Pensive 1st Gear August 19, 2013 Share August 19, 2013 5k ringgit salary not enough in Malaysia? I thot there cost of living is lower. Im sorry if i posted this coz non Singaporean news :p 早安，马来西亚。一个月薪5000令吉的上班族，七除八扣所有政府缴费和房贷、车贷后，余下的可支配收入(Disposable Income)只剩1438令吉。但这些可支配收入却有另外的必须用途。一般上，城镇人士多数都会有下列月常开销和财政负担，皆是十分保守的估计：食物与杂货300令吉、环宇电视、上网及电话费共150令吉、汽油250令吉、泊车费100令吉、出外应酬吃饭150令吉、保险50令吉、孩子教育费用200令吉、保健医药费50令吉，合共开销1250令吉。若将1438令吉可支配收入扣除上述1250令吉杂项开销，净储蓄仅剩188令吉。事实上，银行借贷利率并非永久保持不变。假设45万令吉房贷利率升到6.6%分30年摊还，每月房贷摊还会增至2874令吉，就算车贷摊还期和利率保持不变，每月房、车贷会增至3394令吉，扣除之后，可支配收入只剩778令吉。如果每月杂项开销仍然保持在上述1250令吉水平，778减1250等于负数472令吉！这个人不但是“月光族”，而且必须举债度日！所以说，月入5000令吉是穷人，也是举国家债高飙的导因。今年3月份数据显示，44.6%的家债（总值3502亿令吉）是属于房贷，17.6%家债（总值1382亿令吉）是车贷，而16.8%家债（1319亿令吉）是属于个人借贷，并不包括被信用卡笼络的卡奴债务。根据国家银行数据，我国家债总额现今已高达国家生产总值（GDP）的83%，对比之下，2009年家债只占GDP的70%，三年涨幅偏高，我还没听到财政部长纳吉为国民解危的对策。银行界有个传说，由于现在国债家债高企，国家银行不能随意调高借贷利率，也许，这个假象让那些被家债捆绑的月光族，短期内尚有喘息的机会。但是，过去三年中央政府无法依就承诺兑现高收入社会的雏形绩效，原因又何在？我的解释是政府挥霍无度、理财不善、本末倒置、自身难保。下期再谈。By : Ben Wong ↡ Advertisement 2 Link to post Share on other sites More sharing options...
Watwheels Supersonic August 19, 2013 Share August 19, 2013 If earn RM5K/mth but spent RM6K/mth, very soon will become beggar. If a person dun have that kinda money but live a lifestyle that's beyond his means, how many K he earns also consider poor. Right anot? 1 Link to post Share on other sites More sharing options...
ChickenMob 6th Gear August 19, 2013 Share August 19, 2013 Earn how much will also never be enough no matter who or where you are. it all depends on your lifestyle. Link to post Share on other sites More sharing options...
Ben5266 Supercharged August 19, 2013 Share August 19, 2013 That person bought half millon property mah... loan $450k. ... now no disposable income... govt fault! 1 Link to post Share on other sites More sharing options...
Joseph22 Turbocharged August 19, 2013 Share August 19, 2013 That person bought half millon property mah... loan $450k. ... now no disposable income... govt fault! Boleh land buy so expensive really asking for trouble lor. Link to post Share on other sites More sharing options...
