simple, work for the money dont put down money because someone else it putting down on it. the logic was never not to dont buy a house, but buy only when needed and can afford. if you got 1m in the banka nd want to buy a RM500k hosue sure

trust me, mortgage loan is damn easy process time probably 1 week i dont expect more. once your income match, can pay fee and the housing price ok. banks will approve and they are not dumbasses, your loan is pledged by a security which is your house. you wont own the house untill full settlement of the loan, this can be a touchy area that most people dont understand.

well no, those cases of high gearing mentality ala robert whatever guy is a sure fine way for disaster. you will get the short time, but unless you live only 10 years, then yea.