Guide to Budgeting for a BTO/HDB Resale Flat

For most of us, it will be a good idea to purchase a HDB flat as your first property even if you have the financial means to buy a private property.

This is because the first property is usually purchased in your mid 20s or early 30s which is a period of many exisiting and increasing financial commitments such as giving allowance to parents, repayment of student loans, saving for marriage, starting a family and many others.  Over committing to a property will immediately create stress in all these other areas.

This guide is designed to help provide you with an example as well as a worksheet to help you do a budgeting exercise before you begin your house hunting journey.

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