New SG Citizen (33M, Ex-Malaysian) - BTO(or Sales ofBalance) or Resale as first house

Hi everyone, I'm a 33-year-old Malaysian male, married with a 1-year-old child. My wife and I are both PRs, and I’ve just gotten my IPA approval for Singapore citizenship, which should be finalized in about 2 months.

We’re currently renting a room, but now starting to plan for our first property purchase in Singapore. I’m considering whether we should:

Wait and apply for a BTO, or
Go for a resale flat

Preferably in the East (Paya Lebar, Ubi, MacPherson, Bedok, etc.)

We’re not in a rush to move, since my mother-in-law is helping with childcare, so we can afford to be patient if needed. But at the same time, we’re thinking long-term — stability, grants, space for our kid (4 rooms), and location convenience.

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Chong C

1d ago

How you managed to expedite get citizenship? Please advice

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Tianshu Dai

2d ago

It seems that ultimately you’ll opt for a BTO, but as for whether you should first purchase a resale HDB or continue renting — my personal suggestion is to go for a resale HDB first.

Although you'll be eligible to apply for a BTO in two months, the entire process — from application and balloting to construction and key collection — will take at least three years, even in the best-case scenario. There are also many uncertainties along the way.

You could treat these three years as a form of saving, rather than purely spending on rent.

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