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New Property Below RM600k — From RM3,000/Month Malaysia 2026

Properties priced up to RM732,842. Minimum salary needed: RM5,000/month.

Last Updated: March 2026
RM732,842
Max Property Price
RM73,284
Downpayment (10%)
RM5,000
Min Salary Required

Loan Breakdown

Monthly instalmentRM3,000
Total loan amountRM659,558
Max property priceRM732,842
Downpayment (10%)RM73,284
Interest rate4.2% p.a.
Loan tenure35 years (420 months)
Total interest paidRM600,442

Matching Projects (277 found)

Ponderosa Vista @ Jalan Ponderosa Utama
Completed

Berinda Properties Sdn Bhd

Ponderosa Vista @ Jalan Ponderosa Utama

Johor Bahru, Johor

2,700 sq ft
Price TBA
Landed House
0
CARISSA 1
NEW

SP Setia

CARISSA 1

Johor, Johor

From RM500
2-sty terrace/link house
Est. monthly: RM2/mo
MAPLE 3
Completed

SP Setia

MAPLE 3

Johor, Johor

From RM500
2-sty terrace/link house
Est. monthly: RM2/mo
SUMMERA GROVE

SP Setia

SUMMERA GROVE

Johor, Johor

From RM846
2-sty terrace/link house
Est. monthly: RM3/mo
SUMMERA GROVE

SP Setia

SUMMERA GROVE

Summera Grove, Johor

From RM846
Landed
Est. monthly: RM3/mo
Ferrous Finale

SP Setia

Ferrous Finale

Shah Alam, Selangor

From RM986
Landed
Est. monthly: RM4/mo
Sky Curve
Under Construction

SP Setia

Sky Curve

Selangor

From RM180k
Est. monthly: RM737/mo
Leederville Business Park by UOA
Under Construction

UOA Development Bhd

Leederville Business Park by UOA

Kepong, Kuala Lumpur

From RM183k
CommercialFreehold
Est. monthly: RM749/mo
sycamore @ KL
Various

UOA Development Bhd

sycamore @ KL

Kuala Lumpur, Kuala Lumpur

From RM190k
Condominium/ApartmentFreehold
Est. monthly: RM778/mo
Bungalow Land @ Taman Seri Bertam, Melaka Tengah
New Launch

Bungalow Land @ Taman Seri Bertam, Melaka Tengah

Melaka Tengah, Melaka

4,745 sq ft
From RM214k
Bungalow
Est. monthly: RM876/mo
TRIO by Setia (Block A)
Completed

SP Setia

TRIO by Setia (Block A)

Selangor

From RM216k
Est. monthly: RM884/mo
TRIO by Setia (Block C)
Completed

SP Setia

TRIO by Setia (Block C)

Selangor

From RM216k
Est. monthly: RM884/mo
View all 277 matching projects →

Recommended Areas for RM3,000/Month

These areas typically have new launches within your RM3,000/month budget.

Mont KiaraBangsar SouthIskandar PuteriPenang Island

Budget Comparison

MonthlyMax PriceMin Salary
RM1,500RM366,421RM2,500
RM2,000RM488,561RM3,333
RM2,500RM610,701RM4,167
RM3,000RM732,842RM5,000
RM4,000RM977,122RM6,667
RM5,000RM1,221,403RM8,333

Tips to Increase Your Budget

Joint loan with spouse/family

Combining incomes can increase your eligibility by 30–40%. Both applicants' salaries are considered for DSR calculation, unlocking higher loan amounts.

Withdraw EPF Account 2

Use your EPF Account 2 savings for the 10% downpayment and related purchase costs. This reduces your cash outlay and lets you aim for a higher-priced property.

Choose 40-year tenure

If you're below 25, some banks offer up to 40-year tenure. Longer tenure means lower monthly payments — though total interest increases.

← RM2,500/monthAll budgetsRM4,000/month →

Frequently Asked Questions

What property can I buy with RM3,000/month in Malaysia?▼
With a monthly instalment of RM3,000, you can afford a property priced up to RM732,842 based on 4.2% interest rate, 35-year loan, and 90% financing. This typically includes condos, apartments, and in some areas, landed homes.
Which areas have new launches for RM3,000/month?▼
Areas with new launches within a RM3,000/month budget include Mont Kiara, Bangsar South, Iskandar Puteri, Penang Island. These areas typically have new property launches priced below RM732,842.
Is RM3,000/month instalment a lot for a house in Malaysia?▼
RM3,000/month is a moderate instalment for Malaysia. Mid-career professionals, household RM5,500–7,000 typically fall in this range. The key factor is your DSR — keep total debt repayments below 60% of gross income.
What salary do I need for RM3,000/month mortgage?▼
Based on 60% DSR (debt service ratio), you need a minimum gross salary of RM5,000/month to comfortably afford a RM3,000/month mortgage. This assumes no other existing loan commitments.
Can I negotiate lower instalment with the developer?▼
Developers don't set your instalment — the bank does, based on loan amount, interest rate and tenure. However, developers may offer rebates, lower downpayment schemes, or interest absorption during construction (DIBS) that effectively reduce your upfront costs.

Hartanah Baru Untuk Ansuran RM3,000 Sebulan

Dengan ansuran RM3,000 sebulan, anda layak memiliki hartanah bernilai sehingga RM732,842. Pengiraan berdasarkan kadar faedah 4.2% setahun dan tempoh pinjaman 35 tahun. Gaji minimum yang diperlukan ialah RM5,000 sebulan berdasarkan DSR 60%. Layari senarai projek di atas untuk melihat pelancaran baharu yang sepadan dengan bajet anda.

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