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Keeping appreciation at zero is sensible for a purchase decision model, but distinguish that model from the estimate of current market value. The first tests whether today’s price works under conservative assumptions; the second asks what similar buyers are paying now.

One caveat to “no structural extension”: are any internal walls being removed, door openings altered, or heavy equipment relocated? Those actions can still trigger structural questions even though the footprint stays unchanged. If none of that is happening, say so explicitly in the contractor...

Ask bidders to state exactly what “electrical checks” means. Does their price cover testing only, minor repairs, replacement of damaged wiring, distribution-board work, additional outlets, and making good afterward? Do the same for plumbing: where are the isolation points, drains and concealed...

I partly disagree that the price-to-buffer ratio settles it. Someone with low monthly spending and strong surplus income may be safer with $39,000 than someone holding more cash but barely covering the mortgage and service charges. Make three lists from the inspection: safety or water-related...

I would avoid anchoring too heavily on the per-square-metre calculation at this stage. The title documents should first be checked for consistency with the advertised apartment and area. Parking also needs a precise answer: whether a space is included, and whether its status is reflected in the...