Is it better to rent or buy a flat?

Buy in China no good. But in Singapore is good

You are talking about Singapore. Buying a property is likely an asset to hold or increase in value. If you are foreigner or no long-term plans, then rent.

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Otherwise, squeezing out that downpayment cash will give you long-term stability, wealth building and predictable monthly mortgage.

Buy

Buy a BTO that is within your budget. Renting is bad as you are just paying off someone's mortgage.

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Renting makes sense if you need to stay at a specific location for a short duration due to various reasons.