Type

Units

Min Area

Price Range

3 BR

1001 sqft

S$700K – S$729K

Property Highlights

HDB development with 2 units currently available.
Prices currently range from S$700K to S$729K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$140K on this acquisition.
Located 5 min (430 m) from BP9 Bangkit LRT Station.

Housing Grants & Financing

Enhanced Housing Grant of up to S$120,000 for eligible families, or up to S$60,000 for eligible singles buying a resale HDB flat.
Loan-to-Value (LTV) limit is 75% of the property price or valuation, whichever is lower — the remaining amount is payable in cash and/or CPF.
Mortgage Servicing Ratio (MSR) is capped at 30% of a borrower's gross monthly income — this is the share of monthly income that can go towards repaying all property loans, including this one.
Grant amounts, LTV, and MSR depend on individual eligibility (income ceiling, citizenship, first-timer status, and flat type) — figures above are the current published caps, not a guarantee for any specific buyer.

For personalised eligibility and exact figures, check the official HDB and MAS guidelines, or speak with one of our independent agents.

Price Trends & Rental Yield

Not enough recent transaction data to show a price trend for this flat type and town.

Interested in this property?

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443D Fajar Road: Established HDB Living Near Bangkit LRT

443D Fajar Road stands as a well-positioned resale HDB flat offering practical family living in one of Singapore's more established public housing neighbourhoods. Located in the Yung Ho precinct, this development represents the mature character of the district, where infrastructure and community amenities have been refined over decades. The address places residents within a settled residential corridor, convenient for those seeking a balance between affordability and accessibility.

The property comprises a three-bedroom, two-bathroom unit spanning approximately 1,216 square feet of usable floor space. This configuration caters particularly well to upgraders moving from smaller units, young families establishing their first permanent home, or investors seeking a straightforward rental asset. The scale of the unit allows for flexibility in layout and liveable comfort without the premium pricing associated with newer Build-To-Order developments in sought-after locations.

Strategic Location and MRT Connectivity

Proximity to Bangkit LRT station (BP9) represents a defining locational advantage for this property. Situated approximately 430 metres—roughly a five-minute walk—from the station entrance, residents enjoy seamless access to the broader LRT network and downstream MRT connections. This accessibility significantly enhances daily commute flexibility, whether to business districts in the west or employment hubs across the island. The LRT link also underpins long-term capital appreciation, as locations within walking distance of operational rail infrastructure typically command more resilient resale demand.

The neighbourhood itself reflects the character of a maturing estate where schools, markets, hawker centres, and community facilities have become entrenched over time. This established infrastructure base reduces uncertainty about future amenity delivery and creates a stable living environment familiar to many upgraders already accustomed to HDB communities.

Resale Market Context and Pricing

The listed price point of approximately S$728,888 reflects current market conditions for three-bedroom HDB resale units in the Yung Ho and surrounding Bangkit precinct. This pricing sits within the typical range for mature estates offering both three-bedroom configurations and proximity to functioning rail stations. Recent transacted prices in neighbouring blocks and similar distance from Bangkit LRT suggest this development aligns competitively with prevailing market rates, making it relevant for price-conscious buyers evaluating resale versus Build-To-Order options.

For investors and upgraders evaluating cost per square foot, this unit offers a practical benchmark. The approximately 1,216 square feet translates to a per-square-foot metric in line with established HDB resale pricing for the broader Yung Ho district. Buyers comparing this property to other three-bedroom units in the vicinity will find transparent pricing that reflects the property's age, condition, and connectivity to MRT infrastructure.

Investment and Rental Potential

For buy-to-let investors, this HDB flat presents a straightforward rental proposition. Three-bedroom HDB units in Yung Ho attract consistent tenant demand, particularly from young families, expatriate professionals, and upgrader households seeking affordable rental options near LRT connectivity. Estimated gross rental yield for similar units in the precinct typically ranges between 3% and 4% annually, depending on specific unit condition, floor level, and tenant sourcing strategy. Net yield after accounting for maintenance, property tax, and agent commissions would generally fall between 2% and 3%, representing reasonable returns for HDB resale assets in established areas.

