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The missing figure is your monthly essential spending after the purchase. Also, does the S$52,260 already account for the first mortgage payment, insurance premium, any applicable service charges and the insurance excess? Those can materially change what is actually available for repairs.

Would you regret losing the best-fitting property over a discount suggested mainly by 112 days? If yes, bid from comparable value. If no, a lower offer with a clear expiry may test motivation, subject to local advice on wording.

Seventy-nine days tells you the apartment has not sold, but it does not reveal whether the seller is motivated. My concern is that 9% will appear unsupported when completed comparables are scarce. Ask the agent which term matters most to the seller—completion timing, vacant possession...

The portability details create another question: does the lender merely allow a transfer in principle, or would the replacement property and affordability be assessed again? If fresh approval is required, I would assign portability little value in the comparison. For a two-year fix, the...

What loan amount and loan-to-value tier does the 3.62% actually apply to? The PHP 17,400,000 purchase price alone is not enough to compare offers. Also ask whether the arrangement fee is paid in cash or added to the loan, as adding it changes both the balance and interest cost.

The response is due tomorrow, so the uncomfortable choice is whether to act quickly or risk paying more than the evidence supports. The Sydney mixed-use building is listed at A$1,360,000, has been on the market for 13 days and needs updating. Similar asking prices are easy to find; useful...