Dear All Finance Adviser,

I'm about to getting my first house, the value of the property is RM700k, landed terrace house located in Taman OUG, KL.

My parent will be funding me for the downpayment 10%, so i will load up to 90% and 30 years (or more?).

My monthly income is RM4k, and i still paying my car load RM700 per month, but left only RM13k to pay off.

I do have other income like annual bonus and monthly claims, allowance.

My EPF account 2 now is RM17,935.01, and can i use it to top up as downpayment? or any option?

i know that my income probably not eligible to get house for this, but any option? or like join name or what?

If you have any advise or package please PM me for more info.