All these speculation is fueled by low interest loans coming from china, us, singapore n others.

Our blr rates are tagged together with us federal reserve central banks.

So if federal reserve taper n increase interest rates, I will see how many people can sustain loan payments.

Another factor is our last economy will be slowing down a lot due to these factors, inflation, depreciation of ringgit, slow international markets, HIGH national debt and personal debts, rising cost of living.

We are heading for an economy crisis in my opinion.
All these growth comes from bank loan n u need to pay them. House price has doubled in less than 6 years.

A lot of big players already keeping cash

no ah. but all central bank follow US one.....
all this is caused by central bank

to sum it up,

good growth = ( low interest rates ) x ( monetary supply )

when BNM increased the minimum downpayment for house, they are tightening, or decreasing money supply.
reduce credit card limit is also a form of tightening

yes true....however a lot of people forgotten the asian financial crisis during 1998.
when people lose jobs, how can they pay for their instalment ?

how many months of saving they have kept for bad months ?