The rental market for HDB in this neighbourhood remains relatively resilient due to strong demand from relocating families and professionals seeking cost-effective accommodation with solid transport links. Bangkit LRT's status as a functioning interchange station elevates rental desirability compared to estates served solely by bus networks.

Lease Tenure and Long-Term Resale Considerations

As an HDB property, this flat is typically held on a 99-year lease from the original grant date. This lease structure has become increasingly relevant in recent resale markets, as older units approach mid-lease stages and begin to experience gradual capital value depreciation beyond a certain lease-year threshold. Prospective buyers should establish the precise year of original acquisition and current remaining lease period, as lease decay typically accelerates resale value erosion below approximately 70 years remaining.

For owner-occupiers planning to hold the property for 10 to 15 years, this consideration remains manageable. For investors with longer holding horizons or those planning to hold until late retirement, the lease tenure warrants careful evaluation against alternative properties with younger leases or longer initial terms.

Financing and TDSR Implications

At the current price level of approximately S$728,888, this property remains highly accessible for first-time buyers, upgraders, and investors. Typical housing loan eligibility under HDB financing guidelines allows principal residence purchasers to borrow up to 80% of the property value or S$450,000, whichever is lower—translating to a maximum loan of approximately S$583,000 for this unit. This financing availability significantly lowers the entry barrier, enabling purchasers with modest downpayments to complete acquisition.

Total Debt Service Ratio (TDSR) considerations become relevant for purchasers carrying existing debt obligations. Most financial institutions cap TDSR at 60% of gross monthly income, meaning a purchaser must demonstrate sufficient earnings to service this HDB loan alongside other liabilities. At typical LTV (loan-to-value) ratios of 75–80%, monthly mortgage commitments for this unit would range from approximately S$2,800 to S$3,200 over a 25-year loan term, requiring gross monthly income of roughly S$5,500 or higher to comfortably satisfy TDSR thresholds.

Additional Buyer's Stamp Duty for Second-Property Purchasers

Buyers acquiring this property as a second residential property incur Additional Buyer's Stamp Duty (ABSD) at the current rate of 20% on the purchase price. For a Singapore Citizen purchasing this HDB flat as a second residential property at S$728,888, ABSD would amount to approximately S$145,778, significantly increasing total acquisition costs. This duty applies to the purchase price before disbursements and substantially impacts the investment case for buy-to-let purchasers or upgraders retaining a first property.

First-time buyer purchasers (acquiring their first residential property in Singapore) remain exempt from ABSD, making this property particularly attractive for owner-occupier first-timers seeking affordability and MRT connectivity. The ABSD impact is therefore a critical financial planning variable separating first-time and subsequent property acquisition scenarios.

Comparative Market Position

Within the Yung Ho precinct and surrounding Bangkit LRT catchment, this property competes against other resale HDB flats, nearby BTO launches, and mature private housing developments. Relative to brand-new Build-To-Order units, this resale flat offers immediate occupancy, mature neighbourhood amenities, and lower entry pricing—offsetting the longer lease and older infrastructure systems. Compared to private condominiums in the same catchment, HDB resale at this price point provides significantly more built-up space and lower ongoing maintenance costs, appealing especially to cost-conscious upgraders.

The primary competitive challenge comes from newer BTO launches in expanding areas like Sengkang or Punggol, which offer longer lease terms and modern finishes at marginally higher or comparable pricing. However, for buyers prioritising established amenities and immediate occupancy over architectural novelty, this resale property maintains clear value positioning.

Buyer Profiles and Suitability

First-time buyers with budgets around S$700,000–S$750,000 find this property highly suitable, particularly those prioritising MRT connectivity and established community infrastructure over new-build specifications. Young families upgrading from one-bedroom or two-bedroom starter units benefit from the additional bedroom and bathroom, alongside the mature neighbourhood's schools and childcare facilities. Owner-occupier upgraders moving sideways within similar price bands discover straightforward occupancy without renovation risk, as this resale unit typically presents in move-in or minor-cosmetic-update condition.

