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?