKaK?bathrooms=any&amp;composite_floor_level=any&amp;composite_furnishing=any&amp;composite_views=any&amp;features_and_amenities=any&amp;has_floor_plan=false&amp;main_category=hdb&amp;name=SkyOasis%20%40%20Dawson&amp;page_num=1&amp;page_size=36&amp;path=%2Fsingapore%2Fsale%2Fhdb%2Fskyoasis-dawson-de6erUZkqiVRNqtuacCvGKaK&amp;period_of_availability=any&amp;property_segments=residential&amp;query_coords=1.296815492473325%2C103.80661234089082&amp;query_ids=de6erUZkqiVRNqtuacCvGKaK&amp;query_name=SkyOasis%20%40%20Dawson&amp;query_text=SkyOasis%20%40%20Dawson&amp;query_type=cluster&amp;radius_max=1000&amp;rooms=any&amp;show_cluster_preview=true&amp;show_description=true&amp;show_internal_linking=true&amp;show_meta_description=true&amp;show_nearby=true&amp;sort_field=price&amp;sort_order=asc&amp;zoom=15&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\/whJqTvM93pnKtTYgZHNS6K?text=Daniel+Kiong&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=c68e8986672b68858350b19534dae0955d4cb9e9\" alt=\"40A Margaret Drive Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">40A Margaret Drive<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 141040 \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>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>678 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 749,999<\/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\/40a-margaret-drive-hdb-bPDDWXv9tYnhTYUC32SXGp?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\/5TjZ6F2joRSrTSaWVTB8WK?text=chanel+ariel&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=a0a6824d6a881fc406a709e8e7db8f4845d86206\" alt=\"41A Margaret Drive Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">41A Margaret Drive<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 143041 \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>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>678 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 778,000<\/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\/41a-margaret-drive-hdb-M5GqPtCkMndjggU4CdiRZk?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\/iiQJnG8G2fY4GtjyU5c3KV?text=Jason+Thoh+%E6%9D%9C%E5%AE%B6%E5%B9%B3&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=a993551f19f54cc5aa9b8d28dc331f0ce824f6a5\" alt=\"42A Margaret Drive Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">42A Margaret Drive<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 143042 \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>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>678 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 808,000<\/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\/42a-margaret-drive-hdb-hVv3tjnQQUBypGHxa7VSNt?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\/JMQ7aCYAsuuNmXtR69hDRg?text=Daniel+chan&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=b05ffb64655ff464bf939d86b5a5f4a716cfc4a1\" alt=\"43A Margaret Drive Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">43A Margaret Drive<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 143043 \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>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>678 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 818,888<\/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\/43a-margaret-drive-hdb-MAJsp2dszccA75wzDhw7kQ?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\/oSYX57PBFAiUQWEr8bf38Z?text=Wilson+Ching&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=09f1c232c523cce7a22e1bc26c15b94b5650cee9\" alt=\"40B Margaret Drive Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">40B Margaret Drive<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 142040 \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>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>677 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 820,000<\/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\/40b-margaret-drive-hdb-YGAuXyKS3qQ3ugKCLKTQq6?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\/pm6EpfjdNA2aJdYQzvbCJU?text=Lee+Hui+Hui&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=b6f1a1dfefa01b479ac6c6ed936ab442190b8d74\" alt=\"42A Margaret Drive Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">42A Margaret Drive<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 143042 \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>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>678 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 820,000<\/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\/42a-margaret-drive-hdb-hPETf8oMPkbCi3VyvL5YjC?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\/iFf8nSPXaVD2HL7xnnyFqY?text=Eric+Choy+82228903&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=42f43a480bf79ca823d2a606c020097310282490\" alt=\"42A Margaret Drive Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">42A Margaret Drive<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 143042 \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>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>678 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 850,000<\/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\/42a-margaret-drive-hdb-DtUSH3srczFkszYtcV9Mh4?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\/bPoaCCQKWXqHUu7dc5Hf8P?text=Adrian+Yang+W+C&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=d558641fdbb1888dfe5c17b1cd56a096fff4a144\" alt=\"40A Margaret Drive Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">40A Margaret Drive<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 141040 \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>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>678 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 880,000<\/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\/40a-margaret-drive-hdb-BH6q8RJZ7PcPeQB3K58PH4?