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MY APARTMENT COMPLETED AT MY AGE OF 34.

NO ONE KNOW WHAT HAPPEN IN 2015.

OTHER BROTHERS SUGEESTIONS CAN BE CONSIDER.

IF YOU ARE SINGLE AND WILL GET MARRY BEFORE 2015 THEN YOU MAY NOT HOLDING 1.8 M BY THEN.

ALL DEPAND YOU PLAN AND GOAL

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At what level of down payment you big brothers think would be healthy?

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I guess the point is not when to buy a flat, it is how much $$$ you borrow.

My rule of thumb is always : 50% downpayment, pay up within 7-8 years.  In that way you can pay up your flat early without paying excessive interest, but then it will limit your choices since you have to pay up a lot of $$$.

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Woh, I think it would be too old if you have your first flat at your 40. You know you have to make mortage with banks for at least 10 to 25 years. After say 25 years, you will be at you 65. You could not be sure that you are still able to work at your age between 60 and 65. So quite dangerous in point of view unless you are cival servants !

agree with cherryjasonchan  

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­ì©«¥Ñ cherryjasonchan ©ó 2006-9-2 11:25 PM µoªí
Woh, I think it would be too old if you have your first flat at your 40. You know you have to make mortage with banks for at least 10 to 25 years. After say 25 years, you will be at you 65. You cou ...

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rent is better, interest rate is too high today

It all depends on your luck. Can't say yes or no. And, you are the one to decide what to do & take the result.

timing is everything,,, not about your age, but the reality market condition and other investment opportunities,,,

25-35 starts mortgaging are fine, but all the debts should be settled before 45,,, then you'll get a really free life...

I bought the apartment in 1997 at almost historic peak,,, lucky that the mortgage could be settled before 2010,,,

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