Wiki Labs AI

Where the rent pays the bank.

In 11 of the 14 Malaysian zones we watch, a tenant's rent covers the whole bank installment on a median three-bedroom. Computed from 12,747 live listings on Mudah and PropertyGuru, refreshed weekly, sample size on every number.

lit: rent covers the installment dim: rent falls short

See every zone
Fourteen zones · asking rents as of 2026-08-26 · 90% loan, 4.3%, 35 years

One sentence per zone

Each line prices the zone's median three-bedroom the way most buyers finance it, then says whether the tenant's rent carries the installment. Tap a zone for the full ledger and a calculator you can argue with.

  1. Johor BahruJohor Rent covers the installment with RM 481 over. True cost to hold: RM 6 a month. 3-bed rent RM 2,100 · bank RM 1,619 · 274 listings
  2. PuchongSelangor Rent covers the installment with RM 264 over. True cost to hold: RM 155 a month. 3-bed rent RM 1,400 · bank RM 1,136 · 282 listings
  3. Simpang Ampat and Nibong TebalPenang Rent covers the installment with RM 268 over. True cost to hold: RM 181 a month. 3-bed rent RM 1,500 · bank RM 1,232 · 101 listings
  4. Bukit MertajamPenang Rent covers the installment with RM 280 over. True cost to hold: RM 157 a month. 3-bed rent RM 1,600 · bank RM 1,320 · 175 listings
  5. IpohPerak Rent covers the installment with RM 233 over. True cost to hold: RM 198 a month. 3-bed rent RM 1,450 · bank RM 1,217 · 170 listings
  6. Bukit Jalil and KL SouthKuala Lumpur Rent covers the installment with RM 349 over. True cost to hold: RM 114 a month. 3-bed rent RM 2,200 · bank RM 1,851 · 591 listings
  7. Iskandar Puteri and MediniJohor Rent covers the installment with RM 352 over. True cost to hold: RM 114 a month. 3-bed rent RM 2,400 · bank RM 2,048 · 136 listings
  8. Butterworth and PeraiPenang Rent covers the installment with RM 213 over. True cost to hold: RM 206 a month. 3-bed rent RM 1,500 · bank RM 1,287 · 344 listings
  9. Petaling Jaya and DamansaraSelangor Rent covers the installment with RM 187 over. True cost to hold: RM 198 a month. 3-bed rent RM 1,500 · bank RM 1,313 · 240 listings
  10. KLCC and Bukit BintangKuala Lumpur Rent covers the installment with RM 590 over. True cost to hold: RM 2 a month. 3-bed rent RM 5,500 · bank RM 4,910 · 74 listings
  11. BangsarKuala Lumpur Rent covers the installment with RM 267 over. True cost to hold: RM 170 a month. 3-bed rent RM 2,900 · bank RM 2,633 · 85 listings
  12. Gelugor and JelutongPenang Rent falls RM 171 short of the installment. True cost to hold: RM 485 a month. 3-bed rent RM 1,700 · bank RM 1,871 · 582 listings
  13. Batu KawanPenang Rent falls RM 440 short of the installment. True cost to hold: RM 728 a month. 3-bed rent RM 1,800 · bank RM 2,240 · 91 listings
  14. George Town and TanjungPenang Rent falls RM 593 short of the installment. True cost to hold: RM 866 a month. 3-bed rent RM 2,000 · bank RM 2,593 · 565 listings
How the number is made · Johor Bahru, median three-bedroom

Six lines, no jargon

Rent comes in. The bank and the running costs take their share. What is left is what leaves your pocket. Then one line most sites skip: the part of the installment that repaid your loan is money you keep.

Rent a tenant pays
0
Bank installment
0
Running costs
0
What leaves your pocket
0
Loan principal repaid, year one
0
True monthly cost
0

Equity is real but locked: it is realised only when you sell or refinance, and it assumes the value holds. Every assumption above is a slider on the zone page. The full waterfall is in Figures.

Two ways to go further

Every number here carries its sample size and collection date. Anything resting on fewer than ten listings is withheld, not estimated. The method publishes every formula and an honest list of what would change these numbers.