I bought a house with installment payment as much as I pay for rent when I was bachelor. That was my limit. A small apartment, now I rent it out as I bought another house. So profit goes to my new house. Only pay half the installment of the new house. Not really scared for the house as if bad time come I just need to apply KWSP account 2 to cover the house. As far as I check long ago, should be enough to cover nearing to 5 years of installment.