I'm not an Accountant lah .. failed in Maths too, ha ha ha
i didn't have any future planning when i had the intention in buying a house, i just tot to myself that i need to have an asset by the age of 25, so 'chun-chun', IOI came out with a project in Klang (my hometown, 15 mins from where i was staying in Shah Alam) and when i saw the price of RM125k, I was quite doubt on the land & location.
I drove down to the place by myself and found out that it's an ex-palm oil estate land, so not so bad and this place is very near to where most of my relatives are staying .. so, happy with the price and place, so bought it loh .. house is not big, about 1500sqft, but it's good enough for a small family. My parents wanted to get another house, also at my housing estate .. before knowing that I have to come to Singapore, I suggested to them to move into my house instead of using their money to get another house .. 15 years loan cost me about RM710.20 monthly ..
I don't have the regret of getting a bigger house as after got this one, then only i know that not only bigger house=bigger monthly installment but insurance also expensive, lawyer fee also more expensive, more raw materials involved for renovation .. ok ok, be thankful with what i have ..