Tak Perlu Tunggu Kaya! Ini Cara Orang Gaji Kecil Beli Rumah Pertama

Ramai orang muda di Malaysia berdepan dengan dilema yang sama: nak beli rumah, tapi gaji tak besar. Harga rumah makin naik, kos sara hidup tinggi, dan kelulusan pinjaman perumahan pun semakin ketat.

 

Tapi jangan risau, memiliki rumah bukanlah mustahil, walaupun dengan gaji sederhana. Yang penting ialah strategi dan tindakan bijak. Jom kita lihat langkah-langkah yang boleh anda ambil!

 

 

1. Fahami Kemampuan Kewangan Anda

 

Sebelum cari rumah, kena tahu kemampuan sebenar. Gaji bersih bulanan anda sepatutnya diperuntukkan seperti ini:

 

• Tidak lebih dari 30-35% untuk bayaran ansuran rumah.
• Kira Debt Service Ratio (DSR):  pastikan semua komitmen hutang (kereta, PTPTN, kad kredit) tak lebih dari 70% daripada gaji bersih.

 

Tip: Gunakan kalkulator pinjaman perumahan online untuk semak kelayakan awal anda.

 

 

2. Fokus Pada Rumah Subsale atau Projek Mampu Milik

 

Jika gaji tak besar, rumah subsale (rumah yang dijual semula) biasanya lebih murah berbanding projek baru. Lokasi pun kadang-kadang lebih strategik.

 

Atau, cari projek rumah mampu milik seperti:

 

• Rumah Selangorku
• PR1MA
• Residensi Wilayah
• Projek developer yang bekerjasama dengan kerajaan negeri

 

 

3. Manfaatkan Skim Bantuan Kerajaan

 

Gunakan peluang bantuan yang kerajaan sediakan:

 

• Skim Rumah Pertamaku (SRP) – 100% pinjaman tanpa deposit.
• SJKP – Skim Jaminan Kredit Perumahan – Sesuai untuk mereka yang tiada pendapatan tetap seperti usahawan kecil, peniaga online, e-hailing, atau pekerja gig.
• i-Biaya / i-MILIK – Bantuan ansuran awal dan kos guaman.
• Dana Rumah Mampu Milik Bank Negara – Untuk rumah bawah RM300,000.

 

Ini boleh bantu anda beli rumah dengan komitmen kewangan yang lebih ringan.

 

 

4. Pilih Bank dan Pinjaman yang Sesuai

 

Jangan terus mohon pinjaman tanpa buat perbandingan.

 

• Bandingkan kadar faedah antara bank.
• Tanya tentang pinjaman fleksibel atau pakej faedah rendah untuk pembeli rumah pertama.
• Semak jika anda layak untuk tenure panjang hingga umur 70 tahun.

 

 

5. Kumpul Deposit dan Kos Tersembunyi

 

Kalau tak dapat 100% pinjaman, anda perlu sediakan deposit (10% daripada harga rumah). Juga sediakan bajet untuk:

 

• Yuran guaman
• Duti setem
• Kos renovasi kecil

 

Tip bijak: Cuba menyimpan secara konsisten atau gunakan KWSP Akaun 2 untuk bantu bayar deposit.

 

 

6. Dapatkan Nasihat Ejen Hartanah Berpengalaman

 

Kalau anda tak biasa dengan proses pembelian, dapatkan bantuan dari ejen hartanah profesional seperti kami di Oriental Real Estate.
Kami bantu:

 

• Cari rumah ikut bajet dan lokasi anda
• Urus tawaran harga dan dokumen pinjaman
• Bantu rundingan dengan bank & peguam

 

 

Siap Sedia Nak Miliki Rumah Pertama Anda?

 

Gaji kecil tak semestinya impian pun kecil. Dengan strategi yang betul dan panduan profesional, anda boleh memiliki rumah sendiri lebih cepat daripada yang anda sangka.

 

Hubungi kami di 018-282 0000
Kami di Oriental Real Estate sedia bantu anda cari rumah idaman dengan bajet yang sesuai, termasuk banyak projek menarik di kawasan KL dan sekitarnya!

 

Tak perlu tunggu gaji besar untuk mula. Yang penting ialah langkah pertama yang bijak.

Jom miliki masa depan anda hari ini!

Is KL Still Worth Investing In? Property Trends Gen Z Should Know

In the past, Kuala Lumpur (KL) was the go-to destination for property investors and homeowners alike. With its bustling city life, growing infrastructure, and endless job opportunities, it made perfect sense. But times have changed, and so have the preferences of the younger generation.

 

So, in 2025, the big question remains: Is KL still worth investing in, especially for Gen Z? Let’s explore the current trends, opportunities, and realities that matter.

 

 

1. KL’s Property Market in 2025: What’s Really Going On?

 

Over the past few years, KL has seen a shift in property demand and supply:

 

• High-rise oversupply: Many condominiums remain unsold due to oversupply, especially in the city centre.
• Shift to subsale market: Buyers are increasingly looking for better value in the subsale (secondary) market, avoiding newer overpriced launches.
• Boost from infrastructure: Projects like MRT 3, TRX, and improvements in connectivity are keeping select KL areas attractive.
• Flexible developer offerings: Rebates, low down payments, and free legal fees are now common to attract younger buyers.

