Type

Units

Min Area

Price Range

4 BR

1561 sqft

S$989K

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$989K.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$198K on this acquisition.

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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364 Yishun Ring Road: Mature HDB Living in Singapore's Vibrant North

364 Yishun Ring Road stands as a significant residential address in one of Singapore's most established public housing neighbourhoods. This development represents the type of mature HDB precinct that has grown organically over decades, attracting families, upgraders, and investors seeking stability and accessibility in the northern corridor. The flats available at this address showcase the evolving standards of public housing, offering multiple bedrooms and contemporary bathroom configurations that appeal to multigenerational households and those requiring dedicated home office space.

The Yishun Ring Road location places residents within walking distance of substantial commercial and retail facilities, including the Yishun shopping mall complex and numerous food courts that serve the broader community. This accessibility to everyday services, coupled with the neighbourhood's mature tree-lined streets and established character, contributes to its enduring appeal across diverse buyer demographics. The development benefits from decades of settled infrastructure, meaning utilities, drainage, and community facilities are well-established and reliable.

Neighbourhood Character and Amenity Access

Yishun has evolved into a self-contained residential hub with particularly strong family-focused amenities. The district hosts multiple primary and secondary schools, making it exceptionally attractive to parents prioritising educational proximity and convenience. Residents benefit from numerous community centres, sports facilities, and park spaces that encourage active lifestyle choices and community engagement. The Yishun New Town concept means shopping, dining, and entertainment options are integrated throughout the precinct rather than concentrated in a single centre.

Healthcare facilities serve the neighbourhood comprehensively, with clinics and wellness centres distributed across Yishun to ensure medical accessibility. The mature nature of the district also means that essential services from banking to telecommunications have established robust presence, reducing the need for frequent travel beyond the neighbourhood for routine transactions. This level of integrated self-sufficiency particularly benefits retirees, families with young children, and those who prioritise convenience.

Transportation and Connectivity

The Yishun area benefits from strategic road networks connecting to the Central Expressway and Bukit Timah Expressway, facilitating commutes to the Central Business District, airport, and southern regions. For those relying on public transport, bus services throughout Yishun provide comprehensive coverage with multiple routes connecting to major employment centres and transport nodes. The neighbourhood's road layout means that most residents can access services within reasonable walking or short vehicle journeys, supporting lower transportation costs relative to more distant developments.

Housing Characteristics and Unit Specifications

The available units at 364 Yishun Ring Road feature configurations spanning multiple bedrooms and bathrooms, addressing the space requirements of larger households. The approximately 1,561 square feet of space typical for flats in this category provides comfortable living for families seeking room for various activities, studying, and entertaining. Three-bathroom configurations have become increasingly standard in HDB developments, reflecting modern expectations around household amenities and convenience for multigenerational living arrangements.

These flats represent the culmination of decades of HDB design refinement, incorporating lessons learned from earlier public housing generations regarding room proportions, natural light, and ventilation. The mature age of the development means that maintenance standards become increasingly important to purchase considerations, as upgrading to newer units with enhanced specifications is often a primary motivator for buyers at this price point.

Investment and Resale Considerations

HDB properties at the mature end of their lease lifecycles continue to represent accessible entry points for investors and upgraders, particularly as Singapore's population ages and multigenerational households seek larger footprints. The consistency of HDB valuation methodologies means that resale prices tend to follow predictable trajectories based on remaining lease duration, market conditions, and neighbourhood desirability rather than experiencing the volatility sometimes seen in private property sectors. A development's location within an established town with proven commercial and social infrastructure typically supports sustained demand from successive buyer generations.

The pricing bracket represented by flats at this address—from S$989,000—aligns with market expectations for four-bedroom HDB housing in established northern neighbourhoods. This positioning reflects the balance between spacious living configurations and the lease decay considerations that increasingly influence valuation in mature HDB blocks. Investors analysing such properties typically focus on rental demand within the immediate precinct, potential capital preservation through strategic timing, and the psychographic profile of renters seeking larger family-suitable accommodation at moderate rental price points.

Financing and Buyer Suitability

The price point of units at 364 Yishun Ring Road aligns with typical HDB buyer financing through the Housing and Development Board's loan schemes, which offer competitive rates and extended tenures for Singapore Citizens. Second-property buyers should note that Additional Buyer's Stamp Duty at 20% applies to residential property acquisitions beyond their primary residence, substantially increasing the total acquisition cost. This ABSD consideration often prompts investors to model returns carefully, ensuring rental income adequately compensates for the elevated entry costs relative to owner-occupancy scenarios.

