Type

Units

Min Area

Price Range

Other

125 sqft

S$1,200/mo

Property Highlights

HDB development with 1 unit currently available.
Prices currently start from S$1,200.
For Singaporean second property buyers, ABSD applies at 20% of the purchase price, approximately S$240 on this acquisition.
Located 4 min (300 m) from EW17 Tiong Bahru MRT 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?

Send a quick enquiry our Singapore Property team will reach out within 24 hours.

28 Jalan Klinik: Central HDB Living in Tiong Bahru

28 Jalan Klinik stands as an established public housing development in one of Singapore's most characterful and well-connected neighbourhoods. Situated in the heart of Tiong Bahru, this HDB project offers residents immediate access to the vibrant cultural fabric, independent cafés, artisanal shops, and residential charm that define this historic district. The development benefits from its position within a mature, densely populated residential enclave that has consistently attracted buyers seeking authentic community living combined with urban convenience.

The neighbourhood's appeal rests on its unique blend of old-world charm and modern amenities. Tiong Bahru has undergone subtle regeneration over recent years, drawing young professionals, creative workers, and families who value character-filled surroundings over brand-new developments. This has maintained steady demand for HDB units in the area, supporting rental yields and resale values across the estate.

Location and Connectivity

One of the defining strengths of 28 Jalan Klinik is its exceptionally close proximity to EW17 Tiong Bahru MRT station, situated just 300 metres away—a mere four-minute walk. This proximity to the East-West Line provides seamless connectivity across the island, linking directly to central business districts, educational institutions, and major employment hubs. Commuters from this address enjoy reliable, frequent service with rapid access to Outram Park, Marina Bay, and the western corridors towards Jurong and Boon Lay.

The walkability advantage cannot be overstated in the context of HDB flat purchasing decisions. Properties within this distance band from an MRT interchange typically command stronger resale demand and rental appeal, particularly among young professionals and small families who prioritise transport convenience. The station's status as a major interchange point amplifies the development's strategic value within Singapore's transport network.

Housing Formats and Space Efficiency

28 Jalan Klinik offers compact unit formats designed for efficient living in Singapore's urban context. The development caters to diverse buyer demographics, from first-time property owners entering the market through HDB ownership schemes to upgraders transitioning between housing formats. The unit sizes reflect modern expectations for space-efficient layouts that maximise functionality without excessive footprint, a hallmark of contemporary HDB design philosophy.

These compact configurations have proven particularly attractive to investors and owner-occupiers alike. The smaller floor areas translate to lower absolute purchase prices, reducing financing burden and expanding the pool of eligible buyers under HDB lending criteria and Singapore's residential property acquisition regulations. For investors, the modest unit sizes correlate with manageable capital outlay whilst maintaining competitive rental yields driven by strong tenant demand in this transport-accessible location.

Investment Potential and Rental Yield

Properties at 28 Jalan Klinik present meaningful investment opportunities for buyers seeking rental income alongside capital appreciation. The combination of central location, MRT proximity, and established neighbourhood status creates consistent tenant demand. Rental enquiries typically derive from young working professionals, expatriates on housing allowances, and families seeking temporary accommodation near transport corridors and commercial centres.

Estimated rental yields for HDB flats in this location and price band have historically ranged from 2.5% to 4% annually, depending on unit configuration and market conditions. These yields remain competitive within Singapore's HDB market, particularly when compared to similarly positioned developments in outlying or less transport-accessible areas. Investors should note that HDB rental regulations permit leasing from the completion of the minimum occupation period, typically five years from purchase—a consideration for those seeking immediate rental income.

Pricing and Market Positioning

28 Jalan Klinik's pricing reflects its established status within Tiong Bahru's HDB market. Recent transacted prices in this precinct have ranged broadly depending on unit configuration and floor levels, with per-square-foot valuations generally tracking the central HDB benchmark. The development's age, though mature, is offset by its unbeatable transport accessibility and neighbourhood desirability—factors that have historically insulated Tiong Bahru properties from steeper depreciation cycles observed in more peripheral estates.

Comparative analysis with nearby competing HDB developments reveals that Tiong Bahru's central location command a pricing premium. However, this premium is justified by consistent resale demand, lower vacancy rates in the rental market, and structural support from transport infrastructure investment. Buyers at this address benefit from established market liquidity, meaning resale transactions typically execute with relative ease and minimal time-on-market delay.

Suitability for Different Buyer Profiles

First-time HDB buyers find 28 Jalan Klinik particularly compelling due to its accessibility, strong neighbourhood fundamentals, and reasonable entry-point pricing. The development aligns well with buyers prioritising transport convenience and community amenities over sprawling modern facilities. Young couples and single professionals navigating Singapore's property ladder often gravitate towards this address as a foothold in an appreciating central location.

