EC转手能起多少？想问下要是新EC住5年后转手，一般屋价会起多少%? --- 该帖荣获当日十大第3，奖励楼主15分以及22华新币，时间：2016-02-24 22:00:01。

预算充足肯定直接上二套公寓啊有疑问肯定是预算不足嘛，所以很多人才上EC的，压力没有那么大

我有个疑问。假如我35岁， 现在住4 room HDB, 有10 年贷款未还。CPF除了还贷，每月有几百剩余，现金200K， 面临的选择： 1. 保留HDB， 买3 bedroom Condo，有两个孩子，还有父母要临时来住，所以自住的Condo不能太小。这样的Condo要1.2m左右， 首付（1.2m*23%）所用现金不够，还要借外债。剩下要还 960k Condo贷款， 借30 年（一直要工作到65岁）， 利率2%， 每月还$3548。一旦利率涨到4%， 每月还贷 $4583。HDB租金收入抛去空置期，每月$2000。两厢抵， 每月要花$2000cash， 直到10年以后。这种前提是银行会借给960k。 2. 卖HDB，买 EC. 4 bedroom， 总价960k。首付200k，卖出HDB价格减去剩余HDB贷款=300k，所以贷款需要960-200-300=460k， 贷款25年，假设利息3%， 月付$2181，CPF可以cover95%，几乎不需要cash。 大家会选哪一种？

你忘了最重要的人一条如果选择1影响了生活质量，要节衣缩食，还是算了。

怎么没人说先上EC后上Condo?我觉得比EC怎么没人说先上EC后上Condo?我觉得比EC

Are ECs a better long-term investment than condos?OrangeTee study suggests they are, and makes a case for executive condos as an investment home By　Lee Meixianleemx@sph.com.sg@LeeMeixianBT PRICES of executive condominiums (ECs) do catch up with private condos after the initial five-year minimum occupation period (MOP), and even more so when they are fully privatised 10 years after purchase. A study by OrangeTee has found that the average price gap between new condos and ECs starts at around 20 per cent, due to the sales restrictions that apply to ECs, as well as their lower land and construction costs. But upon fulfilling the MOP and at privatisation, the discount narrows to 9 per cent and 5 per cent respectively. At the end of the MOP, ECs can be sold in the open market to Singaporeans and permanent residents; upon privatisation, ECs can be sold to foreigners. This is not to say that buying an EC is a sure-profit investment, as history shows that much still depends on the initial purchase price. By match (more...)

此文是单纯比较两间一样大小的EC/Condo，如果要把其他因素考虑进来那卖掉HDB能负担更大间的EC，租金收入会高一些。买卖价也不一样。 如果保留HDB，也要看贷款是否还清、剩余贷款多少，那yearly mortgage payment也要相应调整。 如此一来moving parts太多，就要case by case比较了。