BTO 대 재판매 계산자

BTO 또는 재판매 중 어느 것이 귀하에게 적합합니까? 대기 시간, 가격, 보조금 자격, 위치 선택, 개조 범위 및 잠재적 가치를 비교하십시오. 보조금 및 화폐의 시간 가치를 포함한 비용 내역을 나란히 확인하세요.

이 계산기는 ShiokNest의 계산기 탭에서 찾을 수 있습니다. 입력을 조정하면 결과가 즉시 업데이트됩니다. 기다리거나 페이지를 다시 로드할 필요가 없습니다.

BTO and resale HDB flats look superficially similar — both are 99-year leasehold HDB flats eligible for CPF and HDB loans. But they differ in price by 20–40%, in waiting time by 3–5 years, in grant eligibility by $10,000–$80,000, and in MOP start date by the waiting period itself. These differences compound in ways that are hard to see without a structured comparison.

The single most important number this calculator reveals is the true cost differential after grants. A BTO flat in Queenstown may seem $200,000 cheaper than a comparable resale flat in the same estate. But once you account for the 4-year wait (where you continue paying rent), renovation costs on a brand-new BTO (lower than resale), and grant amounts (which differ between BTO and resale), the effective gap is typically much smaller — sometimes under $80,000. In prime locations, resale can sometimes be the better financial decision once time value of money is included.

The most common mistake applicants make is comparing raw prices without factoring in the waiting period cost. If you are paying $2,000/month in rent during a 4-year BTO wait, that is $96,000 in rent paid before you move in — on top of the lower BTO price. For families with children or elderly parents requiring immediate housing, the "cheaper" BTO may actually cost more in total once the waiting period is monetised.

Use this calculator with the HDB Grant Calculator to confirm your grant amounts before running the comparison.