mine can offset 100%. Took the loan in year 2012. New rules I dunno ...back then can put 100%
PBB didnt make any money from me, just progressive interest lol. 

unker always advise younger kolik upon their asking, stop focusing on how much you want to spend on renovate your house nicer, instead focus how to cut down on unnecessary renovation and increase your down payment or how to grow income with those.

All those young kids rileks je spending more then 100k cash on this sort of things.

In the end, you a grown adult, your own money, no need other people to tell you how to spend them.

bad design (kitchen at living room)...

Singapore HDB is much more practical and solid tho.

uncle think government should propose TAMAN development instead of condo.....condo is really not suitable for Malaysian