When should you consider HDB resale over BTO

1. You require a flat without a long waiting period, as BTO flats can take 3 to 5 years for completion, whereas resale flats are available for immediate occupation. 
2. You prefer a specific location that may not be available in the upcoming BTO launches, especially if you want to live near your workplace, family, or within a mature estate with established amenities. 
3. You are looking for a flat with a particular layout, size, or facing that is not offered in the current BTO or SBF (Sale of Balance Flats) options. 
4. You may be eligible for CPF housing grants, such as the Family Grant or Proximity Housing Grant, which can offset the cost of the resale flat. 
5. You want to avoid the balloting process and potential disappointment of not securing a BTO flat, as resale transactions are based on willing buyer-willing seller negotiations. 
6. You are considering the Lease Buyback Scheme (LBS) as an option for retirement planning and wish to stay in your current flat while selling part of the lease back to HDB.  

It's important to assess your financial situation, including your eligibility for loans and grants, and to consider the condition and remaining lease of the resale flat to ensure it meets your long-term needs.