Is it worth buying 99-year leasehold landed properties in Singapore?

Buying a 99-year leasehold landed property in Singapore can be worth considering, especially if you are looking for more affordable entry to landed living compared to freehold options. These properties are commonly priced lower, making them attractive for buyers who want a larger space or better location at a lower initial investment.

However, there are important considerations:
- As the lease shortens, 99-year properties tend to see their capital appreciation slow down, and values may even decline as the remaining lease runs down, especially after about 20-30 years.
- Banks may be less willing to provide high loan amounts as the lease diminishes, which can affect future resale prospects or refinancing.
- The gap in price performance between freehold and 99-year landed homes has widened, with freehold generally preferred for long-term investment and legacy planning.
- If your intention is for shorter-term use (for example, the next 10-20 years), a 99-year landed property in a prime location or transformation area can still serve your needs, and you benefit from lower upfront costs.

Before deciding, use property valuation tools like Edge Fair Value on EdgeProp Singapore to compare price trends and historical performance of similar properties nearby. Also, consider your intended holding period and future plans for the property. If long-term wealth preservation and legacy matter most, freehold may still be superior. If affordability and larger space in a good location are your priorities, a 99-year landed can be a practical choice.