me 28yo single cant manage stress so i always save money for bad times。。。

i plan to buy house max rm300k 2 years later and wanna settle house loan within 10years。borrow 200k
Dp100k instalment 2k per month assume interest rate 4%.

salary after deductions 3.5k
manage to save 1k per month
now got 50k fd + share ut around 80k

currently rent room rm350, 2 years later car loan will fully settled so will extra 500 per month， continue my current lifestyle that make me save 1k,850 if i stop renting and stay own house， 2 yrs later i will have at least 1.8k per month. Plus increment n promotion i think 2 years later is workable...

Is my plan stupid?

No i in ulu place ... I cannot sleep when i have big loan...maybe due to my childhood when my fata owe ppl money and we suffered for that quite a long time...