It's not hard to own a property, overcome the fussy attitude & buy according your budget. Buy at rentable location, a property is an investment for marriage, kids, retirement & future generation. Buy a property within your budget as soon as you can afford. Saving attitude must start from young.

I believe future mak/bapa mertua will ask "Do you own a house/property?" If NO their reliability to you is insecure. They must be thinking where all your money went ? Once married & have kids its harder to buy. Enjoy now or suffer later.

Many property buyer now invest in their own, kids future, backup, profit etc. Last generation I know, will sell to finance their kids overseas study.

ASB is a good if one can have, service loan 3-5years boost up the capital, when time comes redraw the dividend. You get free house & free ASB every year. This can only happen with 200k loan & 100% discipline. Sad to say many dont want this benefit. My 2c