Hi guys, I am quite aware that I am aging, I have target myself in these 3-4 yrs time to get a house. I would like to know how should I start to save before getting a house?  Budget will be RM 200k. Can you guys help me on this? I really appreciate it.

hmm ... what I am concern now is I am afraid I unable to make it on time when I reach my target, my expenses has been high due to :-

a) car loan & petrol
b) ptpn loan
c) laptop

I am staying outside alone and earning around 3k. My expenses has been greatly touched around RM 2.5k per month for miscelleanous stuff.

I believe at that time I reached, I managed to clear 1/2 of my loan(debts). Should be fine isnt it ?

apart of downpayment and all those legal and admin fee, you will need a fix repayment every month until you have paid what you have borrowed.

lets say you get a mortgage of rm200k, and repayment period is for 15-20 years, you will need to pay approx. rm1.7k every month. that means, you will need extra rm1.7k from your salary just for the repayment, and failure to pay that amount of money monthly will cause your house to be repossessed.

gen-x, thanks for your advice, I guess it's better for me to consult them to get more info. Getting a home need a very huge $$$ .. haiz, until tua also cant get ...