23/05/2024
【𝐇𝐨𝐰 𝐦𝐮𝐜𝐡 𝐦𝐨𝐧𝐭𝐡𝐥𝐲 𝐢𝐧𝐬𝐭𝐚𝐥𝐦𝐞𝐧𝐭 𝐬𝐡𝐨𝐮𝐥𝐝 𝐈 𝐩𝐚𝐲 𝐛𝐚𝐬𝐞𝐝 𝐨𝐧 𝐡𝐨𝐮𝐬𝐢𝐧𝐠 𝐥𝐨𝐚𝐧 𝐚𝐦𝐨𝐮𝐧𝐭?🤔】
For first home buyers, they are very often have no concept on housing price and monthly installments
Hence, the following chart can quickly help you to understand your loan amount and also monthly installment (of course excluding MRTA or MLTA mortgage insurance)
So you won't end up like: setting a budget of RM500k to look for a house, but then realizing later that the monthly installment is RM2,213.87, end up becomes overbudget 😂
In terms of interest rate, some banks approve lower rates (3.85%); while others may be higher (4.25%),
Let's just use that 4% for calculation purpose.
For example: SPA Price RM500,000; 𝟵𝟬% 𝗟𝗼𝗮𝗻 𝗥𝗠𝟰𝟱𝟬,𝟬𝟬𝟬
If you're under 35 years old, you can borrow for a maximum of 𝟯𝟱 𝘆𝗲𝗮𝗿𝘀 𝘁𝗲𝗻𝘂𝗿𝗲
With the chart, you can roughly estimate that in between RM400k and RM500k, the monthly installment is approximately RM2000+
Of course, this chart only provides a basic idea. For precise calculations, you can download Loan Calculator Apps to get the exact amount.
【所以买房一个月是要供多少钱？🤔】
First Home Buyer，往往会对上百千的房价和月供完全没有概念。
以下的图表就是可以更快速地让你知道，你的贷款数额和一个月的供期（当然不包含MRTA或MLTA 房贷保险啦）
就不会发生好像：Set一个RM500k的Budget去看房，但是后面算到来才知道RM500k是要供一个RM2,213.87，然后就Overbudget了😂
在利息方面，有些银行会批比较低 (3.85%)；有些则会比较高 (4.25%)，拉上补下 就那个4%来做计算。
比如：SPA Price RM500,000；90% Loan就是𝗥𝗠𝟰𝟱𝟬,𝟬𝟬𝟬
年纪不超过35岁，就可以借满𝟯𝟱年的𝗟𝗼𝗮𝗻。
通过图表你就可以自己大概知道，在RM400k和RM500k之间，月供大概一个RM2000+左右。
当然，这个图标只是给个基本的概念。要非常准确的话，下载Loan Calculator Apps就可以计算出来了。
