HDB vs private property: Which is right for you?
30 October 2025
2 min read
Thinking about your future home? The first big decision is between HDB and private property. Sounds like a big adulting move, right? Don’t stress — we’ll break it down simply.
What’s the difference?
HDB flats are government-built and subsidised, while private properties (like condos and landed homes) are developed by private companies. Each has its own rules, price tags, and vibes.
Key Comparisons:
| Factor | HDB Flat | Private Property |
|---|---|---|
| Eligibility | Must be Singaporean or PR (some restrictions regarding age, income and marital status) | Non-landed properties are open to all |
| Grants | Yes — housing grants available for eligible buyers | No grants at all |
| Amenities | Precinct and neighbourhood amenities | Could include pools, gyms, security |
| Resale restrictions | Must fulfil minimum occupation period of at least 5 years, and ten years for projects in Plus and Prime areas | Can sell anytime. However, Seller’s Stamp Duty (SSD) applies if you sell within the first four years of purchase. This rule applies to both private and public property. |
| Monthly maintenance fees |
Pay monthly service and conservancy charges to the Town Council — typically around $50 to $110, depending on flat type. This covers corridor cleaning, lift maintenance, and other shared services. | Pay MCST (Management Corporation Strata Title) fees for strata-titled condominiums, which can range from $300 to over $700/month. This varies based on condo facilities like pools, gyms, security, as well as estate upkeep. |
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