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Anonymous
What are your opinions on choosing between BTO for a 3-room flat with less competition and a 4-room flat with ample space?
Looking at the current BTO, in particular, my fiancee and I are trying to decide between a 3-rm BTO with a 2:1 ratio and a 4-rm which is at 10:1
Perks of the 3-rm:
- lower price
- less space to clean
- higher chance of getting a number
However, the cons would be that
- current price seems expensive when considering the other 3-room prices in the market
- less space to entertain family
We are about to hit the income limit so getting a number is a priority.
Wanted to gather more opinions
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Pang Zhe Liang
06 Dec 2019
Fee-Based Financial Advisory Manager at Financial Alliance Pte Ltd (IFA Firm)
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I would value being close to parents!
Also, less space to clean could mean more cost savings down the line :)
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I think depends if you want a kid. If you want a kid, a 4 room is better and don't have to go throug...
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Firstly, we need to have a complete understanding on our cashflow. Through this process, we will understand our earning ability and spending habit. Here is a guide to help you: https://www.blog.pzl.sg/understanding-your-pers...
From there, we will assess our income ability to sustain the mortgage for the long-term.
If you are in a rush and only wants a BTO, then go for 3 room as the odds are probably higher.
If you are not in a rush and only wants a BTO, then go for 4 room. This is done with the long-term in mind, e.g. the need to have a bigger space when starting a family.
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