08/04/2024
#购房指南
🇲🇾到底多少薪水才买得起房子？
以你目前的薪水和储蓄，什么样的房屋价格是适合你的呢?
1分钟 带你轻松看懂
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假设：
🫱🏻 35年分期，4.3%的利息
你目前的月收入是RM3000，目标房子的价格是RM200,000的话，你每月需支付的贷款约为RM830
总头期则为RM33500
📋需要注意的是
头期不只是简单的10%房价而已，我们还需加上一些手续费（律师费，印花税和估价费等等）。
so总头期需要准备约总房价的20%
💡不过，有一些开发商会提供🔸免头期🔸的计划，让购房者通过分期付款的方式购买房屋，而无需为了准备庞大的头期而烦恼。
☝🏻简单来说，房贷月供不能超月收入的⅓，要不然就超过可负担的房贷月供了。
这是因为不单单只是每个月的供期，我们还需考虑其他生活成本和支出，例如日常开销、维修费、管理费、保险费用等的费用都需要计算在内哦！
🔴 温馨提醒：买房是一项涉及大笔费用💵的决定，因此在购买时需要留意各种细节，并且可以向property consultant寻求专业建议哦！
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🇲🇾 How much salary do you need to afford a house?
With your current salary and savings, what kind of house price is suitable for you?
Let me explain it to you in 1 minute!
Assuming:
🫱🏻 35-year installment, 4.3% interest
If your current monthly income is RM3000, and the target house price is RM200,000, then your monthly loan payment would be approximately RM830
with a total down payment of RM33,500.
📋 It's important to note that
the down payment isn't just a simple 10% of the house price. We also need to add some fees (such as lawyer fees, stamp duty, valuation fees, etc.).
So, the total down payment needs to be about 20% of the total house price.
💡 However, some developers may offer plans with 🔸ZERO down payment🔸, allowing buyers to purchase homes through installment payments without worrying about preparing a large down payment.
☝🏻Simply put, the monthly mortgage payment should not exceed one-third of your monthly income, otherwise, it would exceed the affordable mortgage payment.
This is because besides the monthly installment, we also need to consider other living costs and expenses, such as daily expenses, maintenance fees, management fees, insurance costs, etc., which all need to be factored in!
🔴 Friendly reminder: Buying a house is a decision involving significant costs 💵, so it's important to pay attention to various details when making the purchase, and you can seek professional advice from property consultants!
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#马来西亚买房 #马来西亚买房须知 #买房攻略 #买房建议 #买房须知
