BTO versus wederverkoop Rekenmachine

BTO of wederverkoop: wat past bij u? Vergelijk wachttijd, prijs, subsidiemogelijkheden, locatiekeuze, renovatieomvang en potentiële waardering. Bekijk een overzicht van de kosten, inclusief subsidies en de tijdswaarde van geld.

Je kunt deze rekenmachine vinden op het tabblad Rekenmachines op ShiokNest. De resultaten worden onmiddellijk bijgewerkt terwijl u de invoer aanpast: u hoeft niet te wachten en de pagina hoeft niet opnieuw te worden geladen.

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.