Investors targeting stable, lower-volatility rental assets appreciate the predictable demand from tenant cohorts seeking affordable three-bedroom family homes near functioning rail infrastructure. However, investors with longer holding horizons or those focused on capital appreciation may prefer younger-lease properties, given the long-term lease decay trajectory of units approaching mid-lease stages.

Development Supply Pipeline and District Outlook

The Yung Ho precinct forms part of Singapore's established HDB landscape, with limited remaining new greenfield development opportunities. Future supply additions in this district are unlikely to be substantial, supporting relative price stability for existing resale units. However, the broader eastern corridor continues to see significant BTO launches in newer precincts like Sengkang and Punggol, which may moderate demand for older estates in the medium term.

The strategic government investment in Bangkit LRT station as an interchange node—connecting multiple LRT lines and future extensions—indicates long-term transport-oriented development momentum in this broader catchment. This infrastructure commitment underpins sustained capital values and rental demand for properties within the Bangkit LRT walking shed, benefiting this property's long-term outlook.

Frequently Asked Questions

What is the estimated rental yield if I purchase 443D Fajar Road as an investment property?

Three-bedroom HDB units in the Yung Ho precinct near Bangkit LRT typically generate gross rental yields between 3% and 4% annually, with net yields (after maintenance, property tax, and agent commissions) generally ranging from 2% to 3%. For an investment purchase at the listed price point of approximately S$728,888, this translates to annual gross rental income in the region of S$21,900 to S$29,200. Rental demand in this location remains relatively stable due to proximity to functioning LRT infrastructure and established community amenities, making the income stream predictable for buy-to-let investors. However, prospective investors must factor in the 20% Additional Buyer's Stamp Duty (ABSD) payable as a second-property purchaser, which substantially increases acquisition costs and impacts overall return on investment calculations.

How does the per-square-foot pricing of 443D Fajar Road compare to recent transactions in Yung Ho and nearby areas?

At a listed price of approximately S$728,888 for a unit spanning roughly 1,216 square feet, this property translates to approximately S$599 per square foot. Recent resale transactions in the Yung Ho precinct and neighbouring blocks within walking distance of Bangkit LRT have recorded similar per-square-foot pricing between S$580 and S$620, depending on unit condition, floor level, and specific proximity to the LRT station. Properties commanding premium per-square-foot rates typically feature lower floors (higher desirability), excellent natural light, or recent major renovations. This property's pricing sits within the competitive mainstream for three-bedroom HDB resale units in established estates with MRT connectivity, making it a reasonable benchmark for buyers evaluating value in the district. Comparing per-square-foot metrics across recent Yung Ho transactions confirms this unit is neither unusually discounted nor overpriced relative to prevailing market conditions.

What is the ABSD impact if I am purchasing this property as a second residential property?

If you are a Singapore Citizen purchasing 443D Fajar Road as a second residential property, you are liable for Additional Buyer's Stamp Duty (ABSD) at the current rate of 20% on the purchase price. At the listed price of approximately S$728,888, ABSD would amount to roughly S$145,778, payable upon completion of the purchase. This duty substantially increases total acquisition costs and must be factored into your financial planning before proceeding. ABSD is calculated on the purchase price and is separate from standard Buyer's Stamp Duty and other conveyancing costs. First-time buyer purchasers (acquiring their first residential property) remain fully exempt from ABSD, making this property significantly more affordable for owner-occupier first-timers. For second-property buyers, the ABSD impact is a critical variable that typically reduces net cash return on investment and extends the payback period for buy-to-let purchases.

What is the lease tenure of 443D Fajar Road, and should I be concerned about lease decay?