First-time buyers utilising their Central Provident Fund (CPF) benefits alongside bank financing typically find four-bedroom HDB units within this price range accessible, particularly when household incomes and CPF balances support the required down payment and mortgage servicing. Upgraders moving from smaller units benefit from established neighbourhood familiarity if relocating within the same planning area, reducing disruption and allowing leveraging of existing community connections. The Total Debt Service Ratio (TDSR) at prevailing interest rates generally accommodates typical household income profiles, though individual circumstances require case-by-case assessment with financial institutions.

District Dynamics and Future Considerations

Yishun's maturity as a residential district means that significant new supply additions within the immediate vicinity remain limited, supporting sustained demand for existing housing stock. The government's focus on rejuvenating mature estates through selective en bloc redevelopment and upgrading initiatives has historically benefited adjacent neighbourhoods, creating spillover demand as residents seek alternatives to areas undergoing major disruption. The northern corridor's continued emphasis on retaining established communities whilst upgrading amenities suggests that mature precincts like Yishun will maintain relevance across multiple housing cycles.

Future transport infrastructure developments affecting broader northern Singapore may enhance accessibility from this location, particularly initiatives addressing cross-district connectivity without requiring CBD transit. Such improvements typically support property valuations in neighbourhoods positioned to benefit from enhanced connectivity without the disruption associated with major construction activity.

Frequently Asked Questions

What rental yield can investors reasonably expect from purchasing a 4-bedroom HDB flat at 364 Yishun Ring Road?

Rental yields for four-bedroom HDB units in established Yishun typically range between 2.5% to 3.5% gross yield, depending on exact unit specification, floor level, and prevailing market rental rates for family-sized accommodation in the district. At the S$989,000 price point, monthly rental demand for units of this configuration remains consistent, as families seeking spacious public housing often prioritise northern neighbourhoods for their combination of affordability and mature amenities. Investors should account for the 20% Additional Buyer's Stamp Duty when modelling net returns, as this substantially impacts the cash-on-cash return calculation relative to owner-occupancy scenarios, particularly in earlier holding years before capital appreciation offsets the elevated acquisition costs.

How does the per-square-foot pricing at 364 Yishun Ring Road compare to recent HDB transactions in Yishun?

The development's pricing implies a per-square-foot rate consistent with Yishun's recent mature HDB transactional benchmarks, typically ranging between S$630 to S$660 per square foot for four-bedroom units depending on condition and remaining lease duration. This positioning reflects genuine market equilibrium rather than speculative pricing, as comparable units across the Yishun precinct have transacted within similar parameters over recent quarters. Buyers assessing value should review specific unit conditions and floor levels, as older blocks sometimes command modest premiums for superior layouts or lower-floor accessibility, though these variations rarely exceed 5% to 8% from the area average.

What is the Additional Buyer's Stamp Duty impact for Singapore Citizens purchasing a second residential property at this location?

Singapore Citizens acquiring a second residential property at 364 Yishun Ring Road must pay 20% Additional Buyer's Stamp Duty on the purchase price, representing a substantial acquisition cost addition. For a property priced at S$989,000, this equates to approximately S$197,800 in ABSD, substantially increasing total acquisition expenditure beyond the base purchase price and standard conveyancing fees. This duty structure significantly influences investment return calculations and frequently prompts second-property buyers to pursue rental strategies with multi-year holding horizons, allowing property appreciation and cumulative rental income to offset the elevated entry cost.

What lease decay risk should buyers consider for HDB flats at 364 Yishun Ring Road, and how does this affect long-term resale value?

The specific lease duration of units at this address fundamentally determines their medium-to-long-term value trajectory, as HDB flats approaching the 80-year lease mark experience accelerating depreciation from market psychology and financing constraints despite continued structural soundness. Buyers should verify exact remaining lease tenure before purchase, as flats with 70+ years remaining typically command premium valuations relative to those approaching 60-year thresholds where financing becomes progressively difficult. Government lease-buyback schemes targeting flats with less than 30 years remaining tenure provide exit strategies for elderly owner-occupiers, but purchasers should not rely on such programmes when calculating mid-term investment returns, instead assuming standard market resale conditions.

How does proximity to the nearest MRT station influence demand and capital appreciation potential for this development?

The Yishun area's public transport connectivity through multiple bus corridors provides substantial accessibility despite relative distance from MRT stations compared to developments in central or eastern Singapore. Properties in mature HDB neighbourhoods with established bus networks typically experience stable demand from price-sensitive buyer segments prioritising affordability and space over premium transport convenience, creating a consistent secondary-market buyer base. Capital appreciation in such locations tends to track broader HDB market growth rather than experiencing the dynamic acceleration sometimes observed near MRT nodes, though neighbourhood maturity and integrated amenities often provide resilience during broader market downturns when families reconsidering location decisions frequently choose established communities with proven infrastructure.

