{"id":116457,"date":"2025-08-15T15:38:46","date_gmt":"2025-08-15T07:38:46","guid":{"rendered":"https:\/\/iqiglobal.com\/blog\/?p=116457"},"modified":"2025-08-15T15:40:36","modified_gmt":"2025-08-15T07:40:36","slug":"buy-house-as-single","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/cn\/buy-house-as-single\/","title":{"rendered":"\u5355\u8eab\u4e70\u623f\u538b\u529b\u5927\uff1f\u6559\u4f604\u4e2a\u5b9e\u7528\u65b9\u6cd5\uff0c\u4e00\u4e2a\u4eba\u4e5f\u80fd\u5b9e\u73b0\u4e70\u623f\u68a6\uff01"},"content":{"rendered":"\n

本篇部分内容是由IQI旗下房地产中介<\/em>Yanie Johan<\/mark><\/em><\/strong><\/a>提供。<\/em> <\/p>\n\n\n\n

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单身买房难，这句话并没有错。<\/strong> <\/p>\n\n\n\n
在当前生活成本高涨的经济环境下，靠一个人的收入来负担日常开销——如房租、交通、伙食等，已经让不少人捉襟见肘，更别说存钱买房了。 <\/p>\n\n\n\n
尽管如此，越来越多单身族仍然不愿放弃 “拥有一间属于自己的房子<\/strong>” 的梦想。 <\/p>\n\n\n\n
他们开始积极寻找方法，证明单身也能买房——这不是遥不可及的目标<\/strong>。 <\/p>\n\n\n\n
市场趋势也反映了这一现象——发展商陆续推出更多小型单位<\/a>，正是为了迎合这群逐渐增长的单身买房者。  <\/p>\n\n\n\n
你可能会想：“找个人联名买房不是更轻松？” 确实如此，但联名买房<\/a>并不是多数人的首选方式。 <\/p>\n\n\n\n
那为什么越来越多单身族选择独立买房<\/strong>？他们又是如何跨越经济门槛、实现买房目标<\/strong>的？ <\/p>\n\n\n\n
\n\n\n\n阅读内容：<\/h2>
1. 为什么现在越来越多人选择单身就买房？ <\/a>
i. 独立意识提升，买房观念更前卫 <\/a><\/li>
ii. 小型房产选择更多，单身买房更容易入门 <\/a><\/li><\/ul><\/li>
2. 4个实用招数教单身的你更快实现买房理想！ <\/a>
i. 做好财务规划 <\/a><\/li>
ii. 发展副业，提升收入能力 <\/a><\/li>
iii. 善用政府与银行的买房优惠 <\/a><\/li>
iv. 买房出租也是一个方法 <\/a><\/li><\/ul><\/li>
常见问题（FAQ）： <\/a><\/li><\/ul><\/div>\n\n\n\n
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1. 为什么现在越来越多人选择单身就买房？<\/strong> <\/h2>\n\n\n\ni. 独立意识提升，买房观念更前卫<\/strong> <\/h3>\n\n\n\n
$\"单身买房，单身女性喜提新房\"$ <\/figure>\n<\/div>\n\n\n
如今，越来越多年轻人选择不急于步入婚姻，单身人口持续上升<\/strong>。 <\/p>\n\n\n\n
拉曼大学（UTAR）敦陈祯禄社会与政策研究中心（TCLC）的调查结果<\/a>也显示了这一趋势正反映了现代人独立意识的增强。 <\/p>\n\n\n\n
“结婚后才买房” 的传统观念已经逐渐被取代。 <\/p>\n\n\n\n
现在的年轻人更倾向于先拥有属于自己的空间，实现生活自主<\/strong>，而不再等待伴侣出现才做决定。 <\/p>\n\n\n\n
同时，买房也被视为对抗通货膨胀的稳健投资方式，比银行定存（FD）更具保值性<\/strong>。 <\/p>\n\n\n\n
对许多女性而言，拥有一套属于自己的房子，除了象征经济独立，也带来更强的安全感与掌控感<\/strong>。 <\/p>\n\n\n\n
ii. 小型房产选择更多，单身买房更容易入门<\/strong> <\/h3>\n\n\n
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$\"单身买房，温馨的小空间已足够一人的日常起居\"$ <\/figure>\n<\/div>\n\n\n
随着单身人口不断增加，房地产市场的产品结构也随之调整，发展商推出了更多适合单身人士或小家庭的小型住宅单位，当中包括： <\/p>\n\n\n\n
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Studio 公寓<\/strong>：卧室、客厅、厨房合一，适合一个人居住 <\/li>\n<\/ul>\n\n\n\n
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一房一厅公寓<\/strong>：拥有独立卧室和客厅，功能分区更完整 <\/li>\n<\/ul>\n\n\n\n
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SOHO 单位（Small Office Home Office）<\/strong>：可住可办公，弹性高 <\/li>\n<\/ul>\n\n\n\n
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服务式公寓<\/strong>：配套齐全，安全便利 <\/li>\n<\/ul>\n\n\n\n
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经济型组屋<\/strong>：政府或发展商推出的低价房产，专为低收入群体设计 <\/li>\n<\/ul>\n\n\n\n
市场上的小型房产种类的多样化满足了不同生活需求，也让单身族更容易找到理想房子，进一步提升他们独立购房的意愿。 <\/p>\n\n\n\n
