| hi david , thnx for such a great insight, but my situation is different , i am doing a small business with my capital {200k us.} without which my kinda business cant be done, i have profitablity around 2% monthly net after expenses {3000 rmb of which is rent } ,,,so i want to put my half years income as down ,{thus not decreasing on capital} and then continue as i am now just that this 3000 rmb now i pay to bank will be adding to equity, ireally dont bother if it increase in price ,just the price should not fall :),,i will save money even if it remains stable..about another 200,000 rmb its not problem for me as in my home country i have more biggeer business and have lot of equity there,,,,but down side is today i called an agent and asked if they have any small property {arnd60 sq mtrs}in price range of 10000 rmb,,he quickly said "forget it " and hung the phone ,,,so i am in such a fix ,,i know my plan can work i just cant find where to look for apartment |