Me!!!! Half of the houses are for own use eventually. Lots here too like Crystal, etc
Yes you can bypass her but if your name is in the property then you will still be subjected to the levy, etc.
Concentrate on getting the house first, its freehold, you can slowly renovate after that, get the important things like grilles, aircon, wiring, lighting, kitchen done first.Then just slowly add on once you are ready. If you are buying a 300k house then using her name to get a loan means if you get the right development, you might not have to pay much if at all as they allow waiver of the 10% for downpayment for first timers, then yes simple renovation, should be enough.
Thank you Mod.
But any areas near 2nd link where houses are below RM500K?
I am not as rich as you brothers here.