Wah like damn sian.
Imagine those waited the cheap BTO until wasted few years of youth.
40yo liao wait another 4years construction.
Really. Left how many years to stay in that HDB sia
yup.
BTO must start young,. more realistic for mid 20s to apply and selected the flat...
lucky ones 35yrs old, should be MOP up and can upgrade to pte .. just nice salaries also increased.
not so lucky ones.. can start at 40yrs old... still got time.
but by 45yrs old, no need think liao.
it's too stressful if you are a normal wage earner (not high salary type) to take on larger loan..
coz 50yrs old, you already starting to think of retirement and deleveraging. not to mention RETRENCHMENT. hehe. Unless u got one fully paid property to stay and the other one is service by ur tenant.