2. 4个实用招数教单身的你更快实现买房理想！<\/strong> <\/h2>\n\n\n\n
那么来到最关键的问题：有什么方法可以让自己更快买房呢？<\/strong><\/p>\n\n\n\n
i. 做好财务规划<\/strong> <\/h3>\n\n\n\n
良好的财务规划，是实现买房梦想的关键第一步。 <\/p>\n\n\n\n
在了解自己的收入情况后，首要任务是设定一个清晰目标：在我能力范围内，能买到什么样的房子？<\/strong> <\/p>\n\n\n\n
你可能会想：我知道自己想要什么，但不知道该找哪种房子才适合。<\/strong> <\/p>\n\n\n\n
这时候，寻求专业帮助就非常重要<\/strong>。你可以联系像 <\/strong>IQI 这样的专业房地产中介团队<\/mark><\/strong><\/a>，依照你的预算和需求，帮你筛选出最合适的小型房产。 <\/p>\n\n\n
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$\"单身买房，房地产中介给予单身客户实用买房建议\"$ <\/figure>\n<\/div>\n\n\n
接下来，你就能明确知道自己需要准备多少首付和交易费用，并开始做储蓄规划<\/strong>。 <\/p>\n\n\n\n
这里推荐使用 50-30-20 理财法则<\/strong>： <\/p>\n\n\n\n
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50% 用于生活必需品 <\/li>\n<\/ul>\n\n\n\n
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30% 用于个人娱乐消费 <\/li>\n<\/ul>\n\n\n\n
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20% 用于储蓄与投资 <\/li>\n<\/ul>\n\n\n\n
同时，这里建议优先建立一个“购房基金专户”<\/strong>，并通过自动转账的方式进行强制储蓄<\/strong>，避免自己轻易动用这笔钱。 <\/p>\n\n\n
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$\"单身买房，单身女性做好买房财务规划\"$ <\/figure>\n<\/div>\n\n\n
最后，别忽略银行在审批房贷时非常重视的一个指标：债务偿还比率 DSR（Debt Service Ratio）<\/strong>。 <\/p>\n\n\n\n
切记提前清还信用卡、车贷等高利息负债<\/strong>，维持良好的财务状况，让银行更容易批准你的贷款申请。<\/p>\n\n\n\n
ii. 发展副业，提升收入能力<\/strong> <\/h3>\n\n\n\n
当现有月薪难以支持你购买理想房产，是时候开拓额外收入来源<\/strong>了。 <\/p>\n\n\n\n
你可以选择自由职业如会计、设计、翻译，或尝试热门副业如电商、内容创作、自媒体经营等<\/strong>。 <\/p>\n\n\n\n
如果不知道从哪里开始，这里还有一篇<\/strong><\/a>整理了2025年最受欢迎的6种兼职副业<\/strong>，为你提供实用的灵感。 <\/p>\n\n\n
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$\"单身买房，寻找副业提高收入，积攒买房基金\"$ <\/figure>\n<\/div>\n\n\n
当副业逐渐稳定后，你也可以选择报税并正规化收入<\/strong>，这样银行在评估房贷时会将其视为合法收入，从而有助于提高你的贷款额度<\/strong>。 <\/p>\n\n\n\n
短期来看，副业能加快储蓄进度，更快存到首付<\/strong>；长期而言，主业加上副业的双重收入，再配合良好的财务规划，将大幅提升你的整体财务安全与买房能力<\/strong>。 <\/p>\n\n\n\n
iii. 善用政府与银行的买房优惠<\/strong> <\/h3>\n\n\n\n
无论是政府还是银行，近年来都推出了多项针对首购族的买房支持，特别适合年轻单身族群。 <\/p>\n\n\n
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$\"单身买房，政府给予协助的组屋\"$ <\/figure>\n<\/div>\n\n\n
a. 可负担房屋（RMM） <\/a><\/strong><\/p>\n\n\n\n
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覆盖区域：由州政府提供<\/strong>（例如雪兰莪、柔佛、槟城）    <\/li>\n<\/ul>\n\n\n\n
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房价：从RM200,000 至 RM300,000<\/strong>不等    <\/li>\n<\/ul>\n\n\n\n
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申请资格：18 岁以上马来西亚公民，家庭收入低于RM5,000<\/strong>    <\/li>\n<\/ul>\n\n\n\n\n
主要受惠群体：首购族   <\/strong><\/li>\n<\/ul>\n\n\n\nb. 人民组屋计划 Program Perumahan Rakyat（PPR）<\/a> <\/strong><\/p>\n\n\n\n
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由房屋及地方政府部建造和管理  <\/strong>  <\/li>\n<\/ul>\n\n\n\n
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主要受惠群体：B40群体，通常月收入低于 RM3,000 <\/strong>   <\/li>\n<\/ul>\n\n\n\n
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租金：每月RM124 <\/strong>  <\/li>\n<\/ul>\n\n\n\n
