Home/Monthly Payment/RM4,000

New Property Below RM800k — From RM4,000/Month Malaysia 2026

Properties priced up to RM977,122. Minimum salary needed: RM6,667/month.

Last Updated: March 2026
RM977,122
Max Property Price
RM97,712
Downpayment (10%)
RM6,667
Min Salary Required

Loan Breakdown

Monthly instalmentRM4,000
Total loan amountRM879,410
Max property priceRM977,122
Downpayment (10%)RM97,712
Interest rate4.2% p.a.
Loan tenure35 years (420 months)
Total interest paidRM800,590

Matching Projects (355 found)

🏙
New Launch

Berinda Properties Sdn Bhd

Ponderosa Vista @ Jalan Ponderosa Utama

Johor Bahru, Johor

2,700 sq ft
Price TBA
Landed House
0
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

Summera Grove, Johor

From RM846
Landed
Est. monthly: RM3/mo
SUMMERA GROVE

SP Setia

SUMMERA GROVE

Johor, Johor

From RM846
2-sty terrace/link house
Est. monthly: RM3/mo
Ferrous Finale

SP Setia

Ferrous Finale

Shah Alam, Selangor

From RM986
Landed
Est. monthly: RM4/mo
🏙
New Launch

Rawang Lakes Sdn Bhd

Puteri Oasis, Bungalow Lots @ Bandar Tasik Puteri, Rawang, Selangor

Rawang, Selangor

4,122 sq ft
From RM156k
Bungalow
Est. monthly: RM639/mo
🏙
Completed

Taman Nuri Botani, Villament (RMM) @ Durian Tunggal, Melaka

Durian Tunggal, Melaka

1,000 sq ft
From RM190k
Serviced ApartmentFreehold
Est. monthly: RM778/mo
🏙
Completed

Projek Perumahan Perwira, 1-storey Terrace @ Segari, Lumut, Perak

Lumut, Perak

970 sq ft
From RM203k
Landed House
Est. monthly: RM831/mo
🏙
Completed

Seri Seraya @ Puncak Bestari, Puncak Alam | Affordable Homes

Puncak Alam, Selangor

900 sq ft
From RM205k
Serviced Apartment
Est. monthly: RM839/mo
🏙
New Launch

Bungalow Land @ Taman Seri Bertam, Melaka Tengah

Melaka Tengah, Melaka

4,745 sq ft
From RM214k
Bungalow
Est. monthly: RM876/mo
🏙
New Launch

Qordzia Fasa 2A & 3A, Rumah Teres Setingkat @ Kuantan, Pahang

Kuantan, Pahang

900 sq ft
From RM218k
Landed HouseLeasehold
Est. monthly: RM892/mo
🏙
New Launch

KOTA IMPIANA PROPERTIES SDN BHD

Rumah Teres 1 Tingkat (Fasa 2B) @ Taman Impiana Bidor, Perak

Kampar, Perak

1,249 sq ft
From RM218k
Landed House
Est. monthly: RM892/mo
View all 355 matching projects →

Recommended Areas for RM4,000/Month

These areas typically have new launches within your RM4,000/month budget.

KLCCBangsarDamansara HeightsGeorgetown Penang

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.

← RM3,000/monthAll budgetsRM5,000/month →

Frequently Asked Questions

What property can I buy with RM4,000/month in Malaysia?▼
With a monthly instalment of RM4,000, you can afford a property priced up to RM977,122 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 RM4,000/month?▼
Areas with new launches within a RM4,000/month budget include KLCC, Bangsar, Damansara Heights, Georgetown Penang. These areas typically have new property launches priced below RM977,122.
Is RM4,000/month instalment a lot for a house in Malaysia?▼
RM4,000/month is a higher-end instalment for Malaysia. Senior professionals, household RM7,000–9,000 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 RM4,000/month mortgage?▼
Based on 60% DSR (debt service ratio), you need a minimum gross salary of RM6,667/month to comfortably afford a RM4,000/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 RM4,000 Sebulan

Dengan ansuran RM4,000 sebulan, anda layak memiliki hartanah bernilai sehingga RM977,122. Pengiraan berdasarkan kadar faedah 4.2% setahun dan tempoh pinjaman 35 tahun. Gaji minimum yang diperlukan ialah RM6,667 sebulan berdasarkan DSR 60%. Layari senarai projek di atas untuk melihat pelancaran baharu yang sepadan dengan bajet anda.

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