Hi, I am looking to purchase a condo in Selangor area.

Purchase Price: RM 450,000 - 500,000 depending on nego
Downpayment: Ard 10% or more depending on loan amount

Current Age: 25
Gross Income: 4900
Nett Income: Ard 4100 after tax
Commitment: None (no car loan, no personal loan)

1. What is the normal tenure that I can get? I am aware max is 35 years, but I do know some banks do not give full tenure.

2. Also, what is the normal nett income to commitment ratio your bank allows?

Please offer me your package with details.

Thank you very much.