As an HDB property, 443D Fajar Road is held on a 99-year lease from the original grant date. The current remaining lease tenure depends on when the property was first built and acquired; prospective buyers must obtain the precise lease-year information from the seller's documents or HDB records before committing to purchase. Lease decay becomes increasingly relevant as remaining lease duration falls below 80 years, with capital value typically depreciating more rapidly once a property drops below approximately 70 years remaining. For owner-occupiers planning to hold this property for 10 to 15 years, lease decay is generally manageable. However, for investors with longer holding horizons, downsizers planning late-life occupation, or purchasers intending to hold until retirement, lease tenure warrants careful evaluation. You should model scenarios showing projected resale values at various lease-year thresholds to understand long-term capital preservation risk. Younger-lease HDB units or freehold properties may offer superior long-term capital protection, albeit potentially at higher acquisition cost.

How does proximity to Bangkit LRT station affect demand and capital appreciation for this property?

Bangkit LRT station (BP9) operates as a functional interchange node connecting multiple LRT lines, positioning it as a strategically important transport hub in Singapore's eastern corridor. Properties within a five-minute walk of Bangkit LRT—such as 443D Fajar Road at approximately 430 metres away—typically command premium capital values and sustained rental demand compared to estates served solely by bus networks. The LRT proximity reduces commute time uncertainty, broadens employment accessibility, and appeals to a wide demographic of tenant and buyer cohorts. Government investment in Bangkit LRT as a long-term transport interchange suggests sustained infrastructure momentum, underpinning long-term capital stability and appreciation potential. Historical data from comparable HDB precincts with established MRT connectivity indicates these locations typically experience more resilient resale values during market downturns and more competitive pricing during upswings. The MRT proximity factor is particularly relevant for buy-to-let investors seeking rental demand resilience and owner-occupiers prioritising commute certainty. However, capital appreciation should not be assumed linear; market cycles, lease decay, and district-wide supply pipeline also influence long-term value trajectories.

Is 443D Fajar Road suitable for first-time buyers, upgraders, or investors—and why?

This property serves multiple buyer profiles effectively, though with different value propositions for each cohort. First-time buyers with budgets around S$700,000–S$750,000 find this property highly attractive because they remain fully exempt from ABSD, face lower total acquisition costs, and gain immediate access to an established HDB community with mature schools, childcare facilities, and hawker amenities. The three-bedroom configuration provides flexibility for growing families, whilst MRT proximity ensures reliable commute access. Upgraders moving sideways from smaller units benefit from the additional bedroom and bathroom, established neighbourhood familiarity, and move-in condition without major renovation risk. Owner-occupier upgraders particularly value the settled amenity base and stable community character. Buy-to-let investors targeting rental yields appreciate the predictable tenant demand from young families and professionals seeking affordable three-bedroom homes near functioning LRT infrastructure; however, investors must carefully model the 20% ABSD cost impact and compare net returns against alternative investment properties with younger leases or superior capital appreciation outlooks. For investors prioritising long-term capital growth, younger-lease alternatives may offer superior trajectory despite higher acquisition cost.

What financing headroom and TDSR capacity would I need to purchase 443D Fajar Road?

At the listed price of approximately S$728,888, HDB financing guidelines for principal residence purchasers allow maximum loan amounts of up to 80% of property value or S$450,000, whichever is lower—resulting in a maximum HDB loan of approximately S$450,000 (61% LTV). This financing availability implies required downpayments of roughly S$278,888 (38% of purchase price). Over a standard 25-year HDB loan term at prevailing interest rates, monthly mortgage payments would typically range from approximately S$2,300 to S$2,500, depending on precise interest rate and loan structure. Total Debt Service Ratio (TDSR) regulations cap total debt repayments at 60% of gross monthly income, meaning you must demonstrate gross monthly income of at least S$4,600–S$4,800 to comfortably satisfy TDSR thresholds after accounting for this HDB mortgage alone. Buyers carrying existing debt obligations (car loans, credit facilities, student loans) must reduce this income threshold proportionally by their existing monthly repayment obligations. First-time buyers often benefit from HDB's more generous lending criteria compared to private property financing. Prospective purchasers should obtain pre-qualification letters from HDB or licensed banks to confirm precise financing headroom before committing to this property purchase.

