No one has a crystal ball to tell your the future. Years ago, people say prices will drop, then the opposite happened. If you can afford it, buy and live in it. If it is for rental investment, don't take the risk.
1) How many % do you have to borrow. Say prices drop 30% and interest rises by 2%, can you still afford the interest payment?
2)Are u young or old. I think the bank will not lend to people too old as there is no income after retirement or they lend for fewer years. So borrow while you are still young if you have a stable job and get the full 25 years.
3) If you live in it, don't look at the price after you buy..cause you will not sell even if you gain 1 million or lose 1 million. It is just a game of numbers.
A permanent home is priceless. If you have a positive attitude, who cares if it drops or rises in the short run, you never have to move every one or two years and can decorate anyway you like. Your children will have a stable environment to grow up in. If you look long term, you will not lose if it is your home.
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