My suggestion is you still young and able to take up the house loan up to 30 years. When you reach 40, it’s getting harder to get longer loan period unless you are financially sound. Just spend 30% on your income to secure a house for yourself. Don’t be like me taking risk, I spent almost 80% on housing and highly depending on rental income to sustain. FYI, I’m late to 20s. My debt for two houses nearly 500k (my portion) and I had invested 200k on properties (life is not so interesting compared to others)?