i need suggestion, currently im planning to buy house and car..

house = 135k
car = my target below 30k only (used car only)

current salary = 4k after deduct epf, work in government, and just started working around 1 and half year

insurance = 200
bill (electric, water, internet) = around 300
motorcycle = 150 (for my brother used)
saving = at least 1.5 k/ month
no credit card

current saving around 6k (coz too boros awal2 kerja, now dah regret)

so my planning is too borrow 40k PL and buy cash 1 car and baki make deposit for rumah

the reason 1 want to buy house early is the price keep increasing, 2 years later only 150k for corner lot, now 200k ++