The 1st version i tink since 2011/2.

12years d bubble crashed. U would have paid instalment 33% by now if buy in 2011/12 if mortgage 30years. 50% is 20years.

Very low return tbh, if just put in index fund already earn 200% capital gain, not including the dividend yet.

11 years only return 30% is like 0.36% return pa. put FD also better than property. Oh ya did I mention we haven't include the mortgage interest rate? Could be a negative return.