Single and near 35? Afraid of buying at the top, or of waiting and getting priced out? Both have happened before. Your loan, your rent and your parents' ages show what waiting costs you, whatever prices do.
Everyone says wait for 35. Then "next year" comes round again. What are you giving up while you wait? Three routes may offer another way in, but a costly choice can be hard to undo.
One buyer, one S$800,000 HDB flat, three strategies -- run against real Singapore interest-rate history from 1997 to 2022, including the 1997-98 crisis and the 2022-23 SORA hike, not just today's rate.
Singapore has no dedicated tenant-protection law, so the order you do things in, and the clauses you actually read, are what protect both sides. Here's the full DIY procedure: the Letter of Intent almost nobody explains, the minor-repair and servicing clauses that decide ongoing bills, a real aircon scam to watch for, what the move-in inspection window is actually for, and the address-registration duties that catch nearly everyone out.
Everyone says wait for 35. Then "next year" comes round again. What are you giving up while you wait? Three routes may offer another way in, but a costly choice can be hard to undo.
One buyer, one S$800,000 HDB flat, three strategies -- run against real Singapore interest-rate history from 1997 to 2022, including the 1997-98 crisis and the 2022-23 SORA hike, not just today's rate.
Singapore has no dedicated tenant-protection law, so the order you do things in, and the clauses you actually read, are what protect both sides. Here's the full DIY procedure: the Letter of Intent almost nobody explains, the minor-repair and servicing clauses that decide ongoing bills, a real aircon scam to watch for, what the move-in inspection window is actually for, and the address-registration duties that catch nearly everyone out.