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房价：RM35,000 至 RM45,000    <\/strong><\/li>\n<\/ul>\n\n\n\n\n
特点：位于高密度地区，通常配备基本设施 <\/strong>   <\/li>\n<\/ul>\n\n\n\n
c. 联邦住宅（Residensi Wilayah）<\/a> <\/strong><\/p>\n\n\n\n
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主要受惠群体：居住在联邦直辖区的中等收入群体（M40）<\/strong> <\/li>\n<\/ul>\n\n\n\n
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覆盖区域：吉隆坡、布城、纳闽  <\/strong><\/li>\n<\/ul>\n\n\n\n
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房价：不超过 RM300,000<\/strong><\/li>\n\n\n\n
申请条件：21岁及以上、单身或家庭月收入不超过 RM10,000<\/strong><\/li>\n<\/ul>\n\n\n\n
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融资支持：与选定银行合作提供高贷款配套<\/strong><\/li>\n<\/ul>\n\n\n\n\n
特点：优先照顾在直辖区工作或居住者，单位多建于城市热点区<\/strong><\/li>\n<\/ul>\n\n\n\n
d. 首房计划 Skim Rumah Pertamaku (SRP) <\/mark><\/a><\/strong><\/p>\n\n\n\n
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主要受惠群体：首购族<\/strong> <\/li>\n<\/ul>\n\n\n\n
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申请条件：个人月收入低于 RM5,000 或是家庭月收入低于 RM10,000<\/strong> <\/li>\n<\/ul>\n\n\n\n
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融资支持：可获得高达110%的贷款（特定银行）<\/strong> <\/li>\n<\/ul>\n\n\n\n\n
房价：低于 RM500,000 <\/strong><\/li>\n<\/ul>\n\n\n\ne. 一马房屋计划（PR1MA）<\/a><\/strong><\/p>\n\n\n\n
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主要受惠群体：全国中等收入群体（M40） <\/strong><\/li>\n\n\n\n
房价：RM100,000 至 RM400,000<\/strong><\/li>\n\n\n\n
申请条件：21岁及以上、月收入介于 RM2,500 – RM15,000<\/strong><\/li>\n\n\n\n
房屋类型：有排屋、公寓、双层屋等多样房型选择<\/strong><\/li>\n\n\n\n
特点：鼓励自住用途，项目遍布全国<\/strong><\/li>\n\n\n\n
融资支持：可享高达 100% 房贷及 “特定终身融资” 计划<\/strong><\/li>\n<\/ul>\n\n\n\n
想买房的单身族也可综合自身的情况，再看看自己是否符合以下的几个政府买房援助计划来助自己更快地买上房子。<\/p>\n\n\n\n
iv. 买房出租也是一个方法<\/strong> <\/h3>\n\n\n\n
买了房却只住一间，剩下的房间拿来出租，用租金来还房贷或存作下一套房的首付<\/strong>——这种 “以租养贷” <\/strong>的方式到底行得通吗？ <\/p>\n\n\n
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$\"单身买房，买房出租\"$ <\/figure>\n<\/div>\n\n\n
答案是：完全可行<\/strong>。而且现在已经有越来越多人实践这个策略，让自己一边住、一边收租，直接开启 “房东人生”。 <\/p>\n\n\n\n
这不仅减轻了还贷负担，还能建立一份稳定的被动收入，变相成为一种实用的副业。 <\/p>\n\n\n\n
简单来说，买房出租的核心优势在于用租金来覆盖部分甚至全部房贷<\/strong>，让你更快实现拥有房子的目标。<\/p>\n\n\n\n<\/iframe>\n\n\n\n<p>你接下来可能想问：<strong>要怎么开始这条 “买房收租路” ？过程复杂吗？需要注意什么？<\/strong> <\/p>\n\n\n\n<p>别担心，<a href=\"https:\/\/iqiglobal.com\/blog\/cn\/buy-house-to-rent-in-malaysia\/\" target=\"_blank\" rel=\"noreferrer noopener\">这篇文章<\/a>已经帮你整理好关键步骤和实用建议，让你少走弯路，快速上手！ <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p>单身买房的确会比联名买房在经济上更具挑战，但这并不代表不可能。 <\/p>\n\n\n\n<p>从精明储蓄、寻找副业，到选择适合自己的小型房产，每一个决定都将一步步拉近你与理想房子的距离。 <\/p>\n\n\n\n<p>别让单身成为买房阻碍，你也可以独立完成买房梦，实现属于自己的生活空间与财务自由。 <\/p>\n\n\n\n<p><strong>现在就开始规划，让 “一个人也能拥有家” 不再只是梦想。 <\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-常见问题-faq-nbsp\">常见问题（FAQ）： <\/h2>\n\n\n\n<div class=\"wp-block-esab-accordion esab-c1a5sj5l\" data-mode=\"global\"><div class=\"esab__container\">\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\"><strong>1. 