My girlfriend and I are in the late 20s, and we recently applied for the TPY BTO. Is it worth it to stick to the BTO (ready in 2026) and rent meanwhile? Or should we buy a resale flat?

I’ve done this simulation many times with many clients. The savings are not significant enough for the effort and time.

My suggestion is to buy resale if you have an urgency for a place to stay together.

Just make sure to look out for key factors before doing so. Like price, years left of HDB etc.

Depends on your

1. Age,

2. Earning prospect,

3. cash on hand,

4. CPF OA,

5. Timeline,

6. Rental income or

7. Capital appreciation