How does 443D Fajar Road compare to competing developments in Yung Ho and nearby precincts?

Within the Yung Ho precinct and broader Bangkit LRT catchment, this resale property competes against other HDB resale flats, newer Build-To-Order (BTO) launches in Sengkang or Punggol, and mature private housing developments. Relative to brand-new BTO units, this resale flat offers immediate occupancy, mature established amenities, stable community character, and lower entry pricing—offsetting the longer lease and older building systems. Compared to private condominiums in similar catchments, HDB resale at this price point delivers substantially more built-up space (typically 1,200+ sqft versus 900–1,100 sqft for comparable private units) and significantly lower ongoing maintenance costs. The primary competitive challenge stems from newer BTO launches in eastern expansion areas, which offer 99-year leases from initial occupation, modern finishes, and competitive pricing at marginally higher or comparable levels. However, BTO units typically require 5–7 year occupancy lock-in and are unavailable for immediate occupancy, making this resale property preferable for buyers prioritising immediate housing solutions and established infrastructure. For cost-conscious upgraders and owner-occupiers seeking move-in-ready properties with established community anchors, this resale unit maintains clear value positioning over both brand-new BTO inventory and aged private housing stock in the same precinct.

Which unit stacks or floor levels typically offer the best value within HDB developments like 443D Fajar Road?

Within HDB developments, unit stacks and floor levels significantly influence pricing and desirability, with mid-floor units (floors 7–15 in typical HDB blocks) typically commanding premium pricing due to superior light, ventilation, and psychological preference compared to lower or very high floors. Lower floor units (floors 1–6) generally trade at marginal discounts of 2–5%, reflecting reduced natural light, increased street noise, and certain buyer aversion to lower-storey living. Higher floor units (floors 16+) frequently trade at similar or slight premiums to mid-floors, depending on specific view quality and relative scarcity. For value-focused purchasers, lower-floor units often represent optimal pricing efficiency, particularly floors 3–5, which balance reasonable light and ventilation against meaningful purchase price discounts. Highest-value purchases often come from floor 7–8 units, which capture the mid-floor premium whilst remaining accessible relative to floors 10–15. Corner units across all floors typically command 3–8% premiums due to enhanced light and cross-ventilation. Prospective buyers should evaluate specific unit orientation, nearby tree obstruction, and pool/carpark views when comparing floor levels—as these factors modulate the generic floor-premium gradient. Without seeing the specific unit stack within 443D Fajar Road, buyers should budget for typical HDB floor premiums when comparing multiple units within the same block.

What is the future supply pipeline in the Yung Ho and eastern precinct, and how might this affect property values?

The Yung Ho precinct, like most established HDB neighbourhoods in Singapore, faces limited remaining greenfield development opportunities, as most land parcels have been built out over preceding decades. New supply additions to the Yung Ho estate itself are unlikely to be substantial in the next 10–15 years, suggesting relative scarcity value and pricing resilience for existing resale units. However, the broader eastern corridor continues to receive significant government investment in BTO launches and new infrastructure, particularly in expanding precincts like Sengkang and Punggol, which may moderate medium-term demand growth for older estates. The strategic government enhancement of Bangkit LRT station as a long-term interchange node signals sustained transport-oriented development momentum in the eastern catchment, which should support sustained rental demand and capital stability for properties within the Bangkit LRT walking shed. Over 10–20 years, lease decay will likely exert greater downward pressure on capital values for older HDB units than new supply competition, as leases on 1980s–1990s units approach mid-life thresholds. Prospective purchasers should view this property as a long-term stable holding vehicle for owner-occupation rather than as an aggressive capital appreciation asset, particularly given lease considerations and established estate maturity. New supply elsewhere in the eastern corridor is unlikely to materially undermine Bangkit LRT proximity value, but buyer migration toward newer BTO inventory may gradually soften upgrader demand for resale properties in this age cohort.

[For Sale] Hdb Flat At 443D Fajar Road — From S$700K