Tell us two numbers: the cash you can put in, and the monthly top-up you could live with. We work out, for every zone we track, whether its median three-bedroom fits, and exactly what deposit makes the numbers work.
A zone fits when some loan margin between 50% and 90% keeps your monthly cash top-up inside your budget, and your cash covers the deposit, stamp duties, legal fees and RM20,000 of renovation at that margin.
| Zone | Median 3BR | Cash needed | Top-up / mo | Loan margin | Demand |
|---|
Each row uses the zone's median three-bedroom asking price and asking rent; your unit will differ. Zones that do not fit show the cash they would need. Figures are asking data and exclude income tax; the methodology has every assumption.