I think it's getting worse and worse,the more I ask, DRLurve.
I understand what you mean.

I think I really better consider living in poorer countries such as Indonesia..

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Added on February 25, 2009, 8:21 pm

For own stay.
Everyone in life, has to settle down one day together with their future wife, and this is one of them I am planning now.

At least I want something reasonable, I think if the bank doesn't approve the loan based on my salary for a RM 150K, you are probably right, I should go down, less than RM 100K, to a "Low-cost flat"

1.  IMHO - Absolutely not! U do not need 30K to buy a 150K apartment.

1.  I am in banking.  Reluctant to lend - yes......Hard to get 90% MOF? it depends......Impossible......certainly NOT.  Maybe my 10 years in banking are not very relevant.  Would u be so kind to elaborate the different criterias involved? I'm going to love your answer......Please do share.......I would love to learn more about your credit knowledge.  Please do tell me about all the different scoring methodologies and risk policies too.     

2.  And so what if it's for his own stay? The whole point is that u don't have to take out 10% or more.  Sheesh.

And why are u such a naysayer? Hmnnn.......interesting........never used emoticons like this before.

What constructive advice do u have to offer?

Erm.....U can't do that.......low on priorities.....blah blah blah

So - what concrete solution do u have to offer to his problem of not having enough money to have a downpayment?

I am not worked up over this......

I'm used to people like u.  Not much substance, yet saying something for the sake of saying something.  Go ahead and post smart alec replies.  I bet it makes u feel good.