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A few years ago, not many buyers would have been eager to buy a flat halfway through its lease. In fact, it was commonly pitched to HDB flat owners that they should quickly upgrade before depreciation took its toll. The attitude has shifted in the past few years, however, as resale flat prices surge past previous peaks because of demand from buyers due to the pandemic. Now, bigger living spaces and the ability to move in quickly take precedent. With buyers once again interested in older flats, here are some key factors to look for:

1. Consider the effects of lease decay

2. Check if you face financing restrictions, which could mean more cash down

3. If size is what you want, you’ll probably only see a difference in flats before 2000

4. For old HDB flats, be wary of the garbage chute for low floor units

5. Try to buy where the Home Improvement Programme (HIP) has already taken place

6. Before you buy a two-storey maisonette, think hard about the stairs

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Chapters
00:00 - Intro
00:56 - 1. Consider the effects of lease decay
3:27 - 2. Check if you face financing restrictions, which could mean more cash down
5:22 - 3. If size is what you want, you’ll probably only see a difference in flats before 2000
6:22 - 4. For old HDB flats, be wary of the garbage chute for low floor units
7:19 - 5. Try to buy where the Home Improvement Programme (HIP) has already taken place
8:16 - 6. Before you buy a two-storey maisonette, think hard about the stairs
9:35 - Outro

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Stacked is an online editorial aimed at helping Singapore home buyers, sellers, and renters make better decisions. By regularly conducting research and publishing our findings, we hope to give our readers a much better perspective on buying, selling, or renting Singapore real estate.

Editorially independent, our articles are published in-house and do not receive sponsorship. We hope to provide unbiased, reliable content that our readers can use.

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