Before you take that expensive bank loan to finance your off-plan apartment, consider this: 1. If you are looking for passive cash flow from the apartment, what's the rental yield and how does it compare with other passive income options? 2. Is the decision driven by sound financial analysis or are you buying just because your friend is buying and it feels good owning one? 3. Does the expected return i.e. capital gains + rental yield exceed the interest rate on your loan? 4. What does it add to your portfolio that already has land and other apartments?