1. buy what you can afford. never go out of your capability. Of cos once you have commitment on loan, you gotta cut your expense somewhere else to balance out. If you gonna get into housing loan and end up no savings, I'd suggest you work on your income 1st.

2. unlike other countries, depend on your job nature, but most of your job opportunities will gonna be around klang valley. and sadly, property price for these areas are already flipped multiple times. job distance is definitely something to consider, but you can't assume you will never change your job location for the rest of your life.

3. rent house is not a bad thing. just rmbr you are paying someone for their investment. they are happier if you never ever buy your own property.