got difference one la. Singapore u dont need a car to move around. owning a car is like the worst decision u ever make in SG. in KL, no car u are basically stucked.
So by saying not able to own a car in SG = downgrade compare to KL is not a fair comparison.

Back to his 3k vs 5k debate.

If you are single, below 30, i would say go for it. not sure how you gonna spend your RM5k in Msia but i can break down a bit SG cost for you.

$700-800 - room rental (own room, no sharing)
$80 - EZlink / flashpay card (transport)
$600 - food (assume u eat luxury once in a while, $20 a day is quite a lot)
$100 - groceries (toilet paper, shampoo etc)
$300 - entertainment (weekend go JB splurge la)
$50 - phone bill (should be lower)

minus this and that, thats still below $2k a month. I budgeted quite a lot and if u are a person that jimat cermat a bit, this bajet is overkill. assume u save 1k a month here. u can do a lot with that $$ compare to work in KL. u save 6 months u can go for a week euro trip if u work in SG. i think u need to save at least a year to do the same in KL.

Another scenario for u which is what I am doing now which is stay JB. those who say can save a lot of money not entirely true but u get better living environment la.

House installment + maintenance fees - RM900
Electric + internet + water - RM500
Car installment - RM900 (Myvi saja)
Motorbike cost - $100 (I use singapore bike, no need pay VEP) this calculation is base on i buy bike 10k SGD + insurance roadtax around $600 a year. divide to monthly.
Motor service - RM150 (2 times engine oil a month and average out those brake pad etc)
Petrol - RM150 (RM6+ a day)
Cash card top up - $100 (ERP, carpark for bike)
Makan in SG - $250 ($10 a day for lunch, sometime eat luxury so bajet a bit more)
Makan in JB - RM1k (sorry i spend a lot. sometime i makan alone can hit 50-100 a meal when go restaurant etc)

Looking back at the calculation, when u stay in JB the transport cost itself already killed the savings u get compare to staying in JB. Basically you are sacrificing your travel time for better quality of life instead of can save a lot $$ as claimed by many.

To be fair, SG is SG, KL is KL. its 2 different country with 2 different culture. There are things which is a "MUST HAVE" in Malaysia while you dont need it in SG.

For example. U got date amoi / awek in KL, u no car u think they wanna go out with u take Grab?
When you date SG chicks, its normal they go take MRT / bus. If you have a car its a bonus.

In my office alone, there are more Singaporean ladies that married Malaysian man compare to Singaporean man marrying Malaysian lady. Of course it might be just my office.
But Singaporean girls in general are more independent and willing to share the financial burden compare to other Asian girls.

Sifu please teach me how?

Myvi 56k, 10% d/p for 5 years loan. my monthly now is RM903.
House, 10% D/P, every 100k loan on average monthly you need to pay RM550. assume 10% D/P. your housing installment is RM2250.

house + car = RM3.2k. Your RM5k after EPF and Tax is around RM4.2k. Your house no need maintenance fees? Internet tak payah? kereta pakai air? makan angin?

https://www.moneysmart.sg/home-loan