Such big risk...     Thanks man. I guess I'll just need to find ways to increase my income and reduce my current debt then only consider buying a property again.

The property is so appealing though, shorter distance to work, with central park that suits my lifestyle and dog friendly.   

Tropicana Metropark. I been to their park. 

Hahah I think we are getting out of topic, 900++ sqft. Can't rmb the exact number.

But from his postings... He wanted a unit with marked up price. So that he could spend the extra price variance

Greetings folks, just looking for your prospect and insights.

Here's a few details :

I'm aged 28 currently and working in retail.

Gross salary RM 4,000- RM 8,000
Its pretty random as its basics with commission and allowance.

Monthly expenses (Food, groceries, work related etc) RM 800
Parent RM 300
Rental RM 250
Car loan (Share with siblings) RM250
Insurance RM 210
Phone RM 50
Internet RM 100
Electric RM 100
PTPTN Loan RM 230 monthly (Left RM 17,000 more)
ASNB I max up to RM 200,000 (RM1,000 per month I paid) roughly. Been paying for 2 years already

Above are my total expenses.

As for my saving, I managed to save up to RM 184,000 in a saving account

also cash on hand RM 25,000

as for EPF : RM 70,000- RM 80,000

Just wondering should I park all my saving maybe RM 150,000 into my sibling ASB? with the dividend I receive per year, I can use it to pay for property if I'm looking for one within this 1-2 years? I personally think I can save RM 50,000 or more so that I can pay for 10% for property. What are your thoughts or move? Your advice highly appreciated.

Never thought I could save this much, I just took the ASB loan just for force saving by monthly cut off. Consistently save 3-4k sometimes 5 per month in saving account, now I'm kinda puzzle by what should I do with this fund. Do you think its a good idea by putting all fund in ASB, and use the dividend to pay for property monthly? I'm looking forward to buy property but need a lot of homework and considerations. Also I need to find at least 10-15% down payment to make this happen. Thats why I'm looking any advice from any sifu here

Yeah, the side income still need to be declared, if not cant buy house 

His monthly expenses is 5k
So keeping 25k (around 5 month of commitment + expenses) with him seems like a wise idea.

On a side note. The 25k can be kept in a high interest saving account like sc privilege$aver or ocbc 360.