Recently I have been approved personal loan of RM27K. Initially I applied to settle off my PTPTPN black***t. But now I'm thinking of buying a property first, rent it out & use the rental money to pay for house instalment + ptptn bit by bit. But since I have never buy a property before, I'm afraid of ending up choosing the wrong property & end up in mess. Please all property expert here give me some advice in choosing a property. My preference is Ampang (Selangor) area, near LRT/public transport, near amenities, preferably below RM200K (condo) and size 900sf up. Prefer the monthly instalment to be below RM900. Moreover, I notice most of the properties in the advertisements are way too high than they're suppose to be. How can I negotiate on this prices? Can someone also enlighten me regarding the new 'My First Home' scheme launched by the government?