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[Tempatan]
Teringin beli rumah area KL? Minimum gaji RM8,500
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If you are looking for a home affordability calculator in Malaysia, you might not need one anymore. Given the latest data and our calculation, we have come up with a table that might be the answer for you to figure out how much salary you would need to buy a house in Malaysia.
Take note that this is based on the assumption that you do not have any commitments such as credit card debts, personal loans and other types of credit facilities which can affect your debt-service ratio.
chart1
If you look at the table carefully, you will find that monthly installments for each category should not exceed 30% of your total income. This is set to ensure you have enough disposable income for your other financial needs such as savings, investment, car loans, and retirement.
Based on the current market rate of 4.2% to 4.4% p.a. interest for a standard mortgage loan, you will need to fork out at least RM1,760 per month over the next 30 years for a 90% loan to buy a RM400,000 house.
Not forgetting down payment for your house, here is a list of total down payment you will need to save up based on various property prices:
chart2
Other than the sale purchase agreement, loan agreement and stamp duty costs listed above, you will also need to prepare extra money for these items:
Mortgage Reducing Term Insurance – RM1,000 or more
Renovation costs – minimum RM20,000
This means you will need to prepare around 20% of the property price you are aiming to buy.
Here are three ways to fund your down payment:
A Low-Interest Rate Personal Loan
If you have a clean credit record, you have the capability and leverage to negotiate with the banks for a personal loan at a lower interest rate than the normal rate. Find the best personal loan to support your property dream!
0% Easy Payment Plan (Credit Cards)
If you have the limit to spare or you want to fill the gap with the cash you have on hand, you can call the bank for a zero interest instalment plan by using your credit card. Find out more about Easy Payment Plan!
EPF Account 2 Withdrawal
You can choose to withdraw from your Employee Provident Funds (EPF) Account 2 if:
You are buying a residential house
Your financing option has been approved by the bank
SPA has been signed but did not exceed three years
You never made a withdrawal for house purchase before
Before making a decision, make sure you are aware of your capability to commit and have a financial buffer or backup plan in case of emergencies. Find out more tips about personal finance at CompareHero.my!
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acik swasta kaya2 dlm forum ni. ape dehal nk beli umah dkt kl |
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aku beli rumah rm5 jota ada 3...rm2jota ada 2...apa lagi cina nak?? |
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mengemis di negara sendiri la gamaknya |
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Ikut bajet dan gaji la..kalau gaji 3000 jgn la fikir nak beli rumah teres 500-600k. Beli la flat dulu. Ada rezeki lebih nnt baru la upgrade rumah besar sikit. Rumah tu keperluan. Jgn fikir nak melaram kereta mahal atau berangan anak org kaya mkn tempat hipster. Jgn pakai barang branded dr hujung rambut sampai hujung kaki |
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Harga rumah mcm mustahil nak turun. Klu turun kan pun pemaju akan kecik kan size |
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yang baru kawin tu beli je rumah kecik kecik dulu janji rumah sendiri.Ada je rumah 150k dalam area kl ni.Mohon rajinkan diri mencari
esok esok bila tua kau akan rasa jemu duk tempat yang sesak.Masa tu kau cari satu tanah atau rumah yang selasa kat kampung. |
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Swasta bonus 10 bulan boley la |
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Smlm bru tgk showroom riveria kl sentral..hamek ko rm 325000 utk 250sqft  |
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besar bilik ke besar rumah 250sqft?
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aku dpt je beli rumah kt kl ni bwh 200k..tp bukan rumah baru laa..rumah subsale laa..apartment..900sft..gaji aku pon bwh 3k..pokok pangkalnye kene pandai carik and jgn nak pk memula trus beli umah best2..mana tau ade rezeki nnt aku dpt beli rumah landed..even ni pun umah bwh je ground floor..tp best kalau ada garaj n tanah leh bercucuk tanam gituuu..hahahaa.. |
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Hanya sohai jer yg ingin tinggal dan kerja kat KL |
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x pyh sembang kenchang la,
klau condo jual rm100k pun korang masih komplen x mampu beli
ptui la |
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saladin780 replied at 20-10-2017 04:06 PM
Smlm bru tgk showroom riveria kl sentral..hamek ko rm 325000 utk 250sqft
Hanjengnya! But premium location kowt? |
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hmm.. pk 10x nk bli rmh even ikot tangga gaji tu. rmh 100k pn byk yg buruk2. xcye g survey. buruk2 je dpt. hmmm |
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khen.... dok merungut rumah mahal.... cari la rumah ceruk skit... mcm iols....
ni kereta nak mahal.... baju branded.... 
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kawan aku beli tanah lot kat beranang bandar akademia?
buat banglo. habis dalam Rm400k
tak google lagi apa jauhkah beranang dari kemajuan kota??? |
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Nasib baik aku bukan org kl, memalukan |
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sofiazara replied at 20-10-2017 05:11 PM
kawan aku beli tanah lot kat beranang bandar akademia?
buat banglo. habis dalam Rm400k
Beranang atas lagi dari semenyih kan sis? Kawan iols ramai je duduk semenyih tu, okeh jah i tengok diorang tu |
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jauh sis. kosserrr
tol Silk dah berapa hengget
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Post time 20-10-2017 02:16 PM
变色卡