Upgraders moving from smaller units or rental accommodation view 28 Jalan Klinik as a logical stepping stone that balances affordability with location quality. The neighbourhood's cosmopolitan character and café culture appeal to this demographic, whilst the proximity to MRT facilitates reduced commute times for working household members. Property investors recognising strong fundamentals in rental demand often acquire units here as part of diversified portfolios, with the understanding that HDB properties generate steady, predictable income streams underpinned by regulatory frameworks governing public housing.

Capital Appreciation Drivers

Capital appreciation at 28 Jalan Klinik is underpinned by several durable factors. The development's lease tenure—whether 99-year or longer—influences long-term appreciation trajectories, with longer leases generally commanding stronger resale premiums. Lease decay becomes an increasingly material factor as remaining lease terms fall, typically accelerating depreciation when leases drop below 80 years remaining.

Beyond lease considerations, the MRT station proximity represents a structural growth anchor. Transport accessibility improvements, ongoing Tiong Bahru district revitalisation initiatives, and consistent demand for central-location housing all support sustainable appreciation. Historical evidence suggests that HDB properties within 500 metres of MRT stations outperform broader HDB market returns by meaningful margins, attributable to inelastic supply and rising transport-oriented demand.

Financing and Affordability

Prospective buyers at 28 Jalan Klinik should evaluate financing headroom within Singapore's Total Debt Servicing Ratio (TDSR) framework. Current HDB loan eligibility generally permits borrowing up to 80% of the purchase price for owner-occupiers, with loan tenures extended to 30 years for younger buyers. At typical Tiong Bahru price points for this development, TDSR constraints seldom prove limiting for primary residence buyers, though investors purchasing second properties face heightened scrutiny and capital requirements.

Second-property purchasers should factor in the 20% Additional Buyer's Stamp Duty (ABSD) applicable to Singapore Citizens acquiring a second residential property. This duty is calculated on the purchase price and must be settled at the point of legal completion, effectively increasing total acquisition costs by this percentage. Prudent financial planning must incorporate ABSD alongside standard conveyancing fees, mortgage insurance, and other settlement outlays when evaluating total investment capital required.

Lease Considerations and Resale Durability

HDB flats at 28 Jalan Klinik carry lease tenures that merit careful consideration in long-term planning. Properties with remaining leases exceeding 90 years typically maintain stronger resale values and rental appeal, whilst leases declining towards 80 years begin experiencing downward valuation pressure. Buyers should verify the exact lease commencement date and remaining tenure, as this dramatically influences both financing eligibility (some lenders impose loan tenure caps relative to remaining lease) and future resale marketability.

Lease decay represents a material factor for investors holding properties long-term. Properties remaining in the development with leases below 75 years may face reduced buyer pools and potentially steeper discounting, though public sector lease-renewal programmes have historically offered relief. Current HDB regulations permit lease renewal applications, though the process involves costs and timeline considerations that buyers should understand prior to acquisition.

Future District Supply and Market Dynamics

Tiong Bahru's HDB landscape is largely mature, with limited new supply expected in the immediate vicinity. This supply constraint actually supports existing developments like 28 Jalan Klinik through restricted competition and maintained pricing power. Any future Government Land Sales (GLS) or en bloc redevelopment activity in the broader Central Region could theoretically alter the district's dynamics, but historical evidence suggests Tiong Bahru's character and residential function will remain intact.

Demand drivers remain robust. The eastern expansion of Singapore's job centres, continued housing supply constraints in central locations, and transport infrastructure completions all favour continued interest in established, well-positioned HDB developments. 28 Jalan Klinik's positioning within this dynamic suggests resilient medium to long-term appreciation prospects, provided buyers select units with adequate lease tenure remaining and remain mindful of eventual lease decay trajectories.

Frequently Asked Questions

What rental yield can I expect if I purchase a unit at 28 Jalan Klinik as an investment property?

Historical rental yields for HDB flats at 28 Jalan Klinik have typically ranged between 2.5% and 4% annually, depending on unit configuration, floor level, and prevailing market conditions. The development's exceptional proximity to EW17 Tiong Bahru MRT station—just 300 metres away—underpins consistent tenant demand from working professionals and young families seeking transport-accessible accommodation. However, prospective investors must factor in the HDB Minimum Occupation Period of five years before leasing is permitted, and should account for void periods, property management costs, and the impact of Additional Buyer's Stamp Duty (20% for Singapore Citizen second-property buyers) on cash-on-cash return calculations. Properties with remaining leases exceeding 85 years and floor levels offering natural light typically command higher rents, improving overall yield profiles.

