The Resale Room: This Couple Did Everything Right. Now Comes The Hardest Decision

Hey! I'd love to hear your thoughts, send me a voice note.A couple bought a large 4-bedder in one of Singapore's top profit-making projects back in 2019. They paid around $2.2M. Today it's worth about $3.5M — and they never touched their CPF. So now they can afford up to $5.5M for their next move. The question they walked in with: what do we buy next?In this episode of The Resale Room, Harvey Chia is joined by co-hosts Viv Yeow and Teng Tan for a real case study, not a hypothetical. At $5.5M, do you go for a large-format condo or a landed home? One property, or split it into two? And how much of the decision should be about the money versus how you actually want to live in the place?The panel works through the real trade-offs: why Harvey leans landed at this age and budget, why a big-quantum condo is harder to pick than it looks, and how the newer buyer thinks differently from the traditional one. Teng argues the strategic long-game case — buy landed now, hold it as an option, and work backwards from the end state. Viv makes the lifestyle case for space, facilities and a home you'd actually enjoy. And Harvey lays out the hard truths of en bloc: freehold over leasehold, why you need 80% to agree, and why you should never buy on en bloc potential alone.The throughline: with a windfall from an unprecedented 2019–2026 window, the next move is the one that matters. It's less about buying more to make more, and more about form, duration and the life stage you're buying for. There's no one right answer — only the parameters that fit you.This isn't a podcast of knowledge. It's a podcast of deal-making.Disclaimer: The views and opinions expressed in this podcast are those of the hosts and guests. The discussion is intended for informational and entertainment purposes only. While the insights shared are based on personal perspectives and experiences, they should not be taken as professional or financial advice.A team from SRI Pte Ltd Agency Registration Number: L3010738A---------------------------------------------CHAPTERS0:00 Intro: A Real $5.5 Million Case Study1:23 The Numbers: $3.5M Sale, $1.4M Cash, No CPF Used2:06 The Question: Landed or Large-Format Condo?2:56 Harvey's Case for Landed at $5.5M3:25 Why the Right Big Condo Is Hard to Pick4:31 Viv's Take: Space, Facilities and En Bloc Hopes5:37 Landed for the Cleaning? The Real Reasons People Buy6:04 If It's Not Your Final Home, Buy Landed6:44 Do People Actually Use Condo Facilities?8:02 Who's Buying Landed Now: The New Breed of Buyer9:55 Why $4M+ Condos Are a Harder Sell11:36 Harvey's En Bloc Playbook: Freehold Over Leasehold13:23 Would You Buy a Condo for En Bloc Potential?15:39 The 80% Problem: Why En Bloc Is So Hard17:07 What Do You Actually Want to Achieve?19:29 Why Landed Owners Rarely Sell Within 10 Years21:27 It's About Living in the Home, Not Just the Profit23:30 The 2019–2026 Window and the Next Big Decision25:30 One Property or Two? The Prudent Play27:41 How Teng Really Thinks: Old Man Mind, Young Runway29:14 Final Takes: There's No One Right Answer---------------------------------------------A team from SRI Pte LtdAgency Registration Number: L3010738ACONTACT US FOR MORE PROPERTY REVIEWS & STRATEGIES↓↓↓↓↓↓↓↓↓↓↓↓↓↓↓↓↓↓↓Buyers & Sellers: https://whatsform.com/byc-pj-----------------------------------------------------------------------------------------------STAY CONNECTED WITH US📸 Follow us on Instagram, Facebook and Tiktok: @propertyroundtable