So any Tom dick or Harry who earn rm 4.5k a month can afford the 1/3 debt burden rule imposed by bnmAs the more expensive it is harder to get loan especially 3rd prop onwards The winners will in the end be the developer, the banks who make interest, the gov who earn tax, the insurance company who insured ur home from fire or tpd, and the intermediaries such as real estate agents, lawyers, and value