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\/AGTeEmew3bTpEkFjimkEUe?text=JOHN+ALEXIS&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=2a7fe48ad86fe09cfc7673d73ddb40b7ff64de28\" alt=\"41A Margaret Drive Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">41A Margaret Drive<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 143041 \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>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>678 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 880,000<\/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\/41a-margaret-drive-hdb-9c4mwJ6WzdWWqFgcLymiYj?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\/5hzFuJ78L3mMKy7ZoYs3wj?text=Alan+Wee&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=6f761fbbe9f7dd16ced6d265dc9de3606b8c4284\" alt=\"41A Margaret Drive Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">41A Margaret Drive<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 143041 \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>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>678 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 918,888<\/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\/41a-margaret-drive-hdb-LqiLssSoUoGLRZrQkQX9EH?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\r\n\r\n\r\n<h3 id=\"h-high-resale-value-and-long-term-potential\" class=\"wp-block-heading\"><b>High resale value<\/b><\/h3>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Originally introduced to help Singaporeans own their homes, the HDB market has since evolved into a profitable investment avenue. Many homeowners buy flats at a lower cost and sell them for a significant profit after fulfilling the <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-minimum-occupation-period-mop\/\" target=\"_blank\" rel=\"noreferrer noopener\">Minimum Occupation Period (MOP)<\/a> of five years.<\/span><\/p>\r\n\r\n\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">The resale value of Pinnacle@Duxton units demonstrates just how lucrative HDB resale flats can be. A 5-room flat that initially sold for between S$345,100 and S$439,400 could now fetch around S$1.515 million, netting the first owner a profit of up to S$1.17 million \u2013 representing a capital gain of between 71% and 77%. And Pinnacle@Duxton is not the only &#8216;success&#8217; story. <a href=\"https:\/\/www.99.co\/singapore\/insider\/bto-projects-mop-2024-2025-near-the-mrt\/\" target=\"_blank\" rel=\"noreferrer noopener\">Newly MOP-ed projects<\/a> in mature estates like <a href=\"https:\/\/www.99.co\/singapore\/hdb\/kallang-trivista-deFv6zgLAUXAYj4hjSfSJ37j\" target=\"_blank\" rel=\"noreferrer noopener\">Kallang Trivista<\/a>, <a href=\"https:\/\/www.99.co\/singapore\/hdb\/toa-payoh-crest-de6wuj7trUebiRgud9Xxk9qa\" target=\"_blank\" rel=\"noreferrer noopener\">Toa Payoh Crest<\/a>, and <a href=\"https:\/\/www.99.co\/singapore\/hdb\/alkaff-vista-dejpJHZ6m6NA4MRQpbSabX74\" target=\"_blank\" rel=\"noreferrer noopener\">Alkaff Vista<\/a> in <a href=\"https:\/\/www.99.co\/singapore\/sale\/neighbourhoods\/bidadari\" target=\"_blank\" rel=\"noreferrer noopener\">Bidadari<\/a> have seen similar price jumps. <a href=\"https:\/\/www.99.co\/singapore\/insider\/s1-33m-all-time-high-for-kallang-whampoa\/\" target=\"_blank\" rel=\"noreferrer noopener\">Recent sales of 5-room flats in these developments have reached as high as S$1.33 million<\/a>, providing <a href=\"https:\/\/www.99.co\/singapore\/insider\/recently-mop-projects-in-bidadari-ang-mo-kio-sold-for-million-dollars\/\" target=\"_blank\" rel=\"noreferrer noopener\">capital gains of around S$600,000<\/a>.<\/span><\/p>\r\n\r\n\r\n\r\n<p style=\"border: 2px solid black; padding: 10px;\"><em><strong>Is your home approaching its MOP, but you\u2019re uncertain about your next property move? <a href=\"https:\/\/www.99.co\/singapore\/seller-concierge\/?utm_source=insider+articles\" target=\"_blank\" rel=\"noreferrer noopener\">Book a FREE consultation with our 99 advisors today!<\/a><\/strong><\/em><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/99c-lor-2-toa-payoh-ath-august-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">Even older flats, such as a 32-year-old executive flat in Toa Payoh, have sold for over S$1.2 million<\/a>. While lower price per square foot and potential<a href=\"https:\/\/www.99.co\/singapore\/insider\/property-jargon-of-the-day-selective-enbloc-redevelopment-scheme-sers\/\" target=\"_blank\" rel=\"noreferrer noopener\"> Selective En bloc Redevelopment Scheme (SERS)<\/a> benefits may motivate some of these buyers, it&#8217;s crucial to remember that SERS is not guaranteed. Relying solely on SERS for investment returns can be risky.