I always face problems or rather issues come to me with positive attitude. Every issue solved is actually a lesson learned. The more problems solved, the better we are and the more creative is our problem solving skills.
For housing loan for example, if your limit is up, you may want to use your spouse name to apply. You may also want to consider MBSB which is more costly but you goal is to get financing. You may also want to consider personal loan, borrow from your life insurance's cash value, sell or pledge your asset such as share and property with much higher market value, refinance existing property, and last but not least, use you credit card for cash advance (not recommended). For investment, there is a will, there is a way to get a loan.
When you purchase a condominium especially for 3 bed rooms and above, make sure the unit comes with 2 car park as it will affect the valuation of the unit as well as the selling price when you want to sell it later. The reason is that it is very likely that both husband and wife own a car each and thus the unit will not be attractive if the unit comes with only 1 car park.
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