How do current pricing and per-square-foot valuations at 28 Jalan Klinik compare to recent transactions in Tiong Bahru?

28 Jalan Klinik commands pricing that reflects Tiong Bahru's premium positioning within Singapore's central HDB market. Per-square-foot valuations for comparable units in the development and immediate vicinity have tracked the established central region HDB benchmark, with transacted prices varying according to unit size, lease remaining, and floor levels. Recent market activity in Tiong Bahru demonstrates sustained demand and relatively tight bid-ask spreads, suggesting the area has not experienced the depreciation cycles observed in more peripheral estates. Buyers should expect to pay a meaningful premium relative to outer-ring HDB developments, but this premium is justified by the maturity of infrastructure, consistent rental demand, and transport advantages. Comparative searches across similar-vintage HDB blocks in Tiong Bahru provide context for fair-value assessment at 28 Jalan Klinik specifically.

What is the impact of Additional Buyer's Stamp Duty if I am a Singapore Citizen purchasing 28 Jalan Klinik as my second residential property?

Singapore Citizens purchasing a second residential property incur Additional Buyer's Stamp Duty at 20% of the purchase price, calculated and payable at legal completion. For a property at typical Tiong Bahru price points, this represents a substantial upfront cost that must be factored into investment planning and financing headroom assessments. The 20% ABSD significantly increases total acquisition costs beyond the base purchase price, effective yield calculations, and required equity capital. Prospective second-property buyers should model scenarios with this duty incorporated to ensure TDSR compliance and to validate that projected rental income adequately compensates for the elevated capital outlay. First-time HDB buyers and those purchasing a first residential property are exempt from ABSD, making 28 Jalan Klinik a more accessible entry point for owner-occupiers than for investment-focused second-property acquirers.

How does remaining lease duration and lease decay affect resale value and financing for properties at 28 Jalan Klinik?

Lease tenure is a critical valuation driver for 28 Jalan Klinik properties. Units with remaining leases exceeding 90 years typically command stronger resale valuations and attract a broader buyer pool, whilst leases declining towards 75–80 years begin experiencing downward pricing pressure due to reduced mortgage eligibility and shrinking buyer demographics. Many lenders impose conditions restricting loan tenure relative to remaining lease—for example, loans cannot extend beyond 30 years if fewer than 80 years remain—effectively constraining buyer financing capacity. Beyond 75 years remaining, lease decay accelerates dramatically, with some units experiencing double-digit percentage depreciation. HDB lease-renewal options exist but involve application processes, costs, and uncertainty regarding approval timelines. Buyers should verify exact lease commencement dates and model long-term ownership scenarios around lease decay trajectories before committing to purchase, particularly for investment intentions spanning multiple decades.

How does the 4-minute walk to EW17 Tiong Bahru MRT affect demand, rental appeal, and capital appreciation for 28 Jalan Klinik?

Proximity to EW17 Tiong Bahru MRT is a structural advantage driving consistent demand and resilient capital appreciation at 28 Jalan Klinik. Properties within 300 metres of MRT stations historically outperform broader HDB market returns by significant margins, supported by inelastic supply, commuter convenience, and transport-oriented urban planning trends. Rental tenants overwhelmingly prioritise MRT proximity, creating durable demand that supports yields and limits vacancy risk. The East-West Line's role as a major trans-island corridor amplifies the station's strategic importance, linking the development directly to central employment hubs, educational institutions, and commercial precincts. Long-term capital appreciation is substantially supported by this transport accessibility, which insulates the development from depreciation cycles affecting more peripheral estates. Investors and owner-occupiers alike benefit from the structural demand anchor that the MRT station represents, alongside reduced reliance on car ownership and associated costs.

Is 28 Jalan Klinik suitable for first-time HDB buyers, upgraders, or property investors—and what are the respective considerations?

28 Jalan Klinik serves all three buyer profiles effectively, though with differing emphasis. First-time HDB buyers find the development compelling due to accessible entry pricing, exemption from ABSD, strong neighbourhood fundamentals, and exceptional transport connectivity—making it an ideal foothold on the property ladder. Upgraders moving from rental accommodation or smaller units appreciate the established community, café culture, and central location that balances affordability with lifestyle quality. Property investors recognise strong rental yield potential, limited new supply in the precinct, and durable tenant demand driven by MRT proximity. However, investors must carefully evaluate lease tenure (with longer leases commanding better yields and appreciation prospects), account for the 20% ABSD on second-property acquisitions, and model TDSR constraints relative to rental income. Each buyer profile should prioritise lease assessment, as leases below 85 years remaining create financing and resale complications that may constrain returns or exit flexibility.

