HDB as investment?

Hi Guys, I’m looking to buy a HDB as an investment. Would appreciate some help as I myself am not Singaporean. However my wife and our 2 kids are so I believe we are eligible. I have some basic knowledge of the Singapore market.

Here’s some info about us:

Both under 35 y/o

Looking to BTO (I believe this is where we have to queue/put our names for a ‘chance’ to buy a new HDB)

We have no CPF

Have roughly 60k SGD savings

Want to rent out in the future

Questions:

Is our savings sufficient?

Bank Loan vs HDB loan – I think as we do not have 20% deposit, we have to have a HDB loan, right?

Bank loans – do they offer a loan if all our income is earned overseas?

on HDB loans – why would people want a HDB loan when interest is 1% cheaper usually on bank loans? Is it because of greater deposit required?

Which BTO areas are good? (I want really close to MTR station)

4/5 bedrooms better as investment?

if I complete all my paperwork tonight, is there a long lead time for new HDB units to be built? i.e. Can’t buy one within the next 3 – 6 months?

Any helpful webpages/resources available?

Would appreciate any help you can provide, its hard to understand the intricacies of another country’s market when you’re not in the country.

I(26F) had spent almost 2 yrs working for an online retail small biz.

After putting my 2 weeks notice in I got the cold shoulder from the main owner, the wife. There are 2 owners: a husband (35M) and a wife(34F). The wife was the one who started the business.

She refused to acknowledge my existence for 2 days. She would not speak to me or look at me, to the point that my colleagyes were noticing.

A few of them let me know that the wife had been trying to get more info on why I was leaving & where I was going. This was not new behavior for her. She is notorious for talking about her employees to other employees behind their back, in addition to lots of other mean-girl behaviors.

She broke her silence after 2 days and asked to have a meeting with me and the other owner that same day. While heading to the meeting the wife asked to have a private convo about feelings.

More specifically, her feelings. The convo included her telling me I had hurt her feelings for not letting her know I was looking around for jobs and that I had “pulled the rug out from underneath her” when I put my 2 weeks in. She said I had upset her by not thinking of her feelings in deciding to take a new position.

Then she asked if I was capable of not sabotaging their business during my last week and few days working there.

During this convo, the husband pulled aside a staff & asked if I was “going to do something to their business social pages” (I ran the social media accounts). All bc I put my 2 weeks in.

During my meeting with both owners, my 2 weeks were cut short by 3 days bc they would be on vacation for those last 3 days and said they “do not feel comfortable with me in the building while they’re not.” I want to be VERY CLEAR in that I have NEVER ONCE given them a reason or anything close to thinking that is something I would do or be capable of doing.

They then outlined my priorities for my last week there and what they expect me to get done so they can have content to post after I leave. The meeting ends, I go back to my office. Im upset and tears start. I could not sit there the rest of the day let alone another week making stupid TikTok and Instagram videos for them to post & use while I wont even be working there anymore! Especially after how I had just been treated & spoken to! I let my coworkers know and began to grab my stuff. They helped me take my stuff to my car. As my coworkers are helping & saying bye the wife comes out of her office.

She sees us and asks “what the hell is going on?”At this point, I am SO done. I yelled at her that I’m leaving, and for her to question my character just bc I put a 2 weeks notice in is insulting and unacceptable. While Im saying this, I’m walking towards my car & she’s following me. She is sputtering out words like “thats not what i meant”, “what do you even mean?” etc. I again turned to her and told her she cannot treat people like shit and expect them to stay. Got in my car, slammed the door and pulled away. Everyone saw. AITA for making a scene and yelling at my boss? Did I let my emotions get the best of me?

Mid Life crisis, no degree, poor GPA, don’t know what to do.

Actually more like quarter life because of misclick

25F and going to be 26 soon, I’ve obtained diploma from NAFA in 2020 in the middle of circuit breaker and had very poor GPA (2.3). Honestly I was partially expecting poor GPA in year 2 since my mental health problems relapsed at that point.

After graduating from school, I went to work in several temporary/part time jobs that were somewhat related to what I studied. With a salary of $700 – $900/month I didn’t have enough to pay for my medical bills, and bi-monthly visits to the hospital (I have a physical chronic illness as well since I was 14, but it’s manageable).

Even people with no work experience are earning more than my total monthly payout. Everything just seems so futile no matter how hard I try. It didn’t help that there’s no one in my family that really understood what I was going through or help me with my problems. I’ve tried to go for therapy and career counselling, but neither seem to work because it was difficult to articulate these thoughts in a way that they could understand, and each session felt so limited. Looking for therapists is especially difficult when the hospitals are always booked.

When I see online posts that recommend on going for a degree, I can’t help but feel that maybe a degree is what I’m currently missing and not fully ready for the working world.

Finding other jobs is really difficult if I don’t have a degree and education is not getting cheaper, but with my issues, I don’t know if I could cope with going back to school when I barely scraped by during my diploma. I am afraid of the possibility of dropping out again and wasting time and money on Uni.

There’s still the question on what degree I should take, since I had failed in trying to get into NAFA’s degree programmes for two years and it didn’t seem worth pursuing because it didn’t feel like it will add any more value to my employability.

I don’t know if I could afford to try something new because I have been out of mainstream education for so long and may have difficulty learning technical subjects.