It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?

Property is good if you got it at the right time, right place, right people.

Bought my 1st unit in SG straight out of uni with the money parents initially prepared for my tuition fee. That was the pre property boom period. Installment was covered by rental and CPF contribution, got extra some more. 2nd unit joint name with hubby, shorter loan period and we drop most of the income into the installment, everyday bring lunch box to work, coffee from pantry and dinner at home. Clear the loan before retiring to a stay-home mum. Now doing what I like without worrying on financial issue.

We got some units in KL but the rental there really sad. SG better yield. Tenants are more behaved haha.

Buy within means though, many people got into trouble coz over commit.