Is a new launch really more expensive?
A resale always looks cheaper on the sticker. Reset the lease, normalise the space, and count what you'd actually spend on each — then read the real gap.
These numbers are a guide, not a quote. They're illustrative — every home, loan and timeline is different. Use this as a starting point, then check the real figures with a consultant before you act on them.
Compare the two homes
The same details, side by side. Type over any field.
Your scenario
We compare both homes over the 5 years you'll hold them — 4 years waiting for the new launch + 1 year living there after TOP.
Fill in your numbers above, then see the real difference.
Three intangibles worth another S$100K+
These don't show up in any spreadsheet — but they're real money, easily another ~5% on the new launch.
First-mover advantage
Everyone in a new launch bought near one price band. The collective floor holds — and when the project hands over to its second wave of buyers, you're the early one with the lower entry.
New always sells faster
Buyers pay a premium for fresh. New launches typically outperform resale by ~5–6% in the first 4–5 years — on your S$2.00M home, that's roughly S$100K of paper upside the calculator above ignores.
Far from the 40-yr wall
Banks tighten loans and CPF usage when a lease falls below ~60 years. A fresh 99 stays clear of that danger zone for decades; an 85-year resale is already on the clock.
How to read this
This is the cost of getting in, not the return on getting out. The real gap usually buys a brand-new home, a fresh 99-year lease, no renovation, and a stronger floor on exit. (CPF accrued interest goes back to your own CPF — not lost.) Indicative only — your figures depend on the actual homes, financing and timing.
You've seen the numbers.
Want an in-depth walk-through on your own two homes — or help choosing a new launch that fits your lifestyle and budget? That's the conversation.
Request a 7-min discovery call