Hi there, Generally, I would recommend couples to go for a BTO first, before upgrading to a private property in the future. There is less of a drag on your finances (i.e lower capital outlay, higher financing available, lower maintenance fees) when choosing a BTO over an EC. In addition, your combined monthly income (est $7000) is unlikely to allow for a high quantity of financing from banks, thus requiring a huge upfront downpayment for an EC. In your situation, I humbly recommend that you go for the BTO route. However, if you wish to do otherwise for whatever reasons, we will respect your decision as well.