Berapa Gaji Nak Beli Rumah di Malaysia? (2026)
Jadual kelayakan pinjaman dari RM2,000 hingga RM15,000 sebulan. Semak gaji minimum mengikut negeri.
Salary to buy a house in Malaysia — loan eligibility lookup table
Jadual Kelayakan Pinjaman Rumah — Semua Negeri
| Gaji Bulanan | Pinjaman Maks | Harga Rumah Maks | Ansuran Bulanan |
|---|---|---|---|
| RM2,000 | RM254k | RM282k | RM1,200 |
| RM3,000 | RM380k | RM423k | RM1,800 |
| RM4,000 | RM507k | RM563k | RM2,400 |
| RM5,000 | RM634k | RM704k | RM3,000 |
| RM6,000 | RM761k | RM845k | RM3,600 |
| RM7,000 | RM887k | RM986k | RM4,200 |
| RM8,000 | RM1.0 mil | RM1.1 mil | RM4,800 |
| RM10,000 | RM1.3 mil | RM1.4 mil | RM6,000 |
| RM12,000 | RM1.5 mil | RM1.7 mil | RM7,200 |
| RM15,000 | RM1.9 mil | RM2.1 mil | RM9,000 |
* Berdasarkan DSR 60%, tempoh 35 tahun, kadar faedah 4.5%, bayaran muka 10%, tiada komitmen sedia ada.
Masukkan Gaji Anda — Kira Kelayakan Segera
Semak Mengikut Negeri — Gaji Minimum Beli Rumah
Negeri mana anda nak beli?
Kelantan
7 projekPerlis
2 projekKedah
37 projekTerengganu
4 projekPerak
34 projekPahang
21 projekLabuan
0 projekNegeri Sembilan
37 projekMelaka
29 projekSabah
2 projekSarawak
10 projekJohor
55 projekSelangor
209 projekPulau Pinang
37 projekPutrajaya
2 projekKuala Lumpur
36 projekRingkasan — Gaji Minimum Beli Rumah 2026
How to Calculate Salary Needed to Buy a House
Banks in Malaysia use the Debt Service Ratio (DSR) to determine your loan eligibility. The DSR is the percentage of your gross monthly income that goes towards debt repayments. Most banks allow a maximum DSR of 60% for housing loans.
Our calculations assume a standard housing loan with 35-year tenure, 4.5% interest rate, and 10% down payment (90% loan-to-value). These are common terms offered by Malaysian banks for first-time home buyers.
The Formula (Simplified)
1. Loan Amount = Property Price × 90%
2. Monthly Instalment = Loan Amount × [r(1+r)^n] / [(1+r)^n - 1]
where r = 4.5% ÷ 12, n = 35 × 12 months
3. Minimum Salary = Monthly Instalment ÷ 60% (DSR)
For example, to buy a RM500,000 property: the loan is RM450,000, monthly instalment is approximately RM2,280, and the minimum gross salary needed is approximately RM3,800 per month (assuming no other debt commitments).
Gaji Berapa Boleh Beli Rumah Malaysia 2026
Persoalan gaji minimum beli rumah adalah antara soalan paling popular di kalangan rakyat Malaysia. Ramai yang tertanya-tanya berapa gaji nak beli rumah pertama mereka. Jawapannya bergantung pada harga hartanah di negeri pilihan anda dan kelayakan pinjaman rumah gaji anda.
Jika anda bergaji RM5,000 sebulan, anda layak untuk membeli rumah berharga sekitar RM400,000 hingga RM450,000. Ini bermakna anda mampu beli rumah gaji RM5000 di kebanyakan negeri di Malaysia kecuali Kuala Lumpur dan beberapa kawasan premium di Selangor dan Pulau Pinang.
Untuk mereka yang berapa gaji nak beli rumah di KL, gaji minimum yang diperlukan adalah sekitar RM6,100 sebulan berdasarkan harga median kondominium. Di Selangor, gaji minimum lebih rendah iaitu sekitar RM3,500 sebulan.
Negeri paling mampu milik ialah Kelantan di mana anda hanya perlukan gaji RM1,800 sebulan. Gunakan jadual di atas untuk semak kelayakan pinjaman rumah mengikut gaji anda, atau pilih negeri untuk maklumat lebih terperinci.