My "raw" total loan after 10% or 20% downpayment is about 1.2mil. Estimated ~6.5k/mo payment to banks. Of course my salary is not 6.5k divide by 0.3 = 21k. VERY far below that, LOL. It's not done in one shot. I started in 2004 with a 2-storey Kajang terrrace for 190k and slowly added sub-200k apartments over the years. I'd say up until 2008, property prices were "affordable".

Rules changed over the years. Now 30% income rule? Or some other %? Maybe dulu2 it was 70%? I can't remember details. Of course banks won't suddenly cancel your existing loan when new rules come in. As long as you can pay.

What else .. hmm .. yes, later purchases needed to be supported by stamped tenancy agreement which I have a few (luckily). Also showed some money in my ASB. I don't play stock market. Used to. I always pay all credit card bills to zero everything although dulu2 I did struggle with credit cards. I think my CCRIS is quite clean, I dunno.