Wait for BTO or go for resale?

Question

Hello mommies. Just wanting to rant. I have an upcoming baby due in January, and a 3 year old girl currently. My husband is now a stable well earned salary worker. He has been in the current industry for two years. Yet he says that he still needs time to save up for the family. He also mentioned that he would still prefer to go for bto, after umpteen times getting rejected. We have been to house viewing cos initially we thought bto and sbf were out from the picture already. Now, without my consent or approval, he said that he would rather wait for bto again. He will try over and over if failed again and again. At the meantime, he wants us to stay with him in a rented apartment with a not so good environment. Mommies.. im sure you want your children to grow up in a proper environment. Me and my daughter are currently residing at my parents hdb 5room flat. My husband would spend his week (Mon to Thurs) at my parents home, while the weekend, he returns to his rented apartment. I just dont know how to get him to get a permanent house asap, since resale flat is easier to get now, i supposed. At the same time, he kept mentioning that he doesnt have much savings. So all these while when he told me that he had saved one grand per month, shouldnt that be enough since he has worked in the current job for more than two years? #help_mom #rants

Vô danh · Accepted Answer

I can hear how stressful this is, especially with another baby on the way. The thing is, BTO and resale are quite different paths, BTO takes years even after approval, while resale you can move into much faster, which matters when you have two young kids and a third coming. Two grand a month saved over two years should be a decent foundation, so it might be worth sitting down with your husband to actually map out the numbers together: what's needed for resale down payment versus what he thinks BTO needs, because sometimes the gap isn't as big as it feels. The environment matters for your family's wellbeing, but so does him feeling heard about his preference, so maybe the conversation shifts from "we need to buy now" to "let's look at realistic timelines for both options", sometimes that helps partners move forward instead of staying stuck in either-or thinking.