If the hat doesn’t fit, don’t wear it.
I would never even buy a $1m condo to begin with cos i know I can’t afford it.
You SHOULD be angry with yourself but NOT because u earn less than your friends BUT because u bit off more than u can chew.
Everyone wants to live in private housing. Atas mah. If u can afford it without a loan, great! Or if u need a small loan which u know u can pay off in a few years, still ok lah.
If u have to beg, borrow & steal and despite that still need to take a huge bank loan that takes over 20 years to pay off, then quite obviously condo is not for u, so why bother? For face? To show off?
I live in a 3 rm hdb flat. Some consider it homely. Others may laugh at it being a low class pigeon hole. But it took me just 3 years to pay off my loan. Sure its not a mansion but at least i have a roof, registered in my name, over my head & i am now debt free.
I would much rather live debt free in my “low class pigeon hole” then be in debt for the next xx years just cos i want to show ppl i live in an atas condo.