Using personal loan to settle PTPTN
-No, PTPTN interest 1% while personal loan 8 to 12%, why pay more =.="

Using personal loan to buy property
-No, you will end up with more debt very easy as you have not much experience with property. Personal loan installment + mortgage loan installment + PTPTN = how much of your salary? If your income is ok, why not save up more and buy property with cash for deposit. It's not easy to get a good return rental from property with RM200k+-. (If you really found it, then go for it. If not, better don't)

My first home scheme, I think you are not entitle to get it as your salary should be more then RM3000 (since you get RM27k of personal loan)

My 2 cents.

give the lady a break, u all sound like radio advertisement 
now, ts, indulge to electrify urself, make it sexy! then rich guys come knocking on ur door  
after tat, semuanya ok

That doesn't sound very constructive 

invest in oneself, go taiwan/ s.korea, do plastic surgery & look like kim kardashian
then go pavillion, buy all those branded stuffs, go the sultan lounge & wear super low cut
when anyone ask anything, jus say, your room or mine?
p/s those anti materilistic forumers gonna flame me  okok, its just a suggestion & no need take it up