Hi guy,

I am wondering whether my gf and i are ready to start a family and buy a house as our current situation is as below....

Income of 2 ppl: ~ 5 k
Rental plus utilities: 500 per month
Petrol + touch n go : 130
Phone: Using prepaid top up 10 per mth
Parent: 0 per month as still studying so parent said tak payah bagi
Makan: 700 per mth
Medical: 300 per mth (gf facial)

Ptptn hutang: 28k (repay around 2-2.5k) and gf free ptptn
Debt for car n house: non
Saving: ~ 150k

Hopefully after graduation (estimated to be mid of nx year) can double the current salary.

Do u think we are ready to buy a house around 300-400k?

If I come out to work next year, should I work for 3 years first before get a house or buy a house after work for half year. I believe that we will be able to accumulate 6k + 6k ＝ 12 k per mth. With 12k how much loan I will be able to get from bank for 300 to 400k property?

Bro not ang pow money la.....it is from scholarship and the living cost is extremely low for this ulu ulu place
sumore we still haven't started to gif money to our parents so we are able to save more

Bro, seriously u feel that I'm boosting?
We are now 27+ d, with total income of 5k we won't be able to save 150k? But our expenses are considered extremely low.
How much saving u expect from two person with total 5k of salary?