What a yawny morning.. Huahhhh (++) I think it's almost 6 months I've lived in my home that I bought last year. An impulsive decision that went surprisingly well and smooth. Cembam and I had our own role and Alhamdulillah we leave happily up till now. Well, putting aside the leaking piping in the kitchen and the wire trip of the outdoor lights. Other than that, we are doing just fine (^^). I had to borrow my SIL's saving money for the 10percent down payment. 6.5% to be exact. The 3.5% was from Cembam's saving. It was then that I learned, there's no way you can use solely your kwsp money to buy a house. You really NEED your own money for the lawyer fees and the down-payment. That's because the KWSP can only be requested for withdrawal once you have paid the 10% down-payment to get all the relevant documents. I've intended to do all the necessary procedures asap and pay back the money since months ago. But unfortunately the amount in my Tabung 2 was les...