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Are You Missing Out on Better Property Options?
Recently, I met a family who wanted to upgrade from their HDB to a condo.
During our conversation, the wife asked me what her best options would be.
She talked about moving into a 2-bedroom new launch and possibly staying with her parents for a while.
She also considered a bigger 3-bedroom resale condo or even applying for a BTO.
But she never once mentioned an Executive Condominium (EC).
That caught my attention because, looking at her finances and affordability, EC seemed like the most logical choice.
When I asked her why EC never came up, her response was simple.
“No one ever told me about it.”
Agents who knocked on her door only talked about new launch condos.
Her colleagues, who were in stronger financial positions, kept mentioning private condos and how they owned two each.
Over time, that shaped her perspective.
She thought that private condos were the only path forward and that ECs were not even worth considering.
This is what I call a blind spot - when you only hear certain options repeatedly, and other viable options are completely overlooked.
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How Blind Spots Are Created:
❌ One-Sided Advice from Agents
Most agents will promote products they are more familiar with or have better commissions on. If they’re mainly selling private condos, that’s all you’ll hear about.
❌ Echo Chambers of Friends and Family
If everyone around you owns a condo or two, that’s what you’ll aspire to as well. No one talks about other options like ECs or even a bigger HDB.
❌ Assumptions Based on Incomplete Information
Most buyers look at URA data and see PSF prices, transaction volumes, and average unit sizes.
But they don’t see the full picture - like deferred payment schemes for ECs, potential grants, or how ECs can appreciate significantly after they go fully private.
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I grew up in a landed property owned by my grandfather while my parents owned a HDB that they rented out.
So I was exposed to both types of properties from a young age.
That gave me a balanced perspective, and it shaped my property path.
HDB → BTO → Private Condo → 2 Private Condos
If I only listened to what people around me were doing, I might have missed these opportunities.
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For this family, we took a step back and looked at the asset progression model:
HDB → Bigger HDB → Executive Condominium (EC) → Private Condo → Two Condos → Landed Property
When I laid out this structured path, the EC option finally made sense to her.
🔹 It offered more space than a 2-bedroom condo.
🔹 It provided deferred payment options while the EC was under construction, allowing them to stay in their HDB and save up.
🔹 And it had potential for higher appreciation when it goes fully private.
This option wasn’t on her radar simply because no one in her circle talked about it.
I often meet clients who regret their decisions because they realise later that they never considered other options.
They were too focused on what everyone else was talking about.
They followed the herd and missed out on potential opportunities.
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If you only hear about new launches, you’ll think that’s the only way forward.
If you only hear about private condos, you’ll think ECs are not worth considering.
But sometimes, the best option is the one you never heard about.
If you’re feeling stuck or unsure about what’s next, it might be worth exploring the options you haven’t considered.
Blind spots can cost you time and money, but clarity can open up better paths.
If you want to discuss how to structure your property path without missing out on key opportunities, feel free to reach out.
Sometimes, all it takes is a fresh perspective to see what’s been right in front of you all along.
Have further questions?
Drop me a message to arrange a no-obligation discussion.
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