I think they scan for your credit background.
Since most of us will apply a loan for real estate pruchase, so yeah, sg would notice that and block hdb purchase.
I plan to settle down, for the future of my kids.
Education back in m'sia is kinda flip flop with their syllabus...and I do not support for BM being a must.
So until i have kids and they grow up to schooling age and no improvements back home, then i guess I have my answer.
Of coz retiring in m'sia is better than Sg in terms of amt of money (SGD) amassed converted back to RM
But still, if I do not have anything left in M'sia to go back to and all my attachments (kids) are in Sg, then I do not see the point.
So still very far for me to plan exactly.
U have ur point. Both me n my bf plan to get married but we dun own a house in Singapore. Both of us have property in Malaysia.
I prefer life in singapore but housing is a big issue.