Buying a home in Malaysia is already stressful enough, but one Threads post has sparked a heated debate after a property advisor claimed he helped a young couple purchase a landed house despite their combined income being around RM6,000.
The post quickly went viral, with many netizens questioning whether the couple could comfortably afford the commitment in the long run.
Helped couple buy house below RM600k
In the original post, the property advisor shared that he had helped a young couple, both aged 26, buy a house.
According to him, the couple had a combined income of RM6,000+, and the property was priced below RM600,000 with cashback of around RM50,000.
He also later clarified in the replies that the property was not a townhouse, but a double-storey landed house.
The post has since gained attention on Threads, with many Malaysians surprised that a couple with that income range could secure such a property.
Netizens question the monthly commitment
Many commenters were quick to point out that a home in that price range could come with a heavy monthly repayment.
Some estimated that a RM600,000 property could mean a monthly instalment of around RM3,000, depending on the loan, interest rate, and tenure.
Others also raised concerns about the extra costs that come after getting the keys, including maintenance fees, utilities, Indah Water bills, assessment tax, quit rent, renovation, and household items.
One commenter said the couple might only feel the pressure later, while another described the purchase as potentially risky if their future income or promotion plans are not guaranteed yet.
Several netizens also criticised the agent, saying that while making a sale is important, buyers should not be encouraged to stretch themselves too far financially.
Some defend the couple
However, not everyone agreed with the criticism.
Some netizens said outsiders should not be too quick to judge, as people may have other financial support, savings, side income, or assets that are not shown on their payslip.
One commenter pointed out that banks would not simply approve a housing loan if the applicants were not eligible.
Another said that if the couple had done their planning and understood the commitment, then the decision should be left to them.
Responding to the backlash, the property advisor said he did not simply accept a booking after knowing the client’s income.
He claimed he had explained the possible consequences and commitments involved, and had provided a detailed financial projection for the next 10 years using maximum calculations.
According to him, the couple was also given around two months to think before proceeding with the booking and purchase.
He added that he had reminded them throughout the loan process to plan their finances properly.
Couple allegedly rented for RM2,000 previously
In another reply, the property advisor said the couple had previously been renting a place for RM2,000 a month.
He also claimed that the cashback from the purchase could help cover the monthly payment for at least two years.
When asked about hidden charges, the property advisor said he had already calculated the costs during viewing and explained the expenses after getting the keys.
He also said maintenance fees and sinking fund were included in the discussion, while variable figures were calculated using maximum estimates.
