Can I join you kai kai. LoL. Really wish to learn from all of you.

haih.. i am one of the "educated products"

Folks,

How about we get back to discussions and debates with some substance, rather than personal attacks, cheap shots and borderline trolling ?

I'm quite sure there are plenty of knowledgable people here with experience as well, let's put them to good use la 

U always out of topic & hate me

eh, it has been my motto if got see reasonable and no pattern agents sales , i will buy... if the bubble really dont come as expected (touch wood), then my buying will worth the value that time..

as for bro showtime747, i am looking weekly for properties.. wise man dont wait forever for some cycle to come, i am just taking reasonable steps and cycles... with properties price softening target changes..

Banana on fire early the morning

You read their mind very well !

I think your stage 6 = stage 1. Still in denial mode. If a DDD think so, he still has a long way to go

U can read their mind

ya too, i still recall bro Edyek's joint purchase and severance theory... purchasing power alone will land nth more than highrise only...

Nope I don't think so , u haven factor in monthly rental , his ot, cash reserve , income from others investment.
Somemore I haven calculate future gain.
Bank not stupid, bank won't borrow money to u buy property in shit location
Most important is what he have now is asset and his asset is generating income to him.
Loan is ok as long as it is a good loan. 

Good option to have 94k cash reserve even is borrow, at least he have reserve in bad time.
U have to remember now we have flexi loan, if we not using the money we no need pay for the interest.
Bank only borrow u umbrella in sunny day, when rainy day bank won't give u  a shit. That y most of people in
Bad time can't buy property.
Sorry no offence. This is just my personal opinion.
I hope u don't mind.

He is very risk averse and pessimistic. I have advised him many times dont buy property. He will not listen to you. When there is half glass of water in front of him, he will say the glass is almost empty

People without field experience like to analyse from paper work

+1
And they talk and act like  expert without realize sendiri tin kosong saja!

During bull run, every investors are hero, lks in the making. Few of defaulted loan in bad time were in distress during bull run. When time come to default,  sheeps could always blame on the market and said they are not the only one.

When current bull run ended, most agents will quit the industry and many will be more concerned with offloading their own properties than client's. Dead chicken are unlikely will be from them.

There are reasons why less than 1% of adults have over us$1m net worth, speculative or ponzi buying is not one of them.

If $ is in your pocket means you exit the market near peak, a real sifu, congratulations!