hi mashi,
thanks for the suggestion. we went to view resale EC which is more affordable and new upcoming condo to know their payment structure. Personally, i would rather go for private housing since HDB has too many rules.
I told bf, if we would to fork out so much cash at the beginning, might as well get a condo unit cos there will be minimum reno. But his thinking is that in times of recession, HDB flat still hold its value partly becos the govt is controlling the pricing.
we will be trying again for the Oct balloting, hopefully, we can get a good Q no.
I try not to stay with in-law. i dun wan to spoilt my own market. Cos living with them, must follow their house rules. Even if next time, we have our own place and his mum stays with us, it will be very hard to change the impression. His mum may bring the mentality that she is still the owner of the house over.
To avoid conflicts, better get our own place first. If necessary, i dun mind postponing our wedding.