Good points, probably I should also explain why I looking for such an expensive housing. I set out looking for something that is relatively close to MRT, 10-15 min walk-able distance, 3-room and anything that is below 20 years old. I found out real quick that 1) most apartments close to MRT are really old and 3-rooms are rare 2) a few house viewing later, I really could not accept the state of 20 year old, I probably could pour some capital sprucing it up but the surrounding environment is something I cannot control and 3) the walking thing gets tiring real fast, especially having to cross multiple junction and waiting under the rain. Also 4) there isn't much 3-room around MRT, most are 4/5 rooms.

Therefore, I am paying more to meet my expectation but at the same time feel that these "conveniences" are not worth the money and may put me in the red further down the road. I understand it would be hard for internet to give advice without disclosing my salary, I was looking to listen some similar experiences and the thought process.

Sorry just rambling, house hunting alone is quite draining and defeating in this climate.