Indeed. i earn 18k nett a month but still feel this was a mistake. Its not a decision i regret but its more like a decision that i succumb due to parental and in law pressure to get a house before my wedding

Had i choose to wait i would have had a better deal and a house of better value during covid era when people were desperate to sell

As if loan repayment is immaterial.

during a 30 years loan tenure, borrower will endure 2 or 3 economic recession.
Most of those who bought in the last few years would think otherwise.
700-800 psf even 1,000 psf was common a few years ago.

Freehold is actually not free from government takeover you know.

If die² want that plot of land, government can figure out ways to take it back.

And honestly by that point at the end of 99 years you're already close to the end or shuffled off your mortal coil unless your family is full of centinarians, and that's assuming you and/or your family will stay in that house or on that plot of land forever. Landed houses rarely tahan more than 40+ years without becoming severely expensive to maintain, at that point you might even decide to sell it and upgrade/downgrade. If is high-rise/strata by 20 years will be very run down.

The main downside of leasehold is actually the resale value, since banks usually hesitant to give loan to property with not much lease years left on title.

Buy for yourself first and foremost. Future generations can always find a solution with future generation's circumstances.

Yet many promote 'buy for children' 

Agreed on the part especially when SA kept selling that land not alot already and material raise price, so cost will increase slowly.

But actually one thing interest me, if based on psf wise, landed would have the best deal compared to condo. It's just that the absolute price is not favorable.