150k head you mean downpayment?

normally you only need to pay 20% and get a 80% loan.

i.e. if your budget house is 450k,
20% = 90k

just pay up 90k,
keep the rest for maintanance and to furbish the house.
20 years old only? means your loan will be around 30 years and montly installment will be quite reasonable.
8000 per month salary? wow, may I know what you work as? Or is it you work in Singapore?

That means you were below 20 y/o and your income is so high ?

u think no other commitment meh?
minus epf, income tax, then food, petrol, car loan, car maintenance, own savings, get gf and some spending there, own personal spending once a while.
to be comfortable, 450K property should be ok for 8k income earner. buy what u can afford and dont be slave to loans.

wow.. 20 years old by then )
rich
it is alwiz good to plan ahead ... got mine around 10 K salary previously but aiks... all gone nowhere lolz...

worr.. 20 years with rm8k per mth work at ireland,.

I believe in two years time 300k++ house in Penang/Ipoh should be sufficient for 3 rooms and 2 bathrooms. Makan also cheap there.
I would recommend housing areas near Jusco and Pengkalan Tesco in Ipoh.

may i know which line u doing? mind to share? might help me or anybody here to improve their quality of life.

do u have payslips overseas and bank statements or else cant get loan wo..

For penang, times square is way too congested with no view and in the middle of the city. Even the mall is like half dead. If you like convenience, in an older neighbourhood, then you will like times square. Near to all the hawkers and pasar if you know what i mean. 

For me if I am buying a nice luxury condo in Penang, the area I am eyeing with good  future development will be around Queensbay area. Got a nice big mall and hypermarket nearby. Lots of landed shops and commercial activity, your standard kopitiams and up-standard restaurants. The entire area is just well planned out. Plus you get a nice view of the Penang bridge, the sea (strai of penang) and pulau Jerejak which is now a upcoming vacation centre. If you like sailing, there is a marina nearby as well. For rental the area is very very near the free trade zone, where most expats works. 

since u r young and having a decent income, u may want to consider going into the property market earlier...

the $ you keep in bank may not grow much, if u can get a tenanted Property that generate rental income, no harm taking risk... imho.

RM450K, u may get a studio unit in PArkview, opposite KLCC, of course.. do make ur own research on any property u r interested in before get committed.