Hi guys,
I have a question. I saw a couple of houses and am very interested to get it, but I realize I have not yet calculated my affordability. Can I have your help to check my scenario out and see if I can really afford it?


Property Value - RM1.5M
Property Age - 2002 (probably some major renovation needed)

Gross Salary - Mine (RM62k per year) Hers (RM60k per year)
Commitment - 1x car loan (rm1.7k per month)
Monthly jointed expenses = RM2k
Age - 34yr old

Scenario - This house is for long term own stay to start our family and we are first time homebuyer. But due to our salary over the range and our age does not quality for the "my first home" program.


Do u think we can still borrow at least 90% of RM1.5M? We do have a fair bit of money from our KWSP which we can withdraw to pay the 10% downpayment.

But roughly how much would be the "excess" fees that we still need to pay? (e.g legal fees, renovation costs, furnitures)

note: didn't know buying a landed property might be quite headache >.<

thank you bro >.< I also expected so..and sadly its only a double story terrace house, we have been renting condo for over 4 years already, and though of moving into a landed which is convenient for both of us working area (bangsar and 1utama)

we were deciding on a rm900k (ttdi ascencia) or the rm1.5m(landed) but i guess, we are better off buying the condo instead within rm900k, should be sufficient for us to use?