Many buyers think getting a discount means they are making a safe decision. But that’s not always true. ⸻ 📌 What most people focus on • Lower PSF • Bigger discount • “Good deal” ⸻ ⚠️ What gets overlooked • Entry timing • Future demand • Exit potential ⸻ 📉 What actuall

Many people assume resale HDB always makes money. 📌 Reality check • $50K gain over 10 years • ~1% per annum • May not cover inflation or CPF costs ⚠️ Additional impact • Still need cash savings for next property • Upgrade plans may be affected 📌 BTO comparison • Market-supporte

📌 Scenario A • Bought at $450K • 5 years later → $360K • Difference: -$90K ⸻ 📌 Scenario B • Bought at $360K • 5 years later → $500K • Significant upside ⸻ ⚠️ What’s the difference? Same flat Same location Same intention Only timing changed. ⸻ 💡 What this means

Your first HDB decision can affect your upgrade later Most young couples choose their first HDB based on: • Space • Convenience • Location Which makes sense. But here’s what many don’t realise. ⸻ The real problem It doesn’t show now. It shows 5 to 10 years later. ⸻ W