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Lentor Central Residences, a 99-year leasehold in District 26, fits the criteria with units around 1,184 sqft and prices between $2,002 to $2,106 per sqft, under $2.4 million. It offers good capital gain potential due to ongoing area development and more than 85 years left on the lease.

Consider staying in midpoints like Paya Lebar or Serangoon for balanced commutes. Both are roughly 23 minutes away from Lorong Chuan and Bugis MRT stations and offer various properties like HDB flats and condominiums.

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Lower interest rates expected in 2025 will improve property affordability in Singapore. While financing conditions are favorable, property prices remain firm due to supply-demand imbalances. More condo units are available, providing buyers with options. Stable economic conditions support the market despite potential global uncertainties.

To buy a 4-room HDB at the lowest price, consider: - Selling your 2-room flat and accounting for sale proceeds and CPF returns. - Expect 4-room prices around $550,000 to $700,000 depending on location and condition. - Lower budget options include non-mature estates, older or renovation-needed flats, or flats with shorter leases.

Cost to change air con in Singapore: - Full system replacement: SGD 1,000 to SGD 3,500 - Condenser replacement: SGD 1,000 to SGD 2,500 - Piping replacement: SGD 500 to SGD 2,000 - Installation costs: SGD 200 to SGD 1,450 - Repair and maintenance: SGD 20 to SGD 549

A single Permanent Resident (PR) cannot apply for an HDB flat; only single Singapore Citizens are eligible under the Single Singapore Citizen Scheme.

Two buyers can select side-by-side flats if available, especially under the Married Child Priority Scheme (MCPS) which provides special queue numbers to increase their chances of choosing adjacent units together.

Your $470 monthly debt payment and $8000 total debt will affect your HFE or HDB loan, as the TDSR limits total debt obligations to 55% of gross monthly income, including all loan repayments.

Only first-timer Singaporean buyers are eligible for grants when purchasing a resale flat; third-timer applicants do not qualify for any grants.