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Anonymous

20 Jan 2025

∙

Hello seedly. We cannot qualify BTo due to salary ceiling, should we go for resale, EC or condo? Combined salary just crossed ceiling by few hundreds only.

First time home owners.

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FairLoan Mortgage SG

10 Aug 2025

Chief Analyst at Fairloan Mortgage Advisory

If exceed by a few hundreds, u may wanna appeal with the bonus component (Tell them its not alws a guarentee to have bonus)

But if u can afford for EC or Condo, it might be better for capital appreciation too

Else, u may just wanna explore resale HDB

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Danny Lee

10 Feb 2025

EC if you think you can afford the monthly loan.

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YOC

31 Jan 2025

Depends on your savings, and income. but if you dont want to take too much loan, then resale would be better.

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Ian

22 Jan 2025

EC might be a good choice.

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jw

22 Jan 2025

Try appeal bah...

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I am 35 yo and single. Salary nearly reached a capped 6k. Should I go for BTO (only can do 2rm HDB) or resale(3 rm to 5rm) or private condo?

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Earning 6k will price me out of singles BTO, then resale too expensive and condo even more expensive. Is there any "hack" to qualify for singles BTO?

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