11 Jun '11, 7am

Harder for HDB upgraders to buy a private home now:

In the year 2006, my husband and I purchased a HDB flat. After a few years of hardwork and savings, we had plans to upgrade to private property. why? In my opinion, the HDB only has maximum 99 years that means that at best, our hdb flat will not last beyond 3 generations. So, we always had the dream to upgrade to a freehold property (for the good of our children, noting how property price is going up non-stop). As we had to fulfil 5 years of Minimum Occupation, we can only watch the private property price increase over the years and finally 5 years is over, then we realised that the private property price had not only greatly increased, the loan limit had also been reduced from 80% to 60%, that means more cash payment upfront. Its not that we are unwilling to let go of our current HDB, but new condominiums take time to build. We cannot sell our HDB now, then wait for 2-3 y...

Full article: http://www.temasekreview.com/2011/06/11/harder-for-hdb-up...

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