Property in Malaysia for sale and rent | Buy, Rent and sell real estate and homes

i have a join name housing loan with my sister. but the house is under her name alone. now i am planning to buy a house. is this my first house? can i entitle for the 100% loan announced under financial budget 2011?
let say my house cost me rm 100k. other than this 100k, is it possible for me to obtain rm 130k from the bank in which additional rm 30k is for renovation purpose.

This one looks like it requires clarity from financial institutions. This looks quite grayish.

no coz that house name ur sister u just join ur loan to bank approve for buy that house..then u can't get full loan if u want buy another house..

nope..that is not ur house,u r just the join Borrower..but later if u want to apply any housing loan to purchase ur own house, bank will check n see that ur name is under someone else's housing loan..but it's ok as long as u hve good record..the only benefit u can get from purchasing first house,u r entitle to get 50% on stamp duty on transfer as well as loan..
btw,u can get extra loan if u mark up ur purchase price in the SPA..that is what i hv gone through from my past exp.

think twice b4 any making decision coz the experts predict the risk that we r facing (bank loan) now

Let's say one morning you wake up and realize that, yes, buying a home is the right thing to do for yourself. You're tired of throwing away money on rent and figure that it's time to get into a home of your own. But you have reservations.