Chencharu Acres gives Yishun buyers a lower entry price for a four-room flat if they can wait. HDB lists four-room BTO prices of S$353,000 to S$428,000 before grants, against nearby four-room resale transactions of S$548,000 to S$660,000 in its launch comparison. The choice turns on how much you would spend on temporary housing, how soon you need to move and which resale flat you would actually buy.
Compare the same flat size first
HDB lists an estimated 93 sqm for both the four-room BTO and its four-room resale comparables, with the BTO measurement including the air-conditioner ledge. The nearby four-room resale examples have about 90 years of lease remaining. Chencharu Acres has estimated waits of 39 or 41 months across the project. HDB measures those waits from the median selection month to projected completion, so allow separately for time before selection, key collection arrangements and fit-out. HDB launch annex, tables A(1)(a) and A(1)(d).
Budget the extra months you would actually rent
Suppose your BTO shortlist contains a S$390,000 flat and your resale shortlist contains a S$600,000 flat. If choosing the BTO means 40 extra months of rent at S$1,800 per month, that adds S$72,000. The BTO price plus this illustrative rent is S$462,000, leaving S$138,000 of the initial price gap before other differences. The prices, rent and 40-month interval are household assumptions.
| Item | BTO | Resale |
|---|---|---|
| Assumed purchase price | S$390,000 | S$600,000 |
| Extra rent relative to the resale move | S$72,000 | S$0 |
| Subtotal | S$462,000 | S$600,000 |
Replace the illustration with your own lease end date and the realistic move-in dates for both options. Add applicable grants, financing costs, duties, renovation and moving costs as separate lines. In particular, a resale home may need substantial work before you can move, while an earlier purchase brings forward mortgage and ownership costs.
Put the decision on a calendar
If you need a home by a fixed date, identify the latest move-in you can accept and shortlist resale homes that could meet it. If your housing can accommodate a wait, compare exact BTO layouts and their offered prices when available. Ask for the remaining lease, condition and comparable transactions for any resale flat on your shortlist. Compare four-room budgets across Sembawang, Tengah and Bayshore.
Archive photograph for context. (SGP-Singapore) Block 717 Tampines 2024-05-17 (photographed 2024). Photo: S5A-0043. Source (https://commons.wikimedia.org/wiki/File:(SGP-Singapore)_Block_717_Tampines_2024-05-17.jpg) · CC BY 4.0 (https://creativecommons.org/licenses/by/4.0). Resized and displayed cropped.
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Lin Xuan: ONG LIN XUAN, CEA registration R069812H. Ade: CHUA MUAY MUAY (ADE CHUA), CEA registration R014252F. ERA REALTY NETWORK PTE LTD, estate agent licence L3002382K.