is me again, already 4 month working here....
but recently a lot of policy from sg government restrict FT/FW/PR.

Previously i plan to get the PR, but now PR like no use already....
erm.....is it the right time back 2 malaysia?
Since anwar confident that take over the malaysia......??

I should come 2 sg few years back but not now...it seems i had make a mistake

HDB steps up enforcement against PR Subletting Under regulations which take effect on Wednesday, Housing Board flat owners who are permanent residents will no longer be able to sublet their flats for an indefinite period of time.

Presently, flat owners who are Singapore citizens and permanent residents are allowed to sublet their flat after the minimum occupancy period. The approval is granted for a maximum of three years per application, and owners can apply to renew the period of subletting upon the expiry of each three-year period, said a Housing Board spokesman on Wednesday morning. There is also no cap on the number of renewals and the total period of subletting, he added.

Under the revised rule, permanent residents will only be allowed to sublet their flat if they have not done so before. The approval will be granted for a year only, instead of three years. Upon expiry of the one-year period, the application to extend the approval will be assessed on a case-by-case basis and approval will be granted only if there are extenuating reasons, said the spokesman.

The total period of subletting during the flat owners' entire duration of the flat ownership will be capped at five years.

Assuming that you have enough CPF. If you buy a simple average condo of around $1M, you are already looking at $175K for the 15% and stamp duty. Unless you have been working in SG for 10 or so years with a salary >4500, now 5000... you probably have less than that in your OA.

Trying to sketch a game plan here since we’re at real estate.
1) Assuming I have sufficient cash (no CPF) to buy a 2 bed room condo or a 3 to 4 bedroom HDB.
2)  Again, assuming me and gf apply for PR and under the circumstances that it is going to be approved by ICA, which options should I go for?

• In my purchase I will always consider the preference of the next buyer. How “hot” are the 2 bed rooms condos in the resale market?
• No subletting (if HDB) as we value privacy.
• Do I need an agent to start scouting for me?
• Should I start talking to banks now?
Also, how does bank value a leasehold property? What will happen to the property when the leasehold expires? I struggle to see the relationship between lease life and bank valuation.