yup i agree with phoeni_142... many people talk as if they know everything but there is a lot to learn and not everything is the same as what they believe.. Im sure u can afford a 200k house without needing to earn 4k+ altho 4k+ is a safe figure to get a 200k house.. the downpayment u pay also plays a role in the loan u can take...if u pay higher downpayment hence u loan less and can afford a 200k house... 200k house doesnt mean u need to loan 200k.. just sharing my opinion..

200k house is just a flat or cheap apartment...cant really get any house with 200k in penang nowadays...all cost around 350k and above... and ppl in pg still earning peanuts so i think its affordable for 200k house with salary lesss 4k..maybe 3k+