Must know the monthly maintenance for the house... bills, indahwater, cukai tanah, cukai pintu, fire insurance, etc.

I had my 1st house when around ur salary range... 480k house + papakasi Rm100k.... I buy landed... now quite ok after salary raise few years on...
*Edited on the house price..

It really depends on where are you located bro. I would advise to buy mid-cost apartment (ground floor), and stay for few years. When you have more stable income, then only look for landed. 5k salary might be enough at rural/suburbs, but in big cities like KL, PJ, Klang Valley, you may need 10k for landed house.

you will pay alone or tgt with ur gf/wife

First of all, you need to know your debt service ratio. (DSR)
According to the given information, here is your DSR

DSR = Commitment / Net Income

Commitment = Car Loan + PTPTN = 660 + 410 = 1070
Net Income = (4800 - 12% for KWSP & SOCSO) + 300 Allowance = 4524

Your current DSR before buying a new home is
DSR = 1070 / 4524 * 100% = 23.65%

Normally banks will accept the application up to 70% DSR, or to play safe, let us 60% as the benchmark.
60% DSR = 4524 * 60% = 2714
Which means that the monthly mortgage repayment that you are eligible is
2714 - 1070 = 1644

Layman term, base on the given info, you could choose to purchase a property priced at RM425, 000.
Base on 90% loan, your loan amount is RM 352,500
Loan Tenure is 35 years;
Estimate interest rate is 3.7% (This is very conservative interest rate that offers by major banks now)
Estimate monthly mortgage repayment RM 1625.50

It is very subjective to give you a suggestion on what type of property you should buy.

If you are the first-time homebuyer, you may take advantages on the government affordable home scheme like other suggested.

If you do not prefer to buy the government affordable home programs then you could either buy from new housing development from the developer or sub-sale property.

The advantages of buying new housing development from the developer are the majority of them offer low or zero down-payment package, free legal fees and so on. However, during the construction period, there is a progressive interest that you need to pay.

If you are buying a sub-sale property, I will suggest you prepare at least 15% of property price - 10% pay for down-payment while 5% pay for legal fees, stamp duty, valuation fees and so on.

Well, it is back to you.

As an agent focus in Shah Alam area, I would like to share with you that there are many options available to you.

Just spend your time on research and you will find your dream home soon. Cheers!!

For your first house, I’ll suggest you to go for rumawip.

Based on your salary and a DSR ratio of 70%, you should be able to loan up to 300-400k. RUMAWIP starts at 300k so you can definitely afford one.

The only problem is you have to cough up at least 15% for down payment and legal fee, which is around 45k. Based on your saving is definitely not enough. You can probably ask your family for help.

Also based on your age you should have saved more for your future house. And you are staying with your family it should be quite easy to save? Not to mention you only give rm100 to your mom every month which i think should be more 🤔