I am sorry to tell you, i only commit into housing loan worth of 400k when my salary reached 5 figures. for 3k kind of salary, even a rumah wip is far fetch. you will have financial problem once commit into the loan. Dont forget other commitments which can easily suck up 1k from your net salary such as duit dapur for your mom and grandma.

Simple math, your net salary is just around 2.7k, do you have health insurance? how about your mom and grandma? do you have other commitments such as internet? travel expenses? mobile phone? household expenses? car maintenance inclusive schedule and preventive maintenance? pet expenses?

Beside the above mentioned, you will have to consider extra fund for house reno, kitchen setup, furniture, perhaps aircond? Also, in coming 5 years of ownership, do you have extra fund for house fix for water leaking? damaged walls. tiles and even maintenance and sinking fund assuming its a strata title.

2.7k per-month is too high risk to own a house, even owning a Perodua Axia, it will easily suck up half your salary for hire purchase monthly repayment, petrol, tolls on monthly basis.

This post has been edited by mypalm79: Apr 6 2022, 09:49 AM