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Having your down payment saved feels like the finish line. It is actually the starting line. The bank does not approve your loan because you saved. It looks at how much of your salary already goes to repayments, and whether a new instalment fits on top. And the cash you need on signing day is more than the down payment alone. Which of these have you actually worked out? Comment TOOL and I'll send you the free calculators. [first home Malaysia] [home budget] [DSR] [first-time buyer KL]