Hi all, I would like some advises. For a combine current income of $8K plus is it advisable to go for the first option Semi d? Prefer not to stay in a HDB due to bad experiences with Noisy and inconsiderate neighbours above. Hubby said if choose to stay in Condo, may as well stick to HDB as same problem may arise. Semi d have more privacy and freedom in terms of gardening and pets owning. However, we are both afraid that we might not be able to afford it in long run. May I know the initial cost involved, interest rates for private property housing loan as well as approximate monthly instalments etc in order to maintain the house? We are not in a hurry for a decision yet, still searching for options. Anyone can share their experiences?