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A credit is usually more useful for preserving cash to do the work, whereas a price reduction may only reduce your loan and payments rather than hand you S$81,740 at completion. But the lender may restrict or reject the credit, so get both structures modelled in writing. Also compare the agreed...

Be careful with the larger-repair reserve if major items are already due. A reserve is suitable for uncertain future wear; a visible near-term replacement should be treated as an expected cash outlay. Air-conditioning condition, appliances, waterproofing and corrosion are worth inspecting closely.

A viewing still makes sense, but at S$7,286 per month I would want the recurring costs outlined beforehand. A useful response from the owner would separate rent, included charges, utilities and tenant-paid maintenance, then state the earliest possible move-in date. That lets people decide...

The specific area within Singapore is the biggest missing detail for me. “Country home” suggests a particular setting, but transport time can change the practical value considerably. Is public transport nearby, and are utilities billed directly to the tenant or passed through by the landlord?

I would postpone mortgage comparisons unless the exercise involves a specific buyer profile. Financing assumptions can distract from the property comparison. First build a simple property sheet: advertised price, completed price, dates, condition, likely renovation scope and every...