We went resale in Bishan in 2023 because we simply could not wait 4 years, and I don't regret it, but the cash was brutal. The valuation was 620k and we paid 55k COV cash on top because it was a popular block near the MRT. Then there was the 2% buyer stamp duty, agent fees, and renovation for an older flat which needed rewiring and hacking, easily 60k more. The upside is we moved in within four months and the location is unbeatable, but if you don't have liquid cash beyond your CPF, resale can really squeeze you dry. Go in with eyes open on the cash-over-valuation reality.