Hi team,

I have been following your posts and they have been informative. I have been in a dilemma for some time and wanted to tap on your expertise with regards to my next steps.

My husband, baby daughter and I live in a 3 room HDB at 132A Canberra Crescent. It was enough as a couple but with a young child, the space is no longer sufficient. The flat was fully paid up in cash on purchase and will MOP next year.

My monthly salary is $15K and I have a car loan of $800 a month. No other debts. My CPF OA has around $70K.

My husband is self employed with a monthly salary on average of $9K-$13K. He has around $20K CPF OA. Combined we have liquid cash is around $100K. We will both be 35 next year when we’re looking to buy.

We will require a 3 bedroom home, >1,000 sqf ideally in the East.