Hello there - Need your kind advise. I am interested in a home & land package for 460,000 and can put in 40,000 deposit. So looking for 420,000 home loan. Gross Annual Income 84,000. First Time Home Buyer with no debts/no credit cards/no other loans. Two Dependents (Wife and Infant). Can I afford this property considering my borrowing power and Can I get less than 4.0% home loan interest rate? Looking forward to your response. Thank you!!!