<\/span><\/p>\r\n<p style=\"border: 2px solid black; padding: 10px;\"><em><strong>Looking for more HDB flats that MOP-ed recently? Check out our article here: <a href=\"https:\/\/www.99.co\/singapore\/insider\/bto-projects-mop-2024-2025-near-the-mrt\/\" target=\"_blank\" rel=\"noreferrer noopener\">Full list of BTO projects hitting MOP in 2024\/2025 &amp; Our top picks near the MRT<\/a><\/strong><\/em><\/p>\r\n\r\n\r\n\r\n\r\n    <section id=\"portal-widget-tab-panel-69f73f2e7353b\" class=\"portal-widget-tab-panel\">\n        <div class=\"swiper-container\" id=\"swiper-container-69f73f2e7353b\">\n                        <div class=\"row-title-widget\">\n                <div class=\"portal-widget-carousel-title-left\"><h4 class=\"portal-widget-title\">Need a 5-room flat for under S$1 million? Explore these options starting from S$666k<\/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\/hdb?bathrooms=any&amp;composite_floor_level=any&amp;composite_furnishing=any&amp;composite_views=any&amp;features_and_amenities=any&amp;has_floor_plan=false&amp;main_category=hdb&amp;page_num=1&amp;page_size=36&amp;path=%2Fsingapore%2Fsale%2Fhdb&amp;period_of_availability=any&amp;property_segments=residential&amp;query_coords=1.3039947%2C103.8298507&amp;query_limit=radius&amp;query_type=city&amp;rooms=5&amp;show_cluster_preview=true&amp;show_description=true&amp;show_internal_linking=true&amp;show_meta_description=true&amp;show_nearby=true&amp;sort_field=price&amp;sort_order=asc&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\/MajJjEMtyWt4ZX7ZBSQbbY?text=Eddie+Tan&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=199b2e1cfc434b58ad02b0096d6b289087f47e4e\" alt=\"218 Jurong East Street 21 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">218 Jurong East Street 21<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 600218 \u00b7 D22<\/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>5<\/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>979 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 588,000<\/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\/218-jurong-east-street-21-hdb-29gp7iFQ4HGSTc2hzYPjcZ?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\/u6DynGPDqKDLNNWvsHybsW?text=Benny+Tan&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=7d7b7261de425bba7268b27cc32920c0969a7f3b\" alt=\"503 Choa Chu Kang Street 51 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">503 Choa Chu Kang Street 51<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 680503 \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>5<\/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>1,367 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 650,000<\/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\/503-choa-chu-kang-street-51-hdb-S95kdKcACTymVfjNpwW9Yp?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\/wirMz7gvAFCQhiXMGovhM7?text=Calvin&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=1143a8d22290a0e4b9858f5c91182987c7d8e09d\" alt=\"353 Kang Ching Road Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">353 Kang Ching Road<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 610353 \u00b7 D22<\/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>5<\/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>1,291 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\/353-kang-ching-road-hdb-4UcmbCeVi9zRnKmJ2oiWTK?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\/BNn9ChCTnnuoeFDBATTFGD?text=SQ+Raudha&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=15ad3e7fe4f0c05e4a6ac806705d245d4d4b9494\" alt=\"419 Hougang Avenue 8 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">419 Hougang Avenue 8<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 530419 \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>5<\/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>1,324 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 710,000<\/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\/419-hougang-avenue-8-hdb-AXDXMSwcXnGaS32T7M2L6E?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\/gzbr7u59sVBeNMKqxrAq6B?text=John+Lee&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=4167b0ea12b653a3e05ca6669685b1d8f8c0b6e2\" alt=\"469B Admiralty Drive Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">469B Admiralty Drive<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 752469 \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>5<\/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>1,475 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 718,688<\/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\/469b-admiralty-drive-hdb-muyvjYDi99tmeG443SSEiX?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\/j7MaeAoz9BnnnXLHTdNh3H?text=Abby+POH&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=365a14f93982e6c318bdfc0dc703552b6afe090e\" alt=\"220 Choa Chu Kang Central Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">220 Choa Chu Kang Central<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 680220 \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>5<\/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>1,313 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 718,888<\/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\/220-choa-chu-kang-central-hdb-PvMujtvShHJYLuacJDsd6Q?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\/aLFJv5fbGXaJaCD2bKaoa4?text=Bernard+Liew&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=2337c28104a8c3335303145f00df011ef439a01e\" alt=\"29 Jalan Bahagia Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">29 Jalan Bahagia<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 320029 \u00b7 D12<\/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>5<\/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>1,312 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 735,000<\/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\/29-jalan-bahagia-hdb-Bnj8iw2W7W674gtrvMxqUB?