yup... dun think too optimistic that you can rent out in the 1st month after getting the apartment.. need to be ready if the unit cannot be rented out for 2 months in a year (just to be cautious).

If you decide to commit the loan on your own (excluding your spouse), 1st I guess you hav to get thru the bank 1st for approval..

Assuming 30yr tenure monthly installment is RM560

Just a rule of thumb, your car loan + RM560 must be 40% or less of your salary (depending on banks also).. if your car loan installment not more than RM400, den should be ok..

Upon renting out, I guess you will still need to top up bcos the rental collected is not enough to cover installemnt and maintenence fee (assume annual installment + maintenence fee + Assessment = (RM560x12) + (RM130x12) + RM200).. Monthly commitment is RM706.66 and if rental is RM600, den you still hav to top up RM106.66 everymonth.. i havent factor in agent.. if you engage agent, you need to pay the agent 1 month rental for commision..

I am just to share, but you hav to do the judgement .. everyone has their 1st time just like you and i guess everyone is willing to help and share their experience to make u a successful landlord

I think you just randomly, call up a bank and check with them will be the most accurate one.. good luck