Condo or HDB

[sick_and_tired]

HDB MOP this year.. value 500k with 180k left in loan. For some complex family reasons I need a dual key as my next unit. Income wise, I am 31 with annual income of 150k.. wife earns about 40k.. got two kids to support, no car

shall I go for a JUMBO 1m to 1.2m, but at least 30 years old now?

or shall I go for a dual key EC? 1.7m…

edit EC not private condo

If u need to ask

U cant afford

 

[duckknight1000]

why not top up abit buy landed property freehold can pass down from one generation to the next.

u will thank me in future

Already eat caipng daily, go coffee shop bring my own water bottle… can’t squeeze anymore to top up

 

[Lss]

Thanks.. conversion is hard I think… but ya leaning to jumbo so less financial stress… just need to die inside and don’t think about reselling

I feel still have market so as long HDB don't start building large units again. Even 3gen is small. Some old 5 room as large as the 3gen they are building now.

 

[duckknight1000]

condo to me is very stupid leh but only condo got dual key right?

Feel so honoured to have the legendary ghost to be at my thread.. jumbo also can dual key.. actually some HDB EA also dual key

 

[Lss]

Already eat caipng daily, go coffee shop bring my own water bottle… can’t squeeze anymore to top up

Don't like that leh. I also bring bottle out one.

 

[Lss]

condo to me is very stupid leh but only condo got dual key right?

HDB got but they stopped building it when ppl started to get them to rent out the other side.

 

[OngHuatHuat]

You may not pass the TDSR if you buy condo. Better check first .

 

[s-ghost]

Feel so honoured to have the legendary ghost to be at my thread.. jumbo also can dual key.. actually some HDB EA also dual key

ah gui is everywhere, is a matter of you see me or not

then go for HDB ba, condo to me is a waste of money with no real benefits

 

[duckknight1000]

Your mother no way to buy HDB by herself?

If can, get next door HDB under her name. Then you tank payment. Maybe even full cash.

She cannot get… complex past family history…

 

[s-ghost]

HDB got but they stopped building it when ppl started to get them to rent out the other side.

icic, ah gui 12 years old just finish PSLE nia so didn't know

 

[antonpoh]

HDB MOP this year.. value 500k with 180k left in loan. For some complex family reasons I need a dual key as my next unit. Income wise, I am 31 with annual income of 150k.. wife earns about 40k.. got two kids to support, no car

shall I go for a JUMBO 1m to 1.2m, but at least 30 years old now?

or shall I go for a dual key EC? 1.7m…

edit EC not private condo

If EC 1.7mil can get a 4 bdrm unit. at North Gaia.

 

[duckknight1000]

You may not pass the TDSR if you buy condo. Better check first .

Don’t have to be immediate buy now.. can wait a bit more when salary goes up a bit… but the risk of almost single income in this is sibei sian

 

[Lss]

You may not pass the TDSR if you buy condo. Better check first .

How to not past? 190k combined income should be able to get 1.7mil loan le bah

 

[-nyox-]

Definitely a condo. There's an opportunity for capital appreciation as well.

Buying into a jumbo hdb is buying into a depreciating asset. Lease decay is very real.

 

[duckknight1000]

If u need to ask

U cant afford

Not true… I ask which meat is better when buying caipng.,

 

[duckknight1000]

Definitely a condo. There's an opportunity for capital appreciation as well.

Buying into a jumbo hdb is buying into a depreciating asset. Lease decay is very real.

Ya that is my only concern… like buying a coffin to die inside

 

[duckknight1000]

How to not past? 190k combined income should be able to get 1.7mil loan le bah

Maybe he is concerned of other loans I have.. good thing is the only loan is hdb loan…

 

[coyote]

Why EC

Can make more money. Almost bao jiak.

 

[Lss]

Maybe he is concerned of other loans I have.. good thing is the only loan is hdb loan…

I think they count unsecured stuff like CC bill too

 

[iamverysmart]

Why 2025? Development of woodlands health campus and train to JB?

Cos got condo launching woodlands south mrt there….

will be 1.9k psf……..