Which kind of property should I purchase if I am a fresh graduate? BTO, EC, Condo or resale flat?

Hey Anon, no, I don't think you're at a disadvantage if you don't bid for a BTO now because big purchase items should be purchased only when both you and your partner are ready. I know the pressure to BTO early on in life is to take into account the waiting time of a BTO (4-6 years wait now that COVID happened) and that you may not get a Q no. on the first try (I have heard of some people who have tried for 2 years+, bearing in mind that BTO launches are quarterly so that's about 7-8 times already). However, it's better to bid for it only when both of you have sat down and talked about money & collectively agree that it is the time now (sometimes you're ready but your partner isn't, vice versa, and you will never know until you both have sat down and talked about it). Yea, super unromantic but it is what it is when you want to plan a life together!

Best of luck! :))

First of all, no, you're not at a disadvantage. There are plenty of people who leave uni single or in fresh relationships that are not ready to settle down. In fact, I would say that the fact that you're in a stable relationship and starting to plan for the future would actually show that you're doing pretty good yourself!

Onto your question, I think it's really a matter of affordability and what you're willing to pay. Without knowing how much about your financial situation, it's hard to say what kind of houses you can afford. So things you can consider are:

1. How much do the both of you have saved up?

2. Have y'all secured a job?

3. What kind of salary are you expecting over the next 3-5 years? (even tho fresh grads, the pay range is huge)

4. What kind of house do you really want? (Just because you can afford something doesn't mean you need to get it)

5. What is your priority for the house? (Location? Size? Floor? Completion Date?)