RM 4,000 for house loan is very subjective, yeah G&G 2-sty landed almost this price, but can be lower la.
Cost of living in KL, Lai lai make noise pls Chat
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 Aug 27 2018, 06:22 PM
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40 posts Joined: Jan 2015  
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Aug 27 2018, 06:25 PM
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509 posts Joined: Jun 2006
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QUOTE(mw1980 @ Aug 27 2018, 06:22 PM) RM 4,000 for house loan is very subjective, yeah G&G 2-sty landed almost this price, but can be lower la. Car also can be lower la. If cannot survive still buy expensive car meh? 1 50k sedan and 1 40k Axia can d la. 1k per month instalment roughly. |
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Aug 27 2018, 06:25 PM
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Junior Member
106 posts Joined: May 2009 From: Penang
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QUOTE(malibuchong @ Aug 27 2018, 07:19 PM) wow....got rm4000/m installment house to stay. ada muka la tu. 👍 1m house..niamaa |
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Aug 27 2018, 06:27 PM
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758 posts Joined: Aug 2008
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oi beli umah ape loan 4ribu
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Aug 27 2018, 06:31 PM
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3,582 posts Joined: Oct 2007 From: everywhere in sabah
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KL and sabah same cost yet many here survive with minimum wage
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Aug 27 2018, 06:42 PM
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112 posts Joined: Sep 2007
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QUOTE(Eurobeater @ Aug 27 2018, 05:48 PM) » Click to show Spoiler - click again to hide... « - Housing Loan RM 4000 p/m: I'd assume this comes with the MRTA? Since there is only RM 600 worth of Basic Term Life and Med Card for 4 pax? - Food RM 1,500 p/m: This should be more if not cooking, else Groceries should increase. 4 pax, each adult RM500, kids RM 250? - Insurance RM 600 p/m (Basic Term Life and Medical Card): What's the coverage? if no MRTA how to re-pay RM 4000 Housing loan if the bread-winner is no longer around? - Grocercies RM 400 p/m: Should be more if cooking for 4 pax. - Transportation RM 400 p/m (Petrol and toll): This is for 2 cars? My own car alone is already RM 500+ a month  Unless work and nursery is a stone throw away, else this should be more. |
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Aug 27 2018, 06:46 PM
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#27
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844 posts Joined: Sep 2011
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Typical bank slave femly. The real question is how to increase ppls income at a rate faster than inflation?. How to build social safety net without shatting of d middel kelass n angrying d elites? Majority of Yung PPL are set to be bank slaves d things way r going. Ask them save for future? Qquarter of their savings erode within 5 yrs. U wonder where Yolo come from is thism
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Aug 27 2018, 07:08 PM
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1,534 posts Joined: Jul 2006
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my mortgage also 3.5k....not kl summore
4k ok la.... |
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Aug 27 2018, 07:32 PM
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Senior Member
1,190 posts Joined: May 2018 From: Kuala Lumpur, Malaysia
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Well, the presenter say these figures all based on his experience as insurance agent. This is the rough expenses breakdown for a family of 4 in KL coming in to buy insurance.
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Aug 27 2018, 07:39 PM
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#30
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445 posts Joined: Aug 2018
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QUOTE(Matrix2.0 @ Aug 27 2018, 06:27 PM) Why buy expensive house? Why buy Civic? This two can reduce. QUOTE(september2 @ Aug 27 2018, 06:30 PM) Stopped reading here. Family of 4 bros.. safety and good living condition is high up the priority list...Civic only.. not to say bmw or merc. If both parents are working, 11k a month is achievable.. This post has been edited by Liamness: Aug 27 2018, 07:40 PM |
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Aug 27 2018, 08:07 PM
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Newbie
42 posts Joined: Jan 2017
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if pay house to live in place easy to find high income job.
