BTO ownership: Owner-Occupier vs Joint tenancy

Hi Everyone

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I am signing the lease for our BTO soon and currently undecided between Owner-Occupier vs Joint tenancy

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Right now the chance of us selling our flat upon MOP or sometime within the next 10 years is 50-50.

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The probability of us purchasing a 2nd property is also 50-50 but we would like to keep that option open through Owner Occupier to avoid ABSD should we decide to purchase a 2nd property

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Our flat will be ready in 2.5 to 3 years

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Owner Occupier

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Pros:

Occupier will be able to buy a property as a first time buyer (avoid absd)

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Cons:

Only able to use owner's CPF

• this option would wipe out the owner's CPF for our downpayment (owner's CPF is sufficient to cover 99% of the downpayment)

-Only able to pay monthly loan installments with owners CPF (owners CPF will fall back to 0 after paying the monthly installment)

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-there's a chance that the owner might not have sufficient CPF to pay the monthly installment = we will have to pay the $800 monthly installment in

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Joint tenancy

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Pros:

-higher loan amount (although currently we are able to cover the downpayment based on the loan (of one person/the owner's salary) and CPF

-the ability to pay monthly loan installment with both of our CPF

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Cons:

If we decide to purchase a 2nd property in the future, we will attract the ABSD

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Would love to hear your thoughts!