chukup
Can we afford it?
A check on one property or price · 25 October 2026
The property
- Property
- Price only, W.P. Kuala Lumpur
- Price
- RM500,000
- Type
- High-Rise, freehold
Is the price fair?
- Compared with recent sales
- Not checked. Choose a district and type, or search the property, to compare with recent sales.
Can we afford it?
- Verdict
- Comfortable
- Loan
- RM450,000 at 4% over 30 years, 10% deposit
- Monthly loan payment
- RM2,148
- Monthly cost of owning
- loan only: maintenance, land charges and insurance not entered
- Debt ratio
- 33% of income (your bank's limit: 60%)
- If rates rise 1.5 points
- RM2,555 a month, 38% of income
- If income stops
- about RM2,648 a month short (before living costs)
Cash at signing
- Deposit
- RM50,000
- Stamp duty and legal fees
- RM10,260
- Total
- RM60,260
Our figures
- Household income
- RM8,000 a month
- Other monthly commitments
- RM500
Assumptions
- Loan setup
- 4% over 30 years, 10% deposit
Data: NAPIC sales to June 2026; MHPI price index; banks' disclosure sheets (late 2025).
Chukup is a planning tool, not financial advice, a valuation or a loan approval. Figures are estimates from public data and models, and may be wrong. Only a bank can approve a loan: confirm rates, fees and rules with it. Bank rates shown elsewhere on Chukup are illustrations from banks' own disclosure sheets, not offers. "Is the price fair?" compares with recent recorded sales and is not a valuation.