Yes Dreamer, you have a valid point. But i think, i can cut down my cost a do wat it takes to accomodate a home loan. There may be some other variable cost such as food and entertainment spending which i'm looking to cut. Anyway, IMHO, i may not be as experience as all you guys but i think sometimes we need to take risk and i believe this is the right time for me. I can't wait till i have my own family then only i start to take risk. Besides i don't see myself stucked in the same salary cap for too long. Btw, thanks for the advice