Buy where you work, or back home?

Three ways to get there, compared at the year you move.

1. Where you work

The home you would buy there, and what you would pay in rent instead.

Find your property

Pick one to fill in the details. You can change anything.

›Or paste a listing instead

Import from a listing

Works with any site -- just copy the listing text?

Your property

Pick the most specific location you can.

StateProperty typeDistrictMost granular -- optionalTenureLeasehold typically sells for less than freehold nearbyRegionSub-state, optional

Purchase price (RM)Floor area (sqft)Built-up size (condos: strata size), not land.Deposit (%)Mortgage rate (% p.a.)Islamic financing? Enter your profit rate here: the calculation is the same.Loan term (years)Your ageBanks end the loan by a maximum age.Partner's age (if applying together)

›Running costs of owning (optional)

These sit on top of the loan every month. Leave blank if you do not know yet; the result then shows the loan only.

Maintenance fee (RM a month)The monthly service charge. Add the sinking fund if it is billed separately. Ask the management office or check the listing.Quit rent and assessment tax (RM a year)Land and council charges. Your bill or the council can tell you.House insurance (RM a year)Fire cover the bank asks for. Your insurer can quote it.

›Other assumptions

Include stamp duty & legal feesFirst-time Malaysian buyer (stamp duty exempt up to RM500k)Date you sign the sale and purchase agreementExemption applies to SPAs signed 2026-01-01 to 2027-12-31 only.Latest age at end of loanTypical banks use about 65 to 70. Check yours.

Monthly rent for a similar home (RM)Check a similar nearby listing.assumption: your own estimate

Import a comparable rental listing

Works with any site -- just copy the listing text?

Rental deposit (months of rent)Often 2 + 1 months. Locked with the landlord, returned later.Selling costs (% of sale price)Agent fee (max 3%) + 8% SST + legal fees.Use my one-time gains tax (RPGT) exemption

2. Your home town

The home you expect to end up in.

StateDistrictNeeded for a typical price and a price check.Kind of homeTenure

Price of the home today (RM)Type the price you have in mind, or pick a district to see a typical price.

Running costs there (RM a year)Quit rent, assessment, upkeep. 0 if you do not know.Rent it out while away (RM a month)Only for the path where you buy there now. 0 keeps it empty.

When will you move?

The year you stop working in W.P. Kuala Lumpur and settle in Melaka.

Enter the price of the home in your home town to compare the three ways.

One home only? Buy vs. rent. Renting it out? Rent it out. Questions? Ask Chukup.