Hi Ellysia,
we don't qualify for resale grant also cos combined income > $8k. there is still the income ceiling.
As for HDB flat, we will probably buy a 4 bedroom flat, not a 4 room flat. There are alot in Pasir Ris and some in Tampines. my parents stay in Tampines, but at the moemnt, no rush to buy HDB flat cos there is space at my parents'/IL's place and they are looking after our bb. we don't want to move to our own home, then every day have to shuttle to and fro parents'/IL's home and our own home. not good for bb too.
as for location, I agree with you. near to ameneties is important. we are looking at private ppty walking distance from MRT station. Although they are all 99 years, we are okay with it cos we don't plan to resell it to upgrade. 99 years sure depreciate. We just want to stay near to MRT for the next 20 years or so.. easily for our kids to get around.
I know what you mean by kids not coming when we want it. every bb is a blessing. hb and I have more or less decided if I don't get pregnant again by Feb next year, we won't have a 2nd child, cos we are not keen to have a child born in the year of the tiger and hb doesn't want me to be a mother again at over 30. He thinks the risks are too high, given that we would already have 1 child. He also doesn't want to be a father too old, he wants to retire young..
My dad retired at 49 and is living a comfortable lifestyle now. my hb takes my dad to be his idol...
Yeah... now we are just waiting and see how. my hb is up for a promotion but not sure if he will get it. Deep in my heart, I know if he gets his promotion, we will almost certainly buy that landed property even if #1 or #2 is abnormal cos his salary would be alot more than now. His work conditions will also improve. but we need to wait till Nov to know.