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Many Singapore homebuyers ask the same question — is buying an Executive Condominium (EC) a good investment? With property prices rising and land supply tightening, ECs continue to attract both first-time buyers and upgraders.Let’s explore why ECs are often seen as one of the best-value property investments in Singapore.
An Executive Condominium (EC) is a unique housing type that starts as subsidised public housing but becomes fully private after 10 years.
During the first 5 years, it’s subject to HDB rules such as the Minimum Occupation Period (MOP). After 10 years, all restrictions are lifted, and the EC is treated as a private condominium.
This hybrid nature allows EC buyers to enjoy government subsidies upfront while gaining private property value appreciation later.
ECs are typically 20–30% cheaper than nearby private condominiums at launch.For example, if a nearby private condo is priced at $2,300 psf, a new EC might launch at $1,700–$1,900 psf.
This lower entry price provides instant capital buffer — meaning even before privatisation, ECs often see significant appreciation once MOP is reached.
Once the EC completes its 5-year MOP, it can be sold to Singapore Citizens and PRs on the open market.At this stage, ECs often experience a price uplift of 15–25%, driven by:
Removal of initial purchase restrictions (income ceiling, family nucleus, MSR loan computation, private property etc)
Demand from upgraders and PRs
Limited new EC supply
By the time the EC is fully privatised (10 years), it usually matches or even surpasses surrounding private condos in price.
ECs are popular with:
First-timers looking for affordability
HDB upgraders seeking condo facilities
Families planning for long-term ownership
Because of their limited supply — typically only 2–3 EC launches per year — resale demand remains consistently strong, especially in mature or well-connected estates.
Example:An EC launched at $900 psf in 2014 may reach $1,400 psf after MOP (5 years later).By 2025, after full privatisation, its resale price could cross $1,700 psf — representing an estimated 90% capital gain in 10 years.
(Figures are illustrative, based on market trends of ECs such as The Quintet, Parc Life, and Piermont Grand.)
While ECs offer strong potential, buyers should also consider:
5-year MOP restriction — no renting or selling during this period
Income ceiling for new EC eligibility
30-month waiting period after selling a private property
No foreign buyers until after full privatisation
So, is buying an EC a good investment?✅ Yes — for most Singaporeans, ECs are among the best-value property choices.
You get the benefits of lower entry cost, government subsidy, and private market appreciation — making it a smart long-term property investment.
Whether you’re planning to stay or upgrade later, ECs continue to deliver strong returns and lifestyle value.
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