Asked on 13 Jul 2019
This question is no longer accepting new answers because it is locked. What does this mean?
What makes you happy? A convenient place to stay knowing price will go up, or a place far off (but realistically only an hour anywhere) and with $250k in the bank / cpf ?
It's a case of choosing your own poison. Life is short on Earth, so while it is good to plan for financial freedom, don't forget to enjoy what's most desirable to you. I didn't use the word important because it is personal to everyone.
If I were you, I would go for prime as long as your finances can afford. Time is money, and as you age older, health (energy) and time will be what you desire more of than money. Sometimes less worry is a blessing in disguise.
To answer your question, I have no answer as there are many factors that you should look into other than financial. Like what Josh is saying.
But personally, going out of question (sorry) , I rather take all the subsidies that the government is giving , ie buy in a non matured estate. Then after 5 years, sell/rent it and go buy yourself a private condo in the matured estate, with all the cash saved from not buying the matured estate BTO.
The matured estate Condo can appreciate more then a matured estate BTO can as simply it is not HDB.