An Executive Condominium (EC) is a public-private housing scheme that is developed and sold by private developers but managed by the Housing & Development Board (HDB).

One of the key differences between an EC and a private condominium is that an EC can only be sold to Singaporeans and permanent residents who meet the eligibility criteria. One of the key benefits of an EC is that it is much more affordable than a private condominium, making it a more attractive investment option for first-time buyers.

However, there are also some drawbacks to investing in an EC, such as the MOP (Minimum Occupation Period) of 5 years and the fact that ECs are subject to resale levies. We have compiled a list of pros and cons to help you decide if an EC is a right investment for you.

Pros of Investing in an EC:

  1. More Affordable than Private Condominiums

ECs are more affordable than private condominiums, making them a more attractive investment option for first-time buyers. Private condominiums are generally located in prime areas and have better amenities, making them more desirable.

  1. Attractive Capital Gains

Tengah Plantation Loop EC has outperformed private condominiums in terms of capital gains in the past few years. This is due to the growing demand for ECs from young families and first-time buyers.

  1. MOP (Minimum Occupation Period) of 5 Years

The MOP for an EC is 5 years, which is shorter than the MOP for a private condominium (10 years). This means that you will be able to sell your EC sooner and reap the rewards of your investment.

  1. No ABSD (Additional Buyer’s Stamp Duty)

Unlike private condominiums, there is no ABSD (Additional Buyer’s Stamp Duty) for ECs. This means that you will save on stamp duty when you purchase an EC.

  1. No Resale Levy

ECS is also exempt from the resale levy, which is a levy payable by Singaporeans who purchase a resale HDB flat.

  1. Good Rental Yields

ECS offers good rental yields, making them a good investment for those looking to generate passive income.

  1. Attractive Location

ECS is usually located in prime areas, such as near MRT stations and amenities. This makes them a more attractive investment option for those who are looking for a good location.


As you can see, there are both pros to investing in an EC. The best way to decide whether to invest in an EC or a private condominium is to first decide what your investment goals are. If you are looking for a property to live in and are willing to sacrifice some of your privacy, then an EC is a good option. However, if you are looking for a property to rent out or resell, then a private condominium is a better option.