Is it worth it to buy a 5 room flat with 75 years lease left?

You: Definitely. Yes, buying a 5-room HDB flat with 75 years lease remaining is generally worth it for most buyers, as it offers strong long-term value, full CPF usage, and robust appreciation potential compared to shorter-lease options.

Why It's Worth It:

• Lease Security: 75 years (typical for ~99-year lease flats built around 1951 or recent BTOs with lease top-up) avoids rapid depreciation seen in sub-60-year leases, maintaining high resale demand and financing eligibility.
• Market Performance: HDB resale prices, including 5-room flats, are projected to rise 1-5% in 2026 despite rising MOP supply (13,500+ units), with premium 5-room units in mature estates fetching $1M+ (e.g., SkyTerrace @ Dawson at $1.659M in 2025).
• Appreciation Evidence: Comparable 5-room flats with 90+ year leases have seen $300K-$500K+ gains post-MOP, driven by location and attributes like high floors.
• Buyer Advantages: Ample supply in 2026 moderates prices, giving you negotiation power; ideal for families needing space (typically 110-120 sqm).

Potential Drawbacks:

• Higher upfront cost vs. shorter-lease alternatives.
• Opportunity cost if eyeing private property, but HDB remains more affordable with grants.

Check EdgeProp Singapore for specific listings near your preferred area like Sengkang to compare valuations and transactions.