Kelayakan Beli Rumah Di Kelantan 2026
Semak kelayakan pinjaman rumah anda berdasarkan data pendapatan isi rumah DOSM. Bandingkan gaji anda dengan harga hartanah baru di Kelantan.
Quick Answer — Can you afford a house in Kelantan?
The median household income in Kelantan is RM3,614/month (2022 DOSM data). On this income, you can afford a property up to approximately RM477k (70% DSR, 35-year tenure, 4.5% interest).
Kalkulator Kelayakan Beli Rumah di Kelantan
Adjust your monthly household income to see what you can afford. Pre-filled with Kelantan's median income.
Stamp Duty & Legal Fees Estimate — RM477k Property
Based on the median-income affordable price of RM477k in Kelantan:
For detailed calculations, use our Stamp Duty Calculator.
Household Income Trend — Kelantan
Median household income growth in Kelantan over the years (DOSM data):
| Year | Median (RM) | Mean (RM) | Growth |
|---|---|---|---|
| 2007 | 1,510 | 2,143 | — |
| 2009 | 1,713 | 2,536 | +13.4% |
| 2012 | 2,276 | 3,168 | +32.9% |
| 2014 | 2,716 | 3,715 | +19.3% |
| 2016 | 3,079 | 4,214 | +13.4% |
| 2019 | 3,563 | 4,874 | +15.7% |
| 2020 | 3,010 | 4,411 | -15.5% |
| 2022 | 3,614 | 4,885 | +20.1% |
Source: Department of Statistics Malaysia (DOSM) Household Income Survey
Property Affordability in Kelantan — What the Data Shows
Based on DOSM 2022 data, the median household income in Kelantan is RM3,614/month (RM43,368/year). The mean (average) is higher at RM4,885/month, indicating that higher-income households pull the average up.
To check your personal affordability, adjust the salary slider above. You can also explore our full affordability calculator for a detailed DSR breakdown with savings gap analysis.
Kira Kelayakan Beli Rumah di Kelantan 2026
Layak ke anda beli rumah di Kelantan? Soalan ini sering ditanya oleh ramai rakyat Malaysia. Berdasarkan data DOSM 2022, pendapatan isi rumah penengah di Kelantan adalah RM3,614 sebulan.
Dengan menggunakan kadar DSR 70% yang digunakan oleh bank, pendapatan ini membolehkan anda membeli hartanah sehingga kira-kira RM477k (dengan pinjaman 35 tahun, kadar faedah 4.5%, dan komitmen sedia ada RM500).
Gunakan kalkulator kelayakan di atas untuk semak sama ada gaji anda cukup untuk beli rumah di Kelantan. Masukkan pendapatan bulanan anda dan lihat berapa harga rumah maksimum yang anda layak.
Untuk pengiraan duti setem dan fi guaman, gunakan Kalkulator Duti Setem. Untuk kira ansuran bulanan pinjaman perumahan, gunakan Kalkulator Pinjaman Rumah.
Soalan Lazim — Beli Rumah di Kelantan
Berapa gaji minimum untuk beli rumah di Kelantan?
Berdasarkan harga hartanah semasa di Kelantan, gaji minimum RM3,500/bulan diperlukan (70% DSR, 35 tahun, kadar 4.5%). Gunakan kalkulator di atas untuk kira berdasarkan gaji anda.
What is the average household income in Kelantan?
According to DOSM 2022 data, the median household income in Kelantan is RM3,614/month, while the mean (average) is RM4,885/month.
Mampu ke beli rumah gaji RM4000 di Kelantan?
Dengan gaji RM4000/bulan dan DSR 70%, anda layak untuk hartanah sehingga RM477k. Di Kelantan, terdapat beberapa projek dalam bajet ini.
How much house can I afford in Kelantan on the median salary?
On the Kelantan median household income of RM3,614/month, assuming 70% DSR, 35-year tenure, 4.5% interest, and RM500 existing commitments, you can afford a property up to approximately RM477k.
Is Kelantan affordable for property buyers in 2026?
Kelantan offers a range of property prices. Use the calculator above to check affordability based on your specific income.
Apakah kadar DSR yang bank gunakan di Malaysia?
Bank di Malaysia biasanya menggunakan DSR (Debt Service Ratio) maksimum 70% untuk kelulusan pinjaman perumahan. Ini bermakna jumlah semua ansuran bulanan (termasuk pinjaman baru) tidak boleh melebihi 70% daripada pendapatan kasar. DSR 60% dianggap lebih selesa.
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