Hi I am trying to ascertain if I am in a financial position to buy a condo. I have just received my PR, so CPF = 0 Have savings of around 60K cash. I could borrow from credit card around 20K So net cash available for down payment(including all extra charges) = 80K Our family income is 10K per month. I would like to buy a 2 or 3 bedroom flat with budget 500-600K. Size atleast 950sqft. Location should be close to some MRT and within reasonable distance from city (we work in CBD). Preference would be North East / East I heard that banks are currently not giving any loan more than 80% for property purchase. Which complicates my situation as I am hoping for a 90% loan. What do gurus suggest ? Should I start looking at properties now with my current financial status, or wait sometime for my savings to increase and prices to fall a bit. Thanks