At what age do HDB 3-room flats start depreciating in value?

HDB 3-room flats typically do not show significant depreciation until they reach a certain age in their lease. Here are the key points:

- The value of HDB flats, including 3-room units, remains relatively stable until the remaining lease drops below a certain threshold. Significant depreciation usually starts when the balance lease is less than 35 years. This is because at this point, the remaining lease may not be sufficient to cover the youngest buyer until they are 95 years old, which affects financing options and reduces the pool of potential buyers.

- Before this threshold, the depreciation rate is generally slower. For instance, until around 31 years of age, three-room flats may not be significantly affected by lease decay.

Therefore, the noticeable depreciation in value for HDB 3-room flats tends to begin when the remaining lease is less than 35 years.