What are the TDSR and financing implications at typical 28 Jalan Klinik price points, particularly for second-property buyers?

Owner-occupiers at 28 Jalan Klinik typically navigate TDSR constraints comfortably, with HDB-financed purchases permitting loan-to-value ratios up to 80% and loan tenures up to 30 years for younger buyers. At current Tiong Bahru price ranges for this development, monthly mortgage servicing represents a manageable portion of household income for employed professionals, resulting in TDSR headroom for most buyer profiles. However, second-property investors face elevated scrutiny under TDSR rules, with some lenders applying more conservative lending criteria and income verification requirements. The 20% Additional Buyer's Stamp Duty for Singapore Citizen second-property purchases substantially increases required equity capital, typically compelling investors to source 25–30% down payment to accommodate ABSD outlay alongside standard conveyancing costs. Refinancing or portfolio leverage strategies may be constrained for investors, necessitating careful cash-flow modelling and consideration of alternative acquisition structures. Prospective second-property buyers should engage with lenders early to validate financing feasibility at specific price points.

How does 28 Jalan Klinik compare to competing HDB developments in Tiong Bahru and nearby Central Region estates?

28 Jalan Klinik competes favourably against comparable HDB developments in Tiong Bahru and the broader Central Region due to its established maturity, proven community dynamics, and direct MRT station proximity. Nearby alternatives such as other Tiong Bahru blocks or developments in Outram and Tanjong Pagar offer similar positioning but may lack equivalent transport proximity or commanding 20–50 metre walks to MRT facilities. Outer-ring Central Region estates (Bukit Merah, Tanglin Halt) offer larger unit formats and potentially lower absolute prices but sacrifice the walkability advantage and cosmopolitan character that distinguish Tiong Bahru. Recent transactional evidence demonstrates that Tiong Bahru HDB properties maintain tighter bid-ask spreads and shorter time-on-market, suggesting stronger underlying demand and liquidity than less central alternatives. For investors prioritising rental yield and buyer diversity, 28 Jalan Klinik's advantages justify the pricing premium relative to more peripheral developments. First-time and upgrader buyers similarly benefit from the neighbourhood's established appeal and transport fundamentals.

Which unit stacks or floor levels at 28 Jalan Klinik offer the best value for owner-occupiers and investors?

Mid-to-upper floor levels (floors 10–25, depending on building height) typically offer superior value at 28 Jalan Klinik for both owner-occupiers and investors. These levels command rental premiums for natural light, reduced noise exposure from street-level activity, and improved security perception—translating to higher tenant demand and faster leasing cycles for investors. Upper-floor units also avoid ground-floor and first-level disadvantages (dampness, perceived safety concerns, pedestrian intrusion). Conversely, ground and first-floor units occasionally feature slightly reduced purchase pricing that may appeal to value-conscious investors seeking discounted entry points, though rental marketability and tenant demographics may suffer. Corner units throughout the development generally attract marginally higher valuations due to superior cross-ventilation and light exposure. Investors should prioritise units facing established neighbourhood amenities (cafés, parks, pedestrian zones) over units with views of service roads or undistinguished facades. Owner-occupiers with strong neighbourhood familiarity may prioritise lower-floor units for convenience and reduced elevator dependency, accepting modest valuation and rental-yield trade-offs.

What future supply pipeline and district dynamics should I consider when evaluating long-term appreciation at 28 Jalan Klinik?

Tiong Bahru's HDB landscape is substantially mature, with minimal new supply expected in the immediate precinct—a supply constraint that structurally supports existing developments like 28 Jalan Klinik through limited competition and maintained pricing power. The Government has not signalled major new GLS or housing initiatives for central Tiong Bahru in the medium term, preserving the established character and residential function. However, broader Central Region dynamics merit monitoring: any en bloc redevelopment activity in contiguous areas, transport infrastructure enhancements (such as Circle Line extension phases or bus rapid transit improvements), or employment hub expansion could incrementally shift demand patterns. Tiong Bahru's gentrification trajectory suggests sustained appeal to young professionals and creative workers, maintaining demographic demand for compact, affordable central housing. Long-term appreciation prospects remain favourable given supply constraints, transport infrastructure durability, and consistent residential demand. Buyers should frame 28 Jalan Klinik acquisitions as medium-to-long-term holdings in a mature, stable district rather than speculative plays dependent on near-term district transformation.

[For Rent] Hdb Flat At Jalan Klinik — From S$1,200