Which buyer profiles are best suited to 364 Yishun Ring Road—upgraders, first-timers, investors, or families?

Upgraders represent the primary natural buyer demographic for this development, as households moving from smaller two- or three-bedroom units seek the additional space and multiple bathrooms that four-bedroom configurations provide for growing families or multigenerational arrangements. First-time buyers with substantial household incomes and accumulated CPF balances can access these units through standard HDB financing, particularly if household composition justifies the larger configuration, though many first-timers prioritise smaller, more affordable entry-level units before progressively upgrading. Investment-focused purchasers pursuing long-term rental strategies find consistent tenant demand for family-sized HDB accommodation in Yishun, though the 20% ABSD impost requires disciplined return assumptions and typically necessitates 10+ year holding horizons to achieve attractive net yields after acquisition costs.

What TDSR headroom exists at typical financing rates for buyers considering 364 Yishun Ring Road?

At current prevailing interest rates and the S$989,000 price point, a typical four-bedroom HDB purchase involves loan amounts of approximately S$700,000 to S$800,000 after standard down payments, translating to monthly mortgage servicing of roughly S$3,500 to S$4,000 depending on loan tenure and applicable interest rates. Households with combined monthly incomes exceeding S$8,500 to S$10,000 generally maintain comfortable TDSR ratios below the regulatory 55% ceiling, accommodating concurrent credit obligations whilst preserving financial flexibility. Buyers should consult directly with HDB or participating banks regarding their specific TDSR calculations, as individual circumstances involving existing debt, variable income, or multiple dependents may constrain borrowing capacity relative to broad market guidelines.

How does 364 Yishun Ring Road compare to nearby competing mature HDB developments in Yishun or adjacent Ang Mo Kio?

Yishun and adjacent Ang Mo Kio neighbourhoods contain numerous mature HDB precincts with comparable four-bedroom unit configurations, many commanding similar or occasionally premium pricing depending on specific location, block age, and remaining lease duration. Developments positioned along Ang Mo Kio Avenue or nearer the Ang Mo Kio MRT interchange sometimes achieve modest price premiums reflecting transport connectivity, though this advantage has diminished as bus rapid transit and cycling infrastructure improvements have enhanced Yishun accessibility. Prospective buyers should conduct systematic comparisons of recent transactional data across multiple Yishun and Ang Mo Kio blocks to establish precise market positioning, as variations in individual unit condition, floor level, and facing orientation often exceed S$30,000 to S$50,000 in absolute price terms.

Which unit stacks or floor levels at this development typically offer superior value relative to premium-priced alternatives?

Mid-level floors (typically 10th to 20th storeys in HDB blocks) generally deliver optimal value propositions, offering improved views and natural light compared to lower storeys whilst avoiding the premium pricing commanded by penthouse or near-top units in mature developments. Lower floor units frequently attract families with young children or elderly residents prioritising accessibility, sometimes trading modest price discounts against the convenience advantage, making such units potentially attractive to investors seeking tenant appeal. Highest-floor units command 10% to 20% premiums for superior vistas and natural light, though buyer psychology increasingly questions whether these premiums reflect genuine value or speculative positioning, particularly in mature blocks where structural condition and remaining lease tenure typically outweigh view considerations in determining medium-term resale performance.

What future supply pipeline or district rejuvenation initiatives might affect 364 Yishun Ring Road's long-term market position?

Yishun's status as a mature town means significant new HDB supply additions within the immediate precinct remain limited, with government policy increasingly favouring selective en bloc redevelopment and upgrading initiatives over greenfield expansion in established neighbourhoods. The broader northern Singapore development strategy emphasises sustainable intensification of existing communities through amenity enhancements, transport improvements, and selective commercial revitalisation rather than wholesale replacement, positioning mature precincts like this for sustained relevance across multiple housing cycles. Buyers should monitor Housing and Development Board announcements regarding upgrade packages or en bloc feasibility studies affecting Yishun blocks, as such programmes sometimes trigger short-term market activity as residents contemplate relocation or strategic timing considerations, though long-term evidence suggests such initiatives typically strengthen rather than undermine adjacent neighbourhood demand through infrastructure improvements and enhanced vibrancy.

[For Sale] Hdb Flat At 364 Yishun Ring Road — From S$989K