I think1. Rent a house is a better option for me, why you want to take the risk (both interest risk and property market risk) if you are not sure you'll stay in S'pore for long? To buy a house, you also need to factor in the renovation and maintenance cost.
2. A lot of condo is not easily accessable, also you need to pay a higher management fee. If you only want to 保值, fixed deposit also achieves the same result.
3. You can sell it to pay back your mortgage or you can rent it out to collect rental and continue to pay back your mortgage.
I think
I think the risk factors, namely, interest risk and property price risk, the first one can be hedged or diminished anyway, since the interest rate goes up, it's always a good deal to get a relatively lower rate mortage, in the case interest rate falls, it generally indicate a good state of the economy, so the price for rental will be higher, the money collected on monthly rental fee will compensate the loss of a higher mortage payment.
The only investment desicion should hence base on your expectation of the future real estate market and your financial plans, if as many analysts predict, there would be a rise in the real estate market, it might be a soundy choice to buy some properties, as long as you can afford. Carefully choose the location and the environment.
The only investment desicion should hence base on your expectation of the future real estate market and your financial plans, if as many analysts predict, there would be a rise in the real estate market, it might be a soundy choice to buy some properties, as long as you can afford. Carefully choose the location and the environment.
Huasing Association 1999 - 2013