wow 600k for a hdb?? subsidized some more...... must be prime area?
Why don't you look for a resale, get the subsidy maybe at the next dip in the market.
Face it, every few years, real estate will just get more & more expensive. There will be downturns but after the storm is over, the price will leap over the previous high for sure. Every 3 yrs, the difference is about $100k plus minus so the longer your drag, the higher the cost will be.
The worst thing is that the standard of living is getting higher each year but our pay remains rather stagnant. ==> spending power becomes lesser and lesser ...... and when you get married, have kids, kids grow up, you need to spend more and more........ Oh gosh.... this is getting depressing........