I would suggest that it's rather too early to dream of getting a house or atleast a decent one.

Will suggest you to earn a higher income first unless you don't mind to buy a 100k - 120k range property

Yeap, low cost flat.

Single storey terrace is impossible unless it's really run down

Depending on type of land. Usually CIMB, OCBC, UOB able to finance residential land + construction loan. Construction loan will require a reputable developer/contractor with floor plan of building and quotation from contractor. Then, bank will disburse progressive billing, just like under construction. Before bank disburse each billing, they will require banker to conduct site visit.
If you dont mind you may consider below 200k property. Then learn how to gain passive income starts from rent. From there you will slowly gain your wealth and uplift your status. Just my personal opinion.

Big dream starts from small     

You may consider into auction property if you're looking for a property with a low budget

Try not to get car loan or credit card, hold your desire until you get a house first. House is an asset to generate passive income aka rental income. Use that tool wisely.

Yes this is correct. Getting a credit card and building a good credit ratings helps.

Yes get a credit card to build a loan profile, thereafter you can apply a housing loan without much problem.

Just make sure to treat your credit card like a debit card. Spend within your means

Always pay full, not the minimum. Otherwise you're serving the bank 18% interest

The bank will consider your total credit card outstanding 5% as part of your commitment. Which will impact your amount that you can loan with the bank

Credit card is a stepping stone for bank to analyse your payment behavior and utilization behavior. No harm to get a credit card at early age however you must know how to control your spending. 18% per annum interests. No kidding yo.
PBB, MBB, HLB, Standard Chartered Bank, RHB, CIMB. Rate in range of 4.25 % - 4.40%, subject to approval.

Always pay in full.
Wishing you all the best and great luck in your career path and life, and getting your first house soon!

You are still young and having a great pathway to work on, certainly you will get there in few years times friend.
You have a very pleasant personality (from the way you ask question and communicate) and good mindset, certainly you can make a great career.

Certainly you will succeed in life and career with the right mindset and attitude.     

265,500 Loan amount for 35 years at 4.6% interest is about 1272 monthly

Probably you can provide me the following info then I can assess for you

Age
Gross pay
Nett pay
Rental income
Asb
Bonus 2015 2016 2017

Commitment
House
Car
Personal loan
Credit card outstanding
Ptptn

Cheers

That depends on your age and your net income against your existing commitment and new commitment (refer to new housing loan installment)

Perhaps you could share info to simulate eligibility.
You can always look for normal life insurance to compensate the protection against mortgage. There's no restriction on that. Always remember that MRTA or MLTA is no compulsory but it is advisable to take for debts cancellation.
You can't convert contract from conventional term loan to full flexi loan. You need to refinance your property to another and accept other bank's full flexi loan.

Will need info below to simulate your loan eligiblity

1) Borrower info

Age
Occupation
No of borrower
Single/joint borrower
No of housing loan on hand

2) Income

A) Salary earner
Gross salary
Allowances
i) Fixed (average in 3 months)
ii) Variable (average in 6 months)
OT
Bonuses
i) Contractual (total amount in 1 year)
ii) Performance (total amount in 2 years)
Commission (average in 6 months)

B) Self employed
- Sole proprietor / partnerships / Sdn Bhd

6 months company bank statement(credited amount)
i)
ii)
iii)
iv)
v)
vi)

Income tax declaration
Net Profit/Loss shown in past 3 years audited report (optional)

3) monthly installment

Housing loan
Hire purchase
Personal loan
ASB loan
PTPTN loan
Credit card
Share margin
Other term loan
OD

4) supporting document

Rental
Savings
Fd
Asb dividend
Shares
others
This is technical part. Do remember that housing loan interest is on daily rests. If you wish to pay extra more every month, you may download this financial calculator on Google Play or Apple Store. Choose Mortgage/Housing loan calculator. From there you'll be able to simulate your initial package.

For instance,

Loan amount : RM 500,000
Interest : 4.55%/pa
Tenure : 35 years (equivalent to 420 months)

Monthly installment : RM 2,381.79 (equivalent to RM 2,382)
Total Interests : RM 500,351.80 (for 35 years interests)
Total Payment : RM 1,00,351.80

If let's say yoy are intend to put extra payment RM 300/month.

Interest savings :  RM 130,628.94
Pay off earlier by 95 months

Hence, your total repayment is RM 869,722.86 and loan tenure is 27 years.
Nope, bank outsource also using same assess your application. I have personal experience H*ng L*ong Bank outsource approved better rate than direct banker and turn around time is merely similar.

The reason why you should consult mortgage broker because we will analyze your profile and advise you which banks giving you high chances for approval (of course with best rate together).

Nowadays rate is in between 4.5% - 4.6%, subject to loan amount and scoring.

Nope, as bank will pay us commission base on the case acceptance.

Don't be deceived though that mortgage brokers are Magicians that can definitely get better rates or faster approval or have some special connections.

SPA = A
Loan = A + B

Can be done.

Yes，this is what we call 3rd party application.

Example :

SNP : A +B
Loan : A/B

or

SNP : A/B
Loan : A+B