As a single earner, is buying 2 room hdb flat (bto/resale) a good bargain?

I think the 2 room BTO prices at Prime and Plus location is ridiculously high. They should just make it illegal to rent out the flat even after MOP. People that are not genuine home buyers are actually trying to use this opportunity to get these kind of flats that are closer to the CBD so they can rent the flat out to expats and use the rental income to pay for their condo monthly instalment. If they made it illegal to rent out the entire place, people would think twice than to capitalise on the cheap BTO pricing. 2 room is meant for low income home buyers and not for some selfish prick trying to capitalise on the low pricing.

Now BTO is 10 years for Plus and Prime. Add built year, it will be 14 yrs. During this timing, many things can happen (eg, married, have kids and you need to be stuck in 2 room flat). Can't rent out until finish MOP as well.

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On the other hand, the retirement sum is increasing every single year. 20 yrs from now, maybe will hit $330k for SA and $130k for MA. How to have enough if we don't take on BTO? The resale price also not cheap now. Almost increase 150k to 200k before n after Covid. Headache

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Average price of 2 room BTO around $140,000 (non-mature) to $280,00 (Mature). Last i check listing for 2 room resell around $250,000 after 5 years. Not sure how many transaction.

For a single like us, best to buy a minimum 3-room resale flat. best if you can afford 4 -room . so u can at least rent out 1 or 2 room