Me and my fiance is looking for our first property.
With my current financial condition, i should able to get the home loan pass, but after paying monthly installment, i have not much free cash on hand which is quite worrying
So we decided to split the installment in 6:4 ratio.

I am newbie in property, Guru2 said joint housing loan or ownership will make either party lose a title as first home buyer and subsequently lose some of the benifits.
In this case, im thinking is there any black and white i can do which agreed that this property owned by both of us with the mentioned ratio, but not adding my fiance name into the loan / house ownership?

Another noob question from me - how to define first home buyer? a guy without any housing loan or without any name on a property (I assume we can joint name on ownership but not joint loan?) ?

Looking for advices from sifu2 here TQ

Make sense…. How about the maximum loan amount for 2nd purchase? Will it be lesser?

90%(max) margin financing for 2nd house. For the 2nd unit , you can consider using single name .

3rd unit onwards , it will drop till 70% margin financing (max).