Limit yourself to 3R
Moving in quickly, good choice of flat, good price. Choose ONE
Children or space. Choose ONE first
You actually can have children AND space. If your income grows
Problems with income ceiling
Now, to demonstrate affordability with some numbers...
|Demonstrating loan eligibility for our $2k couple. Assuming $1k each, for a couple born in the 80s.|
|That's a total of $434 per month from the OA, with which to pay home installments.|
|Cash outlay is slightly over $100 per month, for a 20-year loan.|
|Voila! 'Zero cash'!|
"How much do you want? Do you want three meals in a hawker centre, food court or restaurant?"
My point is that, sometimes we have no choice. Just 'eat at a hawker centre first'. And if you have a problem with that, just remember why this is so.