For own stay along with parents.

Nice, yep I am giving a thought as well, might need to work on my credit score by probably getting a credit card and paying them off all on time. Then probably get the property. Just that worried as a year pass by might see a hike in the price and finding a suitable and liking property in future.

I wouldn’t worry about another boom any time soon

if u got cash, build ur credit profile first and look for subsales also a good idea

Normal for parents to buy property using children's name now. I did it too.

But my case is other way around. I'm buying myself on my name.

Just a general comment from my working experience.

Salute you. Your parents must be proud of you.

if good thing then you will see a hike on the property or areas you like... if the property not really having any good potential... then u will see more discount and freebies come out by the year passby...

The vicious cycle of irony, and we're the victim.

if holding power is good, then source a good deal.. i bought my place at an early age too around the start of 2018 at a flexi rate of 4.5, now its 4.25..

the interest rate of 5% is somewhat about there in the market, although i do think u could find a little bit lower..

another option you should consider which I am too also for investment purposes are auction properties.. you can really find some goood deals in the lelong markets now..

Maybe you can apply a credit card? This will help you get lower rate from bank because tis shown you are ready to commit any loan