if you cant even save up for downpayment
what makes you to have the ability to pay the installment?

wait 1-2yrs first, save up

st127

there is no hard and fast rules to acquire properties

save up first, when you have $$$, it is always easier to pick up good deals

even if you want to buy a new property, if you dun have $$$, how to pay, loan agreement lawyers fees, MOT (i discourage to finance these small fees)

if you wait 1-2 yrs, your epf balance would grow, and if you manage to find a wife, combine the income + cpf, surely you'll be able to get our dream house

dun rush for it, and buy anything just for the sake of owning of property

i would like to get hold of the statistic you had

the housing loan will not kill you, becos if you dun pay installment you also need to pay rent, plus getting help from FAMA bank is very valid to pay for housing needs

the one that kill you is credit card debt, personal loan