Buying Guides · First-Time Buyers
Buying Guides for First-Time Buyers in Singapore
Buying your first property is daunting — BTO, resale HDB or a condo? Start here.
Quick Answer
The right first step depends on your savings, income and timeline. If you can wait, BTO is the most affordable. If you want a home sooner or better resale value, resale HDB or a condo may suit you better.
04
Districts worth a look
05
Frequently asked questions
BTO, resale HDB or condo — which is best for me?
It depends on timeline and budget. BTO is most affordable but slowest; resale HDB balances cost and timing; a condo suits larger budgets and future-proofing. See the first-timer guide.
How much do I need to buy my first property?
It depends on purchase price, LTV, ABSD and CPF. The how-much and salary guides break down the real cash + CPF figures.
Can I use CPF for my first home?
Yes — CPF OA funds can be used for your first property, subject to limits. The CPF guide explains the mechanics.
The takeaway
Buy on the numbers and your real timeline — don’t let any single factor (school, district or launch hype) decide for you. If you’d like a second opinion on your specific situation, book a call.