 

KL still holds potential, but it’s no longer about just buying “anything in the city.” It’s about being strategic.

 

 

2. What Gen Z Wants in a Property

 

• Smart living: Digital-savvy buyers want tech-integrated homes — think smart locks, energy-saving systems, and strong internet.
• Convenience over luxury: Malls, eateries, LRT/MRT access, and co-working spaces nearby are more important than swimming pools or clubhouses.
• Green & sustainable: Eco-friendly buildings, natural lighting, and recycling facilities are a big plus.
• Community living: Co-living and hybrid spaces attract Gen Z who enjoy flexible lifestyles and social connections.

 

If a development doesn’t align with these expectations, it’s unlikely to attract this generation.

 

 

3. The Affordability Struggle Is Real

 

Let’s face it: KL properties aren’t exactly cheap.

 

• Many Gen Z buyers face loan rejection due to unstable income or lack of credit history.
• Prices in prime areas are still high, pushing first-time buyers to consider fringe zones.
• New models like Rent-to-Own (RTO) and shared ownership schemes are becoming popular options.

 

Tip: Keep your credit score clean, avoid too many short-term debts, and get professional loan advice before applying.

 

 

4. Which KL Areas Are Still Worth Considering?

 

Not all parts of KL are created equal. Here are a few areas where Gen Z investors are still eyeing opportunities:

 

• Setapak: Affordable subsale condos with great access to LRT and amenities.
• Kepong: Up-and-coming with infrastructure developments and nature escapes like FRIM.
• Cheras: A favourite among young families with plenty of food, schools, and MRT access.
• Bangsar South: Higher price tag, but great for young professionals looking for urban lifestyle and long-term value.

 

The key is to balance between lifestyle needs, growth potential, and pricing.

 

 

5. KL Alternatives? Worth Looking Beyond?

 

As KL prices continue to rise, more Gen Z buyers are exploring nearby alternatives:

 

• Kajang & Semenyih: Affordable and growing with universities and new housing projects.
• Puchong & Seri Kembangan: Still within Greater KL but offering more space for the same price.
• Rawang: Gaining attention from young families wanting suburban comfort with city access.

 

Remote work and hybrid office setups have also opened up opportunities to live further from city centres while staying connected.

 

 

Conclusion: KL, Still Worth It, If You're Smart About It

 

KL remains a land of opportunity, but it’s no longer about owning a property for the sake of it. For Gen Z, it’s about:

 

• Understanding what you can realistically afford.
• Choosing a location that supports your lifestyle and income.
• Thinking long-term and making smart investment decisions.

 

Looking for subsale properties in KL or guidance on your first investment?

Reach out to Oriental Real Estate at 018-282 0000, we help young Malaysians move forward with confidence. 

City Life Perks: Is High-Rise Living Right for You?

As cities grow denser and more dynamic, many Malaysians are trading landed homes for high-rise living. Whether it's for convenience, lifestyle, or investment, high-rise properties like condominiums and serviced apartments are becoming a popular choice, especially in urban hotspots like Kuala Lumpur, Petaling Jaya, Subang, and Puchong.

 

But is this type of living right for you? Let’s break down the benefits (and things to consider) to help you decide.

 

 

1. Prime Location, Better Accessibility

 

High-rise homes are often strategically located near key areas — think shopping malls, public transport, business districts, and major highways. Living in a condo means you're usually:

 

• Just minutes away from your workplace
• A short walk to LRT/MRT stations
• Surrounded by cafes, gyms, and essential services

 

For city dwellers who value time and convenience, this is a game-changer.

 

 

2. Lifestyle Facilities at Your Doorstep

 

Imagine having access to a swimming pool, gym, rooftop garden, and 24-hour security — without leaving your building. High-rise developments today are designed with lifestyle in mind, offering:

 

• Multi-tiered security
• Clubhouses or co-working spaces
• Children’s playgrounds and BBQ areas

 

These facilities can elevate your everyday living without the need for extra memberships or travelling far.

 

 

3. Less Maintenance, More Peace of Mind

 

Unlike landed homes, where you're responsible for external upkeep (roof leaks, garden maintenance, pests), high-rise units come with building management services.

 

This means:

 

• Low maintenance living
• Issues like plumbing or repairs are handled efficiently
• Common areas are cleaned and maintained for you

 

 

4. Great for Investment and Rental Yield

 

High-rise units in urban areas are highly sought-after by:

 

• Young professionals
• Students
• Expats and short-term renters

 

If you’re looking to generate passive income, a high-rise property in the right location can offer strong rental returns and long-term appreciation.

 

 

🤔 But... Things to Consider

 

High-rise living isn’t for everyone. Consider these before making the move:

 

• Monthly maintenance fees – For facilities and security
• Less privacy – You’ll be sharing walls and common areas
• Pet restrictions – Some condos have rules against pets
• Parking limitations – Extra car? You may need to rent an additional bay

 

🏡 So, Is High-Rise Living Right for You?

 

If you value:

 

• City convenience
• A secure, low-maintenance lifestyle
• Access to lifestyle facilities
• Good investment potential

 

…then high-rise living might just be your perfect match.

 

At Oriental Real Estate, we help clients discover the best high-rise properties across the Klang Valley — whether you're buying for your own stay or as an investment.

 

📲 Ready to explore city living? Contact us  today at 018-282 0000 and get expert guidance on the best high-rise units in town.