Personal Loan of RM1,815*18months=RM 32,670. Since cumulative interest rate is only 3.13%, you should fork out ~RM 33k from your cash stack of RM50k into FD monthly-auto renewal with interest rate higher than 3.13%, therefore it should be able to cover your personal loan with interest stacked up.

Since the personal loan is settled, your debt ratio should drop to approximately 65% (assuming the house 2 installment of RM2.1k is taken into account of your 90% debt-equity ratio), with free cash of around 3.5k monthly to roll (assuming your salary is approx RM10k nett of SOCSO,EPF,etc), and with the remaining RM17k cash in hand (suggest to put it into FD monthly-auto renewal), should be able to give you a breath, and with an increasing salary, you should be able to hold off without doing a part-time job.

But still, I suggest you to do something with house 1, as it is a major burden. At least rent it out if you're holding it for reason of capital appreciation.