---
title: "‘I Regret It Now’ – M’sian Buys RM464K Home In His 30s, Only To Realise Renting A Unit Was The Wiser Choice"
url: https://weirdkaya.com/i-regret-it-now-msian-buys-rm464k-home-in-his-30s-only-to-realise-renting-a-unit-was-the-wiser-choice/
date: 2025-01-21
modified: 2025-01-21
lang: en
author: "Jann Firdaus"
description: "For many Malaysians, buying a home is seen as a badge of success and stability. It’s the ultimate goal, drilled into us by societal norms and well-meaning advice. But what..."
categories:
  - "Society"
tags:
  - "#Trending"
  - "debt"
  - "house purchase"
  - "muflis bankrupt"
  - "regret"
  - "Rental"
  - "renting"
image: https://cdn.weirdkaya.com/media/i-regret-it-now-msian-buys-rm464k-home-in-his-30s-only-to-realise-renting-a-unit-was-the-wiser-choice.png
word_count: 391
---

# ‘I Regret It Now’ – M’sian Buys RM464K Home In His 30s, Only To Realise Renting A Unit Was The Wiser Choice

##### For many Malaysians, buying a home is seen as a badge of success and stability.

It’s the ultimate goal, drilled into us by societal norms and well-meaning advice. But what happens when that dream turns into a financial burden too heavy to bear?

One Malaysian, in a heartfelt post on the[ *Muflis Bankrupt in Malaysia* ](https://www.facebook.com/share/p/1Bp5o4SeFZ/?mibextid=wwXIfr)Facebook group, shared their personal experience of buying a home in their 30s—an experience they deeply regret.

## 'Every night, I find myself staring into the dark'

![depression](https://cdn.weirdkaya.com/media/depression.png)For illustration purposes only. Photo via Canva

At 34, the individual decided to take the plunge into homeownership. They purchased a serviced apartment, 991 square feet in size, for RM464,000.

With a monthly loan repayment of RM3,000 over 30 years and an additional RM300 maintenance fee, it seemed manageable on paper. But reality hit hard.

Earning RM4,400 a month, over 70% of their salary went straight to housing costs. The remaining amount barely covered other necessities.

**“Every night, I find myself staring into the dark, wondering how my entire paycheck is gone just to pay for this house,” they shared.**

## 'I didn’t need this house; I thought it was the right thing to do'

The post also reflected on how life was before this big decision.

Renting had been a stress-free alternative, allowing them to live comfortably without the weight of long-term debt.

Having cleared car loans and other financial commitments early in their career, they enjoyed the freedom of being debt-free.

But after working for 11 years without owning any assets, they felt the pressure to conform to societal expectations.

**“I didn’t need this house, but I wanted it because I thought it was the right thing to do,” they admitted. **

The purchase, driven more by desire than necessity, now feels like a mistake they can’t undo.

## Take your time, do the math

Looking back, they acknowledged how rushing into the decision left them feeling trapped. **“I didn’t think it through. Now I feel like I’ve been deceived by the idea that owning a house is always the right choice,” they wrote.**

Their advice to others was clear: take your time, do the math, and don’t let external pressures dictate your choices.

**“If you’re planning to buy a house, make sure you calculate everything properly. Think long and hard before making a decision you might regret.”**

**[READ ALSO:
](https://weirdkaya.com/msian-couple-buys-2-storey-house-for-rm700k-by-saving-20-of-their-income/)**

https://weirdkaya.com/msian-couple-buys-2-storey-house-for-rm700k-by-saving-20-of-their-income/

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