Nowadays you don't need a lot of money for downpayment. Developer giving so much rebates. Just get fa-ma to become co-borrower and you hava a wide array of choices to choose from. EPF can withdraw account 2 somemore so there's really no excuse. But if you wanna argue that you can't even afford the monthly installment, then I suppose you're probably not even in a position to think about getting a home. Just work and save for a while longer.. my 2 cents.