Dear,

1. With both net income RM6500, debt car Rm500. to get loan for RM598,000 property wouldn't be a problem. However, I need to look through you CCRIS, CTOS and income documents first.

2. I would advice you to put standard 10% downpayment for the housing property, and put the remaining (RM150,000-RM59,800)=RM90,200 into capital loan account instead of paying off right away. Your RM90,200 in capital account, you can reduce the interest same as you put RM150,000 to pay off your property. Moreover, you will be able to access you RM90,200 during emergency.

3. Loan 90% RM598,000 = RM538,200 /4.5%/35 years. Installment will be around RM2547/MONTH

4. Loan RM448,000 (Pay RM150K off) 4.5%/ 35years. Installment will be around RM2120/MONTH

5. Other charges include, legal loan fees, legal SPA fees, stamp duty loan fees, stamp duty spa fees. Total will be estimation range of RM20-30K.
If you need my service or help, don't be shy to contact me.