Hi. No question is dumb question. If don’t know, then you are free to ask. That’s the purpose this thread was created. To help Those who are seeking for answer.

For interest rates, it’s currently very low, but it shouldn’t be the only reason why you are buying now. This is because interest rates can goes up and when it happen, your instalment will be adjusted too.

For HOC, it’s an initiative by Govt to help developers to clear their overhang unit as well as undercon units. Plus with developer's in house package, it further makes it a more attractive one.

But in my humble opinion, property buying should be from you. You have to be ready mentally as it will somehow affect your current lifestyle, especially if you likes to travel. And if you buying to invest, you need to prepare for the time it’s vacant and you have to be paying it.

If you are prepared both financially and mentally, I would say anytime is a good time to buy...