pai had a legit question which you need to consider.
Or if you don't want to consider that, do you have any savings at all for starters?
Can you survive or not for the next 30 years after you get the loan?
It's either you survive or you suffer because of this commitment.
Honestly since you're in this section, I guess no sane guy would agree that RM5k is a sound downpayment; especially when you're buying it for own stay.

Those who knows my opinion would already knew that my opinion on buying property for own stay is to be considered a liability where money goes out and not inwards.

Not entirely true.
FD usually one keeps for short period of time, however properties tends to be kept for a more longer period of time unless we're talking about "flipping" techniques. Than again considering the amount of money one needs to put in for the upkeep of the property (if it's not rented out), one could have an illusion that it's profitable because haven't include the amount of money spent vs amount of money received back.

The problem with subprime is because everyone has the mentality that property prices would always appreciate. The banks sees little risk in it thus when the bubble pops - bye bye.

But a lot of times the "sales" oftenly promise the sky and moon. That is the kind of sales to avoid.
Anyway, I guess we've gave enough advice. It depends on TS to consider and think through his plan.
We're just a bunch of nosy ppl throwing all kinds of ideas and thoughts for him to analyse himself....

Btw, still stand firm on that minimal information provided by TS here; it's still not the time for him to venture out. Maybe get a lower end property like suggested by suiteng.