ok lah. |
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Aug 27 2018, 08:13 PM
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All Stars
10,478 posts Joined: Jan 2003 From: Sarawak
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QUOTE(Matrix2.0 @ Aug 27 2018, 06:27 PM) Why buy expensive house? because it can become more expensive |
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Aug 27 2018, 08:14 PM
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Junior Member
482 posts Joined: Jan 2016 From: Joined : 2008 
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QUOTE(Eurobeater @ Aug 27 2018, 05:48 PM) Ayam at a workshop earlier today about insurance and one of the fun activities we did was estimating the cost of living for a family of 4 in KL. Good point. Once the breadwinner dies, who's gonna fork out RM11k a month?The family - Family of 4 with 2 parents and 2 kids - Parents is 40 - 45 y/o and both kids between 2 - 4 y/o - Living in KL Cost of Living Estimation - Housing Loan RM 4000 p/m - Car loan RM 1,800 /n (1 Honda Civic and 1 Myvi) - Food RM 1,500 p/m - Insurance RM 600 p/m (Basic Term Life and Medical Card) - Utility RM 800 p/m (Electricity, water and internet) - Grocercies RM 400 p/m - Transportation RM 400 p/m (Petrol and toll) - Nursery School for kids RM 1,500 p/m Total monthly expenses: RM 11,100 a month Is this accurate ah? Come give feedback yo! |
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Aug 27 2018, 08:17 PM
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#34
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Senior Member
1,190 posts Joined: May 2018 From: Kuala Lumpur, Malaysia
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QUOTE(citacitata @ Aug 27 2018, 08:14 PM) Good point. Once the breadwinner dies, who's gonna fork out RM11k a month? Hence the workshop i went to. It was talking about the importance of life insurance. Say the family need some kind of IL policy to sustain this lifestyle for 5 years if one of the parent mati |
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Aug 27 2018, 08:20 PM
Show posts by this member only | IPv6 | Post
#35
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Junior Member
189 posts Joined: Aug 2015 From: Cherasboy
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QUOTE(Eurobeater @ Aug 27 2018, 05:48 PM) Ayam at a workshop earlier today about insurance and one of the fun activities we did was estimating the cost of living for a family of 4 in KL. House loan too highThe family - Family of 4 with 2 parents and 2 kids - Parents is 40 - 45 y/o and both kids between 2 - 4 y/o - Living in KL Cost of Living Estimation - Housing Loan RM 4000 p/m - Car loan RM 1,800 /n (1 Honda Civic and 1 Myvi) - Food RM 1,500 p/m - Insurance RM 600 p/m (Basic Term Life and Medical Card) - Utility RM 800 p/m (Electricity, water and internet) - Grocercies RM 400 p/m - Transportation RM 400 p/m (Petrol and toll) - Nursery School for kids RM 1,500 p/m Total monthly expenses: RM 11,100 a month Is this accurate ah? Come give feedback yo! kids expenses too high The average household in KL earns Rm8000 |
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Aug 27 2018, 08:29 PM
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Senior Member
944 posts Joined: Jan 2007
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QUOTE(Eurobeater @ Aug 27 2018, 05:48 PM) Ayam at a workshop earlier today about insurance and one of the fun activities we did was estimating the cost of living for a family of 4 in KL. buy 1.2 million house.The family - Family of 4 with 2 parents and 2 kids - Parents is 40 - 45 y/o and both kids between 2 - 4 y/o - Living in KL Cost of Living Estimation - Housing Loan RM 4000 p/m - Car loan RM 1,800 /n (1 Honda Civic and 1 Myvi) - Food RM 1,500 p/m - Insurance RM 600 p/m (Basic Term Life and Medical Card) - Utility RM 800 p/m (Electricity, water and internet) - Grocercies RM 400 p/m - Transportation RM 400 p/m (Petrol and toll) - Nursery School for kids RM 1,500 p/m Total monthly expenses: RM 11,100 a month Is this accurate ah? Come give feedback yo! complain on /k too expensive. electricity 800? why don't you turn off the ac dumbass? why food and groceries is separate? cook yourself. transport, why didn't you buy near mrt? nursery? grandma got. pay grandma. |
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Aug 27 2018, 08:31 PM
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Newbie
42 posts Joined: Jan 2017
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meaning if anak 4.
must 20k a month. |
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Aug 27 2018, 08:36 PM
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#38
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Junior Member
51 posts Joined: Sep 2011
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One civic and one myvi = petrol+toll=rm400. So you guys in a group came up with this?
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Aug 27 2018, 08:37 PM
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#39
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Senior Member
1,190 posts Joined: May 2018 From: Kuala Lumpur, Malaysia
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QUOTE(nko6213 @ Aug 27 2018, 08:36 PM) One civic and one myvi = petrol+toll=rm400. So you guys in a group came up with this? More like the presenter came up with some ballpark figures. I just list them down only |
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Aug 27 2018, 08:41 PM
Show posts by this member only | IPv6 | Post
#40
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Junior Member
51 posts Joined: Sep 2011
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QUOTE(Eurobeater @ Aug 27 2018, 08:37 PM) More like the presenter came up with some ballpark figures. I just list them down only He is a genius. Please convey the message to him. Hahahahha |
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