Asked by Anonymous

What is your property strategy that you would recommend for fresh graduates?

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  • Teo See Hwa
    Teo See Hwa, MArketing Associate at Propnex
    Level 3. Wonderkid
    Answered on 09 Oct 2018

    Depend on who you talk to.

    If you talk to 80% they will tell you HDB, if you talk to 20% they will tell you private.

    HDB with huge profit are limited now.

    If you got time to waste go the HDB way otherwise Private.

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    • Question Poster
      cool thank you for your sharing and pointing in the right direction
      09 Oct 2018
  • Soh Sing Heng
    Soh Sing Heng
    Level 4. Prodigy
    Answered on 07 Sep 2018

    I would say the simplest is to go for BTO if you got a partner. BTO flats are heavily subsidised (around 100K lower than market value), but there will be waiting time involved. Now, these flats can be built within 2.5 years vs the 4 years before. If time is still a constraint, going for resale will be the next choice. I've written several articles on housing and property here:

    If you have higher income, you may consider EC or private condo. However, do make sure you calculate your affordability and also your loan eligibility. I've seen quite a few cases of people who purchase condos and then realise that they can't get the loan they require and end up have to forfeit some of the fees they paid. To understand the loan eligibility part, you can read my post on "How much money do you need to own a condominium in Singapore?":

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