Grad last year with insead mba, in associate program of 2nd tier bank, base is 105k, bonus expected 80k.
Gf still in nie training to be music teacher, receving mininal allowance.
Current combined still qualify to buy bto as bonus are not factored in, but coming next year, gf is graduating to be fully qualified teacher with base 32k.

Should i buy BTO flat now with gf or buy private in 3 yrs while living with parents? Expected to reach vp in 3 year - base around 220k according to seniors
Age is 30. Gf 26. Looking to start family soon.
Senior, pls advise