Originally Posted by
Montaigne
Think u have only 3 options. Sell your hdb so u will have higher budget, realise your dream faster. Alternatively, wait til the price drop to your budget if u die die want to hold on to hdb. How long the wait no one can know for sure. Or sell your hdb, downgrade to a smaller one near the school, get some cash, save up another 5 yrs during mop, by then maybe swee swee price soften, grab your 3 bedders, rent out your hdb. I think in the short run, price movement will not be huge. Bottomline is, do not over stretch. Must prepare for the worst and see if u have holding power for two properties during downturn.