Bought The Vales EC two bedder in 2017 at $650k. Outstanding loan of $400k at 1.5% interest rate at five year fixed which ends 2025 sep. We now have a four year old daughter. So thinking of our options and which may work best for us.

1. sell The Vales and buy Foresque Residences. Two bedder. Continue to own a car at $20k depre, outstanding loan of $110k.
2. sell The Vales and buy hillion residences at $1.27m.  Two bedder. Sell away car and no more outstanding loan of $110k.
3. sell The Vales and buy jelebu four room Hdb at $750k. (Need Hdb to waive off waiting period) Sell away car and no more outstanding loan of $110k.
4. rent out the Vales and hope it continues to appreciate higher than 3%. Then rent hillion residences or jelebu Hdb.

I am trying to strike a balance of

• stay near parents at BT panj
• stay near mrt so don’t need to drive
• Capital gains > interest paid

Hi there,...