Property prices may drop, but I do not think it will drop that fast. The consumers are more financially educated as compared to the last crisis, plus the interest rates are very low now...

A good measure of debts can help you in achieving your goals. However, an over dosage can produce nasty problems in the future...

If you are lagging behind in your housing loan payments due to some financial reasons, do not avoid the problem and call up your bank to negotiate the payment terms...

“Yes, you can save money by refinancing. However it is actually a waste of your money if you refinance too often, therefore it is always wise to have your personal mortgage consultant or broker to advise you, to prevent you against that...”

Do not always listen to rumors in the market. Learn to keep out all those noises so you can sniff out the good deals.

No analyst, investment banker, consultant or even a fortune teller will be able to tell you when prices have hit bottom. You can start buying now, so as not to miss the opportunity...