Are executive condominium worth it as compared to BTO-HDB for couples’ first house?

It actually depends. What do you think your expenses will be like in the future? Will you be able to furnish the loan when the kids are here and expenses goes higher?

Look up the web for home loan calculators and that will pretty much give you an idea on how much cash and CPF you’d need for the procurement and the monthly instalment to be paid.

I’m personally very big on this thing called Opportunity cost. For a young couple, is there really a need to jump right into a condominium as your first home? Other than to fulfil ego needs, I really don’t see why a young couple should spend the money on a condominium. Firstly, the difference in amount (BTO vs EC) can be spent on things like, investments. Which I believe the right investment would outperform the appreciation rate of an EC (Of course, it depends).

Get a BTO, invest the excess. Let both assets grow and
In a few years time flip it over and upgrade if it allows. You’re young, you can work your way up to a condo of landed if you want. There is absolutely no rush.