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Message: <blockquote data-quote="Tohsan" data-source="post: 1433023" data-attributes="member: 6705">when do you think is the right time to move out? There is no right time, as long as you are ready financially anytime is a good time.When you plan to married? That will depend on yourself, you can get married at 50 y.o but by the time your kid become 21 y.o definately u will be very very old. <img src="https://zerotohundred.com/forums/styles/default/xenforo/smilies/biggrin.gif"  class="smilie" loading="lazy" alt=":biggrin:" title="Biggrin    :biggrin:" data-shortname=":biggrin:" />When you earn monthly income minimum...?This figures is subjective everyone is different, but if u already married I guess at least you need RM4k to RM5k to settle a lot of things like homeloan,car loan,credit card, children education,petrol expenses,daily expenses for food, water bill,electricity bill, telephone bill,hobby pursuit etcMy rough estimated cost for renovating a house and buying all essential things for home.Renovation = RM10K This renovation amount is too low, everything increase in price and in construction line all the material already increase more than 10 times since 2 years back.Home tools/Kitchen tools/Bathroom and etc = RM 20KThis amount only qualify for you to go for one option oni either its for kitchen cabinets n tools or others not all three one shot.The cost above standard is not too low and not too high, just moderate.I think u need to redo your costing, becos current living cost has already skyrocketed,please check before u do any renovation.So must have at least RM30K in bank before buying a new house, that is only part 1.This one depend on how big and types of house you are looking for, perhaps a single storey landed property below RM150k will suit your budget.Part 2 = RM20K for emergency use, to use when it is needed for like cost of repairing (i.e washing machine, plumbing, electrical). This one is depend on how bad is your damage,my last damage for repair for m single storey house is RM60k for a few minor work for roof and kitchen. So everything RM50K. So this figure sudah underestimatedloh <img src="https://zerotohundred.com/forums/styles/default/xenforo/smilies/biggrin.gif"  class="smilie" loading="lazy" alt=":biggrin:" title="Biggrin    :biggrin:" data-shortname=":biggrin:" /> Yea, if I have RM50K in bank, i'll get a new house.Think carefully, i think u should increase it to RM200k before u think about new house.Wanna ask about home loan. Maximum years of loan for now is 25 years or 30 years? Let's say the house cost RM300,000 or RM400,000. I will pick maximum years to loan the house, how much should I pay monthly? What is the interest rate? No experience here.Try save up as much as possible, taking full loan will only kill your pocket in long term, in simple explanation when you take full loan for a house, the first 10 to 15 years is actually your interest payment to the bank, no deduction from principal amount paid. Thats mean you are paying for one house but in the amount of double from you actual figure.I am no expert, just a simple family man that is struggling to balance the financial figure for my own family.</blockquote>

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