Wow, interesting story, i crawl through this 7 pages thread + kopitiam's 13 pages on TS's story.

Btw, hioniq, mind to share what's ur actual plan for now? Studio only selling for RM330K on iproperty, with negotiation probably down to 300K.
And rental seems unfavourable and u don't want to manage tenants

Kopitiam that post already off-topic discussion, so i ask & kepoh here.

Well, seems MCO did not affect ur job, so u r able to continue to pay for the next 10 20 30 years. Keep it up.

Anyway, if u have children, it wont be a good choice for own use too