Short answer：Deposits, renovation funds and bonuses remain household resources even when held separately. Add all commitments before buying so individually affordable items do not collectively exhaust reserves.
Build one funding statement
Deduct deposit, taxes, legal fees, moving, renovation and near-term living needs from accessible cash. Treat unconfirmed bonuses or sale proceeds as scenarios. A tenant deposit is not freely spendable landlord income.
Read the rebate conditions
Developer incentives and bank rebates do not replace scrutiny of price and loan terms. Compare net cost, payment timing and clawbacks, and test whether completion remains possible without the incentive.
Before deciding
- Add all one-off spending
- Mark money not yet received separately
- Set a minimum post-completion cash reserve
Sources and method
Sources support the specific rules described. Checklists and hypothetical calculations are editorial explanations, not measured market results or individual approvals.
Revision：Removed unsupported experience, case outcomes and statistics; corrected the topic-specific rules and limitations described above.
Scope：General information only, not personalised legal, tax, immigration, admissions or investment advice.