Quite a good threat, let's me share my story, ayam just signed snp last week for an apmt for 170K developed by SPSetia, around loan approval processing my salary is just 2.6 k gross and 2k nett, luckily I managed to get loan for tenure 35 years monthly rm665, buying property isvery messy, based on experienced is 1st u need to choose good developer and location, thats the first bank consideration to approve ur loan for new property, 2nd need to be ready a good fianancial plan, u need have atleast 20% for dowpayment + legal fee, do prepare 10%, but need to consider the MRTA- home loan insurance, some bank will provide good interest based on MRTA u take from them, that's just my 2 cent