sure cannot meh ? i thought dun declare then there wont find out right.
i also planning lah but for example of a modest calculation, a 300k hdb with 80% loan =  60k dpayment + 10k cov = still need 70k upfront

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.

my own strategy is to get the one with lowest COV, previously i was aiming all town area like tanjong pagar, bugis and china town, cause near to office, so i can go without a car, think think my strategy change cause the cov is so high i might as well get a car and have a bigger hdb further abit at jurong west / woodland
my vote goes to buy now, tomolo can be worse

dun think gov will let the hdb price go down, they can always control the supply and demand and hdb valuation, just hope COV will go down