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\/nzinRPoov598S3VGngiXAH?text=Low+Yik+Beng+Anthony+%28Anthony+Low%29&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=3ff90dbe33ccf2befacaafd04b018dbabba5114b\" alt=\"325 Tah Ching Road Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">325 Tah Ching Road<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 610325 \u00b7 D22<\/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>5<\/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>1,335 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 738,000<\/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\/325-tah-ching-road-hdb-RBLfVGzMjxaaB73ge4in99?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\/92hHcifhd2Bpakj4MCB9EU?text=Christopher+Yeo&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=eb554cfae23d861d278cd50dc1057351e1262900\" alt=\"541 Woodlands Drive 16 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">541 Woodlands Drive 16<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 730541 \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>5<\/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>1,238 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 750,000<\/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\/541-woodlands-drive-16-hdb-kKbDzVJqhsxdFQFdU9CiQS?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\/8CXtBqE7oStUmYfwYQZYKn?text=Nazri+Baobed&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=9789b258c14317f158e7133642db811e1734759a\" alt=\"354 Bukit Batok Street 31 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">354 Bukit Batok Street 31<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 650354 \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>5<\/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>1,506 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 800,000<\/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\/354-bukit-batok-street-31-hdb-3vDfQHp92z2DoUUJzEUch9?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\r\n\r\n\r\n<h3 id=\"h-hdb-towns-offer-convenience-and-amenities\" class=\"wp-block-heading\"><b>HDB towns offer convenience and amenities<\/b><\/h3>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Convenience is another key factor that draws buyers to HDB flats. Many <a href=\"https:\/\/www.99.co\/singapore\/hdb\" target=\"_blank\" rel=\"noreferrer noopener\">HDB towns<\/a> are well-planned with comprehensive amenities that cater to both young families and seniors. With easy access to <a href=\"https:\/\/www.99.co\/singapore\/mrt-stations\" target=\"_blank\" rel=\"noreferrer noopener\">MRT stations<\/a>, hawker centres, malls, and grocery stores, living in an HDB flat can provide a level of convenience that some private condos might not match.<\/span><\/p>\r\n<p><a href=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/06\/pinnacle@duxton-ath-may-2024.jpg\" class=\"img-link media-img img-link media-img\"><img decoding=\"async\" class=\"alignnone size-full wp-image-75423\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/06\/pinnacle@duxton-ath-may-2024.jpg\" alt=\"the exterior view of pinnacle@duxton - the pinnacle @ duxton ath may 2024\" width=\"1200\" height=\"900\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/06\/pinnacle@duxton-ath-may-2024.jpg 1200w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/06\/pinnacle@duxton-ath-may-2024-150x113.jpg 150w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.99.co\/singapore\/hdb\/the-pinnacle-duxton-de84zoRNJ9gpzbow3a7N2CS3\">The Pinnacle@Duxton<\/a>, for instance, boasts a high-end food court that offers quality dining options. This is a unique feature for an HDB project and something that isn\u2019t commonly seen even in private condos. Amenities like these add to the appeal of HDB resale flats and contribute to their high price points.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Additionally, most million-dollar HDB flats are located in mature estates that have well-established infrastructure and transport links. These estates offer shorter commutes to the city centre and are often close to reputable schools and parks, making them highly desirable for families and working professionals alike.<\/span><\/p>\r\n<p style=\"border: 2px solid black; padding: 10px;\"><strong><em>Looking for a property close to an MRT station of your choice? Check out<\/em> <a href=\"https:\/\/www.99.co\/singapore\/mrt-stations\" target=\"_blank\" rel=\"noreferrer noopener\">99.co&#8217;s MRT map here<\/a>.<\/strong><\/p>\r\n\r\n\r\n\r\n\r\n\r\n<p><iframe loading=\"lazy\" style=\"border: none; width: 350px !important; box-shadow: 0px 2px 12px rgb(11 17 52 \/ 15%); border-radius: 16px;\" src=\"https:\/\/www.99.co\/property-value-widget?contentSource=insider-blog&amp;contentId=million-dollar-hdb-resale-flats-vs-condos\" width=\"350\" height=\"370\" scrolling=\"no\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><\/span><\/iframe><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-lower-maintenance-fees\" class=\"wp-block-heading\"><b>Lower maintenance fees<\/b><\/h3>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">One of the less obvious but significant reasons for choosing HDB flats over condos is the lower maintenance cost. While condo owners are required to pay monthly fees to their <a href=\"https:\/\/www.99.co\/singapore\/insider\/mcst-management-corporation-strata-title\/\" target=\"_blank\" rel=\"noopener\">Management Corporation Strata Title\u00a0(MCST)<\/a> for amenities such as pools, gyms, and other shared facilities, HDB flat owners face much lower costs.