Hi guys , Let's say i have a 600k property loan at 4.85% interest rate.
I heard from tiktok those gurus stating that the first 10 years we actually pay a lot of interest.

let's say i have a 10k extra, and i i put inside this semi flexi loan to reduce loan capital.
that will reduce the interest i pay correct ?

and after 10 years, i take out this 10k , my loan principal will go up by 10k again, does that mean
i will never save anything?
sorry, im quite bad at these type of calculatiion

38 years old, married with 1 kid (2 years old), wife not working
Office in Penang, stay with parent in mainland.
Take home salary of 6K (gross 7K+), working in IT field
3K monthly expenses, 3K disposable income

310K in savings (liquid)
260K in EPF

No other loan at the moment, just finished my 7-year car loan this year.

Have other assets (bigger value than my savings & EPF) but those are inheritances so I don't think it's relevance in this case.

I'm looking to buy a house for stay.

How much do I qualify for home loan, approximately?
depends also on how much down payment do you want to put in or how much loan do you want to borrow?
What is the price range I should be looking for?
Depends on also how much you want to borrow. There are many online calculators that can roughly project the loan repayment amount with your loan amount
What is the best strategy for payment, like how much DP should I put etc?
depends also on how well you can get returns more than the house loan rate with your available cash, how much "enjoyment" do you want to feel with having lesser loan amount, etc etc.
Some people can get more returns with their available cash than the loan rate, thus they get max loan with max duration.  Some feel happy to hv lesser commitment, thus they prefer to pay more deposit and get the least loan amount with the least duration.

Opinions are welcomed.
Thanks

Yea you make a good argument.

I don't want to use all my savings for a house.
Better to left some & let it grow.

I guess my main dilemma now is what kind of price range I should look at & the payment strategy.

well said   

often some older generations ppl can't figure out this correctly.

they save every penny and live miserably.
eventually when the time comes, we can't bring any cent with us anyway

Thats what I thought too, but I asked my agent he said no.
I tried to reach out to Maybank regarding this and banker also said Maybank dont offer anymore.