not enough information to work on it.. firstly, is the wife
working? Working but no CPF still can contribute to housing loan.
Does the guy have CPF ? If got not so bad, go for smaller flat or
even HDB rental ( very cheap provided you qualify). Socially, don't
see an issue when you move into HDB flat. Most people do not mind
and will even help out .. afterall, they know that the foreigner
may not be accustom to our culture .. of course there are those who
simple hate FT for certain reason .. so suay suay got this type of
people as neighbour then good luck lor ...