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">HDB homeowners are only responsible for <a href=\"https:\/\/www.99.co\/singapore\/glossary\/the-service-and-conservancy-charges-scc\/\" target=\"_blank\" rel=\"noreferrer noopener\">Service and Conservancy Charges (S&amp;CC)<\/a>, which are relatively affordable. Furthermore, they may qualify for rebates from the government, such as U-Save rebates to offset utility bills. <a href=\"https:\/\/www.99.co\/singapore\/insider\/october-2024-u-save-scc-rebates-hdb-households\/\" target=\"_blank\" rel=\"noreferrer noopener\">Under the Assurance Package (AP) in 2024, households can receive up to S$950 in U-Save rebates.<\/a> Even 5-room flat owners receive rebates, making HDB living much more cost-effective in the long run.<\/span><\/p>\r\n\r\n\r\n\r\n<p><b>HDB maintenance fees: S&amp;CC Rebates 2024 and 2025<\/b><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-table\">\r\n<table class=\"has-fixed-layout\">\r\n<tbody>\r\n<tr>\r\n<td colspan=\"2\"><b>HDB flat type and disbursement month<\/b><\/td>\r\n<td><b>1-and 2-room<\/b><\/td>\r\n<td><b>3-room<\/b><\/td>\r\n<td><b>4-room<\/b><\/td>\r\n<td><b>5-room<\/b><\/td>\r\n<td><b>Executive\/ multi generation<\/b><\/td>\r\n<\/tr>\r\n<tr>\r\n<td rowspan=\"2\"><b>April 2024<\/b><\/td>\r\n<td><span style=\"font-weight: 400;\">GSTV \u2013 U-Save<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$95<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$85<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$75<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$65<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$55<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">B2024 COL U-Save<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$95<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$85<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$75<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$65<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$55<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td rowspan=\"3\"><b>July 2024<\/b><\/td>\r\n<td><span style=\"font-weight: 400;\">GSTV \u2013 U-Save<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$95<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$85<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$75<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$65<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$55<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">AP \u2013 U-Save<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$95<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$85<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$75<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$65<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$55<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">B2024 COL U-Save<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$95<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$85<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$75<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$65<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$55<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td rowspan=\"2\"><b>October 2024<\/b><\/td>\r\n<td><span style=\"font-weight: 400;\">GSTV \u2013 U-Save<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$95<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$85<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$75<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$65<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$55<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">B2024 COL U-Save<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$95<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$85<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$75<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$65<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$55<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td rowspan=\"2\"><b>January 2025<\/b><\/td>\r\n<td><span style=\"font-weight: 400;\">GSTV \u2013 U-Save<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$95<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$85<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$75<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$65<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$55<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">AP \u2013 U-Save<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$95<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$85<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$75<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$65<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">S$55<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<figcaption class=\"wp-element-caption\"><span style=\"font-weight: 400;\"><em>Source: MOF<\/em><\/span><\/figcaption>\r\n<\/figure>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">By comparison, condo owners must pay for the upkeep of private facilities that they may not use regularly, such as swimming pools or tennis courts, which can make the maintenance fees seem wasteful. The added costs of condo living can be a deterrent for some buyers, especially those who prefer to keep their living expenses manageable.