For 30y/o single, should I wait till 35 to get HDB resale 3rm or smaller? Is HDB always a depreciating asset? Buying a condo seems like too big of a financial commitment, unless for prop investment.

Depends on personal preference

Hello, it depends on your financial goals and intent of buying the house. only buy what you can afford as a condo can be significantly more costly and higher upfront cost. many people are buying hdb and.i dont think it is a depreciating asset especially if it is location at a prime location. if you are considering a resale flat, be sure to look into how you can choose the best one available before your purchase.

Buy based on cpf value of money

The residential purchase will depend on your intent. Anyway, manage it within means.