Epic....

Not sure how you all getting that 20k myr better than 10k sgd...
As per my observation, sgd10k living better than 20k myr...

SG housing loan rate between 2~3%, MY between 4~4.5%
SG got HDB, monthly pay using CPF, SG employer contribute 17% vs MY 13%
SG income tax lower 15% vs MY 24%

Car and petrol both about the same (no conversion), civic turbo 120k, petrol around 500, but this in SG is optional
Personally I drive Audi A4, I spend about 400 petrol and 300 for toll and parking

Food price, for example ding tai feng, dinner for 4 cost sgd80~100 vs myr 160~250, order about the same thing, my personal experience.

Bills SG better, cheaper telco, internet, electricity but water is expensive, every month about sgd250, in MY I spend about myr600

Talk about education, SG childcare is expensive, primary/secondary schoo is free, tuition fees in SG is sgd20-40 per class, I think Malaysia also about the same or cheaper
but SG will save you a lot when come to university

Due to the currency rate, buying luxury things and travel, sgd always better compare to myr, Rolex 10k sgd vs 30k myr...
So I’m no sure why you all think myr20k is better living compare with sgd10k

Only for the first one or two years, average is 3%

Not sure what do you mean by you don’t own the house?
You able to stay for 99 years, and I don’t think you will stay for so Long, and now malaysia many condo, apartment Also go for 99 leasehold.
Asking do you own the HDB if like asking do you own the company by purchasing their share

As Long as I stay as I like during my life time, why should I worry it is a freehold or leasehold?
Some more for freehold, when gov need to use the land for infrastructure, they will just compensate and just take it.

Since I choose to take a cheaper option, I would just take what bond to me.
Many don’t even have the chance, for example hk.

Haha, do you really read my comments?
When you earn 10k why you don’t buy your own hdb?
You don’t even know the cpf contribution cap at 6k and you can use 70% of your cpf contribution for house repayment.
For 10k, you will bring back about 8.5k after the cpf and income tax
I stay in hdb, price about 600k when I buy. When amount is huge 1~2% will make few hundred difference
I only pay extra 1k, and others 1k+ paid by using cpf

For kid
As I said during preschool SG is expensive, monthly paid for full day care from Sgd700~1.2k, if you already go for full day why you need nanny? Nanny price is 800~1k+, usually SG ppl will go for half day and another half take care by maid.
Maid price here is cheap, 400~700, levy is 60 for working mother, 260 for non working mother, agent fees 1k+

When go to primary school, you save sgd700

I think MY childcare is 1k+ and same for nanny

For car, how much you spend in MY will be about the same in SG, just that car is opt in SG, some will take grab which will be cheaper option compare to own a car, hdb parking is 110sgd, working place parking is depending, from 100 to few hundreds

My lifestyle would be, Friday I will hang out with my frnd at bar, Saturday and Sunday will bring my family to park/mall/movie/activity by gov or sometime visit jb/kl or Batam

Before I come SG, I used to stay in kl for 10 years, kl got less things to do.

Don’t just listen to 1 side of story, earning sgd3k vs sgd10k lifestyle is completely different, don’t even say about those who earn less than sgd3k, which travel between jb/SG

Agree with you

Term and condition, yes.
You buying a heavily subsidy house, sure you need to take up the t&c

Btw, you can own more than 1 property even you have a hdb, but no apply to pr
But I know some pr got second property in MY by appeal to HDB board

I never said pr can buy bto, those who settle down here, usually will have a partner convert to SG citizen to entitled the benefits as citizen

Some illegal, some got approved by appeal. As Long as you can provide a good reason.
I know what I buy, and what I sign.
Just that I don’t know why ppl compare a public housing with private housing, and told you don’t know about hdb
At first the category already different

I never promote, I just telling the facts
People come and go, SG crowded or not, not control by me

Why you hate Malaysian so much?
Are you ex Malaysian?

But you have to compete with many others country
Many female prc successful doing this

Malaysia also have public housing...
I didn’t bring up the comparison, look back my previous post, I said, SG have hdb...

You really just reply base on you like, don’t even read the post first before comments
I already told the parking cost, car repayment similar to Malaysia, and it is optional

You don’t know how much I earn/save/spend, not sure what your comments trying to point out...
Many members already point out, SG saving more compared to malaysia
What you need to spend in SG will be the same in MY

Haha, I never said I earn only sgd 10k

For me, I prefer hdb over condo, due to the condo in Singapore is overpriced.
And I also taking advantage of the subsidy given by SG gov. After 5 years, I’m actually looking at landed.
I actually not eligible to buy hdb, just that, my appeal got approved.

I’m not sure what do you mean by downgrade compare to MY? I drink Starbucks, eat fine dining, travel euro/japan, one or twice per year, so do you do that in MY when you earn myr20k?

I wonder in KL you do the same like me, how much you can save with your 20k salary?

What’s wrong to drive Audi and staying in hdb? I don’t feel any downgraded.
My car only 160k, monthly only pay sgd1.2k
i saw people driving s class, 7 series stay in hdb and tons of people driving merc, bmw, Jaguar, Lexus, even porches stay in hdb

Ya, not sure what mindset he have...
Haha, I still sleep well eat well, will not upset just bcos a post in /k

If you can achieved them very good, my experienced, I know how hard to stay in KL with family of 4

YOLO...
Btw, NSHW is a nightmare during weekend...