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I'm a 35-year-old single looking to buy my first HDB flat in Tampines. I'm deciding between a 3-room and a 4-room flat in the same area. My short-term plan is to live in the unit while renting out the spare room(s) for passive income. The price difference between a 3-room and a 4-room flat is around $150K to $200K. While a 3-room flat is more affordable, a 4-room flat would stretch my financial limits. Would it be worth the extra cost? Also, is the rental market stronger for a 3-room or a 4-room HDB?
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7 Answers

Hi,

Thanks for sharing! Have you considered how long you plan to stay in this unit? That could play a big role in your decision.

Since you’re planning to rent out the spare room, the rental demand for 3-room and 4-room units doesn’t vary significantly. The key factors will be the location and condition of the flat. These will have a bigger impact on how easily you can find tenants and the rental price you can command. Read More
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Hi, appreciate your sharing. Propose 4 room HDB for better capital gain, if you have the abilities to do so. Able to meet up and share.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More
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Hi

For resale demand the 4-room will have a bigger audience as both singles and couples and families can also buy from you. You also get to rent out two spare rooms which should be sufficient to cover your monthly repayment.

Other than this balance lease (condition of interior) and proximity to amenities are also important for rentability and future resale demand. I am familiar with Tampines, having helped a single to get his 3-room last year at 41X series, and will be happy to share some inputs.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

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Hi there,

Thank you for your enquiry. I'd like to provide some insights to help you make a more informed choice.

Short-term Plan:
- Since your goal is to rent out the rooms, it doesnt really matter which size you buy as ultimately tenants prioritise the location & condition (nearby amenities, near MRT or transport facilities etc).

Long-term Plan:
- 4 room flats yield higher capital appreciation as they are usually higher in demand and more suitable for families.

If your budget permits a 4 room HDB, it would make more sense and you can rent out both rooms while fulfilling your 5 year MOP.

For a more personalised plan to help you, i would like to understand your situation better and help you with some financial analysis. You may contact me at 91150953  for a non-obligatory chat and I'll be happy to help :)

Ava Read More
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Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More
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Safer option is definitely 3 room flat, but in general, if you are able to afford a bigger unit, it should give you better returns. The key here is to find out what the monthly commitments are, and look into the difference in terms of the monthly instalment, will the additional 1 bedroom rental cover the difference or even make more for a 4 room flat than a 3 room flat?

I have rented out common bedrooms for $1,000 and $1,200 for a 4S unit in Tampines that is newly renovated just last month. This could be a ball park figure you can work on in terms of the financial planning.

——

I have been in the real estate business since 2009, with more than 14 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 15,900 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

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GAN ENG JOO ONASSIS
Dear Sir/ Madam,

Shall be recommend not to overstretch your financial in view property investment.

I would be most glad to assist you further and pls feel free to let me know if you need any assistance.

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