@patrickyeo21,
Save the way u've been saving; and start looking out for something u like in the property market

@patrickyeo21,
In that case, U should think of ways to save before u even think of getting a house.

@patrickyeo21,
Yes u may withdraw from your EPF to make that house purchase. To buy a house, u also need to consider the loan repayment to the bank. Having saved enough for the downpayment may not mean u can afford the house.

@Dreamer,
Perhaps TS has something to mortage to the bank?

@patrickyeo21,
There are plenty forumers here who's got houses/properties even before they reach the age 30 so what u said is really not entirely true.

As to taking a loan together with ur gf... well, i don't think that's too advisable - there's just too much hassle when the both of u break off. In fact, don't even think about sharing a house until u both are really married! The issues can be overwhelming.

@youngkies,
dreamer101 is right on the 33% rule. In order for the bank to give u the approval of a RM1.7k repayment loan per month, u would need to earn roughly 1.7k x 3 = RM5100 p/month before the bank would consider ur application.

Perhaps if income is slightly below RM5100 p/month the bank might still consider but this theory of 33% is about right.