Picnic06-Biante15 Supersonic August 19, 2013 Share August 19, 2013 5k ringgit salary not enough in Malaysia? I thot there cost of living is lower. Im sorry if i posted this coz non Singaporean news :p 早安，马来西亚。 一个月薪5000令吉的上班族，七除八扣所有政府缴费和房贷、车贷后，余下的可支配收入(Disposable Income)只剩1438令吉。但这些可支配收入却有另外的必须用途。 一般上，城镇人士多数都会有下列月常开销和财政负担，皆是十分保守的估计：食物与杂货300令吉、环宇电视、上网及电话费共150令吉、汽油250令吉、泊车费100令吉、出外应酬吃饭150令吉、保险50令吉、孩子教育费用200令吉、保健医药费50令吉，合共开销1250令吉。若将1438令吉可支配收入扣除上述1250令吉杂项开销，净储蓄仅剩188令吉。 事实上，银行借贷利率并非永久保持不变。假设45万令吉房贷利率升到6.6%分30年摊还，每月房贷摊还会增至2874令吉，就算车贷摊还期和利率保持不变，每月房、车贷会增至3394令吉，扣除之后，可支配收入只剩778令吉。如果每月杂项开销仍然保持在上述1250令吉水平，778减1250等于负数472令吉！这个人不但是"月光族"，而且必须举债度日！所以说，月入5000令吉是穷人，也是举国家债高飙的导因。 今年3月份数据显示，44.6%的家债（总值3502亿令吉）是属于房贷，17.6%家债（总值1382亿令吉）是车贷，而16.8%家债（1319亿令吉）是属于个人借贷，并不包括被信用卡笼络的卡奴债务。 根据国家银行数据，我国家债总额现今已高达国家生产总值（GDP）的83%，对比之下，2009年家债只占GDP的70%，三年涨幅偏高，我还没听到财政部长纳吉为国民解危的对策。 银行界有个传说，由于现在国债家债高企，国家银行不能随意调高借贷利率，也许，这个假象让那些被家债捆绑的月光族，短期内尚有喘息的机会。但是，过去三年中央政府无法依就承诺兑现高收入社会的雏形绩效，原因又何在？我的解释是政府挥霍无度、理财不善、本末倒置、自身难保。下期再谈。 By : Ben Wong RM5k = S$2,200 a month... Single can lar but married with kids ... Link to post Share on other sites More sharing options...
Vid Hypersonic August 19, 2013 Share August 19, 2013 RM5k = S$2,200 a month... Single can lar but married with kids ... In Singapore can buy 3 room liao leh. LHL say one Link to post Share on other sites More sharing options...
ChickenMob 6th Gear August 19, 2013 Share August 19, 2013 but 5k in Malaysia there can keep at least 3 kids liow leh......dun say spend like a king still enough for them to carry on. Sg maybe with kids cannot. Link to post Share on other sites More sharing options...
RadX Moderator August 19, 2013 Share August 19, 2013 In Singapore can buy 3 room liao leh. LHL say one knn...my car i spend more...muahahahah [:p] Link to post Share on other sites More sharing options...
TVT Supercharged August 19, 2013 Share August 19, 2013 It is possible. Things in Malaysia aren't cheap anymore. Just go to their supermarket and food court to see the prices and you'll know... Link to post Share on other sites More sharing options...
Wt_know Supersonic August 19, 2013 Share August 19, 2013 (edited) RM$5k in big city like KL, JB, Penang = poor (house & car mortgage already take > 50% of take home pay) RM$5K in small town like Batu Pahat, Melaka, Ipoh = above average = can live happily liao Edited August 19, 2013 by Wt_know Link to post Share on other sites More sharing options...
RadX Moderator August 19, 2013 Share August 19, 2013 RM$5k in big city like KL, JB, Penang = poor (house & car mortgage already take > 50% of take home pay) RM$5K in small town like Batu Pahat, Melaka, Ipoh = above average = can live happily liao yup. Those professionals who work here, earning abt $5k SGD, earn more than minister leh over there, er the publicised salary of cos Link to post Share on other sites More sharing options...
Wt_know Supersonic August 19, 2013 Share August 19, 2013 (edited) to ts, in singapore household income $5k considered rich? probably borderline to low income group based on govt $4k and below subsidy for hdb Edited August 19, 2013 by Wt_know Link to post Share on other sites More sharing options...
RadX Moderator August 19, 2013 Share August 19, 2013 to ts, in singapore household income $5k considered rich? is the new poor......really Link to post Share on other sites More sharing options...
Watwheels Supersonic August 19, 2013 Share August 19, 2013 In Singapore can buy 3 room liao leh. LHL say one Can afford. The key word is "afford". But M'sian not eligible. Link to post Share on other sites More sharing options...
Joseph22 Turbocharged August 19, 2013 Share August 19, 2013 In Singapore can buy 3 room liao leh. LHL say one in johor can buy landed liao. Link to post Share on other sites More sharing options...
Picnic06-Biante15 Supersonic August 19, 2013 Share August 19, 2013 to ts, in singapore household income $5k considered poor? probably borderline to low income group based on govt $4k and below subsidy for hdb border line lar .... you see, crane operator gets S$7k (minister say one), that 'taxi' driver gets S$9k (newspaper says one) .... Link to post Share on other sites More sharing options...
Vid Hypersonic August 19, 2013 Share August 19, 2013 knn...my car i spend more...muahahahah [:p] You different class mah. Your biggest worry is when to change car ↡ Advertisement Link to post Share on other sites More sharing options...
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