<\/span><\/p>\r\n<p style=\"border: 2px solid black; padding: 10px;\"><em><strong>Discover the latest condo offerings and make an informed choice between a million-dollar HDB resale or a condo: <a href=\"https:\/\/www.99.co\/singapore\/insider\/new-launch-condos-h2-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">Upcoming new launches: New Launch condos in H2 2024<\/a><\/strong><\/em><\/p>\r\n\r\n\r\n\r\n\r\n\r\n<h3 id=\"h-stability-in-loan-interest-rates\" class=\"wp-block-heading\"><b>Stability in loan interest rates<\/b><\/h3>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\">Finally, another point that sways buyers towards HDB flats is the stability of HDB loan interest rates. While private property buyers must rely on fluctuating bank loan rates, HDB loans have remained stable at 2.6% since July 1999. With rising bank loan interest rates, this stability offers peace of mind to buyers, especially those who prefer predictability in their finances.<\/span><\/p>\r\n\r\n\r\n\r\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/resale-hdb-grants-how-much\/\" target=\"_blank\" rel=\"noreferrer noopener\">HDB buyers are also eligible for subsidies like CPF housing grants<\/a>, which can significantly lower the cost of purchasing a resale flat. Private property buyers, on the other hand, do not have access to these subsidies, making their purchases more expensive upfront. And while those buying million-dollar HDB flats may still need to cover <a href=\"https:\/\/www.99.co\/singapore\/insider\/cash-over-valuation-cov-hdb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cash Over Valuation (COV)<\/a>, the stable interest rates of HDB loans can make financing their purchase much more manageable.<\/span><\/p>\r\n\r\n\r\n\r\n<h2 id=\"h-that-said-would-you-rather-buy-a-private-condo-or-a-million-dollar-hdb-flat-nbsp-share-your-thoughts-in-the-comments-section-below-or-on-nbsp-our-facebook-page\" class=\"wp-block-heading\"><strong>That said, would you rather buy a private condo or a million-dollar HDB flat?\u00a0Share your thoughts in the comments section below or on\u00a0<a href=\"https:\/\/www.facebook.com\/99dotco\/\" target=\"_blank\" rel=\"noreferrer noopener\">our Facebook page<\/a>.<\/strong><\/h2>\r\n","protected":false},"excerpt":{"rendered":"<p>In recent years, Singapore&#8217;s property market has seen a growing trend of buyers choosing million-dollar HDB resale flats over private condos. This shift is particularly intriguing, given the significant sums involved and the range of choices available in the property landscape. Pinnacle @ Duxton stands as a prime example of this trend. In May 2024,&hellip;<\/p>\n","protected":false},"author":141,"featured_media":79005,"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":[53601,53593,53631,53643,57131],"tags":[57162,57487,59177,57436,54724],"persona":[57127,57128],"class_list":{"2":"type-post","19":"entry","20":"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>Why are more buyers willing to spend million-dollars on HDB flats instead of condos? - 99.co<\/title>\n<meta name=\"description\" content=\"Why aren&#039;t buyers choosing private condos? 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Read on here!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.99.co\/singapore\/insider\/million-dollar-hdb-resale-flats-vs-condos\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/99dotco\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-10T02:56:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-23T03:01:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/10\/million-dollar-hdb-resale-flats-vs-condos.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sophiyanah David\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\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=\"Sophiyanah David\" \/>\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\/million-dollar-hdb-resale-flats-vs-condos\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/million-dollar-hdb-resale-flats-vs-condos\/\"},\"author\":{\"name\":\"Sophiyanah David\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/702f2d8d347fdec35be0d2478a4e069b\"},\"headline\":\"Why are more buyers willing to spend million-dollars on HDB flats instead of condos?\",\"datePublished\":\"2024-10-10T02:56:09+00:00\",\"dateModified\":\"2024-10-23T03:01:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/million-dollar-hdb-resale-flats-vs-condos\/\"},\"wordCount\":1793,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/million-dollar-hdb-resale-flats-vs-condos\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/10\/million-dollar-hdb-resale-flats-vs-condos.jpg\",\"keywords\":[\"4-room hdb resale\",\"5-room HDB resale\",\"hdb or condo\",\"million dollar HDB flat\",\"pinnacle@duxton\"],\"articleSection\":[\"Condo\",\"Financial News\",\"HDB\",\"HDB Resale\",\"Property News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.99.co\/singapore\/insider\/million-dollar-hdb-resale-flats-vs-condos\/#respond\"]}],\"copyrightYear\":\"2024\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"accessibilityFeature\":[\"tableOfContents\"]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/million-dollar-hdb-resale-flats-vs-condos\/\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/million-dollar-hdb-resale-flats-vs-condos\/\",\"name\":\"Why are more buyers willing to spend million-dollars on HDB flats instead of condos? - 99.co\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/million-dollar-hdb-resale-flats-vs-condos\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/million-dollar-hdb-resale-flats-vs-condos\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2024\/10\/million-dollar-hdb-resale-flats-vs-condos.jpg\",\"datePublished\":\"2024-10-10T02:56:09+00:00\",\"dateModified\":\"2024-10-23T03:01:56+00:00\",\"description\":\"Why aren't buyers choosing private condos? 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