50% of your salary will do since properties price will always hike and un like other stuff which will price drop after purchase.

which "Naive" you mean ? i seen almost all the properties are hiking or slow hiking, never see anything like property price droping.
BTW, TS asking how much to put for house loan only rite ?
and you suppose to answer TS thread and question, or else just say duno. lol

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Added on August 13, 2012, 4:23 pmfew month ago i got salary like you and i able to take 400k loan + 10% downpayment
but it will be 40 years repayment + i am using around 60% + car loan of my total income.
the difference thing is i am going to rent out the whole unit >.< so if you plan to stay your self, 1.5k + rental for a room , u see you can survive with the remaining $$ ? if yes then you can go for it but before that just carefully calculate all your expenses and see how much you left. remember there are still MRTA and elect + water bill etc etc

This post has been edited by FishnChipx: Aug 13 2012, 04:24 PM

the property price when i purchase was 440k, then take 90% loan, downpayment + lawyer fees is around total 50k + -
so, if let say there is problem where the bank rules not allow you to loan so much, you can try to take the loan with join name account, example with one of your parents, spouse etc and see how banker's advice ^^ anyway, i loan 404k total and 40 years repayment, permonth is around 1.7k already.. lol

no problem, just feel glad that my 2 cents can help
but for more accurate, you can just sit down with baankers and they will advice you how to get the loan.

btw, ofcourse you also need to study abit where you going to buy your property, study abit about the location, developer, price etc, then if you have confidence on the property you going to purchase already, then try to ask few banker from difference bank to talk about your problem and loan, they will assist you. But not all bank are 100% able to approve the loan, so u can go one round with few banks and see which bank approve your loan and their package is all slightly difference, so choose wisely.

but still, the fact is that malaysia property are hiking, maybe it will drop but let wait malaysia is as advance as US those big country 1st XD

why you say so ? hmm, mind to share / explain abit about your comment so we can learn somthing new ?