technically they will treat all race equally, but in fact, of course chinese would love to get around with chinese instead of ppl from other race.
but what i can see it that the Singaporean chinese is less patriotic compare to Malaysian Chinese. We will call our self Malaysian Chinese but they will still use those terms like I am from Guang Dong, Hokkien, teo chiew that sort of stuff. and the other day Me and My aunty proudly say we are Malaysian and my uncle and cousin is Singaporean, then my uncle become rage. He said what Malaysian Singaporean, we all are Chinese and we are from the same country. no difference 1. i was    that he got rage because of that.

another PR or FT who came to grab jobs and jack up HDB resale price?

I tend to go back every 3 weeks or so. Need to see the family, gf, drive my car.

Rent @ Clementi Ave 3 is kinda high though. 5 room unit (3 bedrooms) is S$2700.

Yeah I'm sharing the whole unit with my 2 friends, of course not the whole unit myself haha.

What is HDP????

sorry guy room full ady...

Not sure if there any FT jobs that come with a SG gf as a package. Let us know if you really get one.

HDB is for PR or Singaporean. If you can pay $3500/month for housing installment then you may consider condo or private appartment. If you want to buy HDB with a SG gf, you need to show them your married cert within 3 months from the date you sign the contract. So ask for a SG wife as part of the package or just rent a room for yourself.

If I am FT with no CPF contribution, I will not buy a HDB. One of the incentive to buy a HDB is you can pay installment with your monthy CPF contribution.

Resale HDB downpayment is usually 20%. Some seller even ask you for a sum of CASH (10'sK)  pay to them directly as part of the deal.

You can sell your HDB anytime when you want to leave SG, there are always buyer waiting.

Find a GF to help you pay your living expenses?  don't forget the cost of "ownership"

First off, you can't purchase through a Singaporean "girlfriend" - both of you need to be legally married.  Alternatively, you and your spouse need to be Singaporean PRs in order to purchase a HDB resale flat.

Also, your housing loan downpayment of SGD20K is far below the minimum required amount to secure a purchase of a SGD650K flat.

Banks require a MINIMUM of 20% of the VALUED price of the flat which in this case would be SGD130K.  Moreover, valuers will always value flats at a price level which is below what the sellers demand, for example a seller might demand SGD650K for his resale flat but the valuer puts it a value of SGD600K.  The difference is called a Cash-over-value (COV) in local jargon and must be paid in cold, hard cash (it will not be financed by any banks).  This would mean a total cash outlay of SGD130K (downpayment) + SGD50K  (COV) = SGD180K. 

I haven't included the legal fees, stamp duty and the inevitable renovation costs.

90 sq metres is considered an average sized unit in Singapore.  5-room units which are 30 years old and barely 100 sq metres (and also needs renovation of at least SGD20-30K) in better locations like Queenstown, Redhill and Tao Payoh are selling for SGD700-800K! 

Decent-sized condos (100 sq metres and above) at these locations are going above SGD1 million.

Unlike Malaysia where the property market is relatively quiet and stagnant, Singapore has a runaway property market with locals and foreigners (particularly Chinese nationals) continually buying and selling properties in an ever-increasing spiral where prices of condos can rise 20-30% in a mere 12 months!