单身买房还是联名买房更好？ <\/strong><\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p><strong>单身买房和联名买房各有优缺点<\/strong>，哪个更适合还需要依据个人情况和需求来决定。单身买房的优势在于<strong>完全自主，不用考虑其他人的意见，但经济压力较大<\/strong>。联名买房可以<strong>分担经济压力，但可能涉及复杂的法律和财务问题<\/strong>。 <\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\"><strong>2. 单身能够买房吗？<\/strong> <\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>单身人士<strong>完全可以自己买房<\/strong>。这当中最大的挑战在于<strong>必须独自承担所有购房费用<\/strong>，但只要<strong>收入稳定、财务规划得当，并选择适合自己能力范围的房产，获得房贷并不是难事<\/strong>。只要坚持目标，买房梦并不遥远。 <\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\"><strong>3. 单身申请房贷难吗？ <\/strong><\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p><strong>不难<\/strong>，只要<strong>有稳定收入、良好的信用记录和适当的债务比例（DSR）<\/strong>，单身人士在马来西亚一样能顺利申请房贷。其中，<strong>选择合适价位的房产<\/strong>更能<strong>提高通过率<\/strong>。 <\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\"><strong>4. 单身怎么买到第一套房？ <\/strong><\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>单身族若想成功买下第一套房，除了要有稳定的收入和良好的财务规划，还可以善用政府为首购族推出的买房优惠计划，例如<strong>可负担房屋（RMM）、Skim Rumah Pertamaku (SRP) 等<\/strong>，帮助你获得更高的贷款额度，减轻购房负担。 <\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\"><strong>5. 买房出租划算吗？ <\/strong><\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>是的，如果你想减轻房贷压力，将房子出租，<strong>用租金来偿还贷款是一个实用的方式<\/strong>。你不但能<strong>缓解月供负担<\/strong>，还<strong>可能带来额外的被动收入<\/strong>。 <\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p><em>本篇部分内容是由IQI旗下房地产中介<\/em><a href=\"https:\/\/iqiglobal.com\/agent\/dewi-rahmayani-bt-johan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Yanie Johan<\/mark><\/em><\/strong><\/a><em>提供。<\/em> <\/p>\n\n\n\n<p>Yanie 是 <a href=\"https:\/\/irealty.my\/\" target=\"_blank\" rel=\"noreferrer noopener\">IQI IRealty Group<\/a> 的联合创始人之一，同时也是一名经验丰富的房地产中介。自团队成立十余年来，她始终致力于为客户寻找最符合他们理想的家。<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">你是正准备买房的单身人士吗？想找人帮你筛选适合自己的房子？赶紧联系 IQI 的专业房地产中介，让我们根据你的需求与预算，为你找出理想中的 dream house！<\/mark><\/strong><\/p>\n\n\n\n\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/leads\/blog\/invest\" method=\"post\">\n\t\t<input type=\"hidden\" name=\"previous_url\" value=\"\">\n <input type=\"hidden\" name=\"action\" value=\"custom_blog_form\">\n\t\t<input type=\"hidden\" name=\"consent_agreement\" value=\"0\">\n\t\t<input type=\"hidden\" name=\"current_url\" value=\"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/116457\">\n\n <input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"6b95b28ced\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/blog\/wp-json\/wp\/v2\/posts\/116457\" \/>\n <div class=\"custom-lead-form-div\">\n <label class=\"custom-lead-form-label\" for=\"full_name\">Full Name:<\/label><br>\n <input type=\"text\" name=\"full_name\" class=\"full-width-input custom-lead-form-input\" required>\n <\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n <label class=\"custom-lead-form-label\" for=\"country\">Location:<\/label><br>\n <select name=\"location\" class=\"full-width-input custom-lead-form-input\" required>\n <option value=\"\">Select your location<\/option>\n\t\t\t\t\t<optgroup label=\"Malaysia\">\n\t\t\t\t\t\t<option value=\"Johor\">Johor<\/option><option value=\"Kedah\">Kedah<\/option><option value=\"Kuala Lumpur\">Kuala Lumpur<\/option><option value=\"Melaka\">Melaka<\/option><option value=\"Negeri Sembilan\">Negeri Sembilan<\/option><option value=\"Pahang\">Pahang<\/option><option value=\"Penang\">Penang<\/option><option value=\"Perak\">Perak<\/option><option value=\"Perlis\">Perlis<\/option><option value=\"Sabah\">Sabah<\/option><option value=\"Sarawak\">Sarawak<\/option><option value=\"Selangor\">Selangor<\/option><option value=\"Terengganu\">Terengganu<\/option>\t\t\t\t\t<\/optgroup>\n\t\t\t\t\t<optgroup label=\"Other Countries\">\n\t\t\t\t\t\t<option value=\"Afghanistan\">Afghanistan<\/option><option value=\"Albania\">Albania<\/option><option value=\"Algeria\">Algeria<\/option><option value=\"American Samoa\">American Samoa<\/option><option value=\"Andorra\">Andorra<\/option><option value=\"Angola\">Angola<\/option><option value=\"Anguilla\">Anguilla<\/option><option value=\"Antarctica\">Antarctica<\/option><option value=\"Antigua and Barbuda\">Antigua and Barbuda<\/option><option value=\"Argentina\">Argentina<\/option><option value=\"Armenia\">Armenia<\/option><option value=\"Aruba\">Aruba<\/option><option value=\"Ashmore and Cartier\">Ashmore and Cartier<\/option><option value=\"Australia\">Australia<\/option><option value=\"Austria\">Austria<\/option><option value=\"Azerbaijan\">Azerbaijan<\/option><option value=\"Bahrain\">Bahrain<\/option><option value=\"Baker Island\">Baker Island<\/option><option value=\"Bangladesh\">Bangladesh<\/option><option value=\"Barbados\">Barbados<\/option><option value=\"Bassas da India\">Bassas da India<\/option><option value=\"Belarus\">Belarus<\/option><option value=\"Belgium\">Belgium<\/option><option value=\"Belize\">Belize<\/option><option value=\"Benin\">Benin<\/option><option value=\"Bermuda\">Bermuda<\/option><option value=\"Bhutan\">Bhutan<\/option><option value=\"Bolivia\">Bolivia<\/option><option value=\"Bonaire\">Bonaire<\/option><option value=\"Bosnia and Herzegovina\">Bosnia and Herzegovina<\/option><option value=\"Botswana\">Botswana<\/option><option value=\"Bouvet Island\">Bouvet Island<\/option><option value=\"Brazil\">Brazil<\/option><option value=\"British Indian Ocean Territory\">British Indian Ocean Territory<\/option><option value=\"British Virgin Islands\">British Virgin Islands<\/option><option value=\"Brunei Darussalam\">Brunei Darussalam<\/option><option value=\"Bulgaria\">Bulgaria<\/option><option value=\"Burkina Faso\">Burkina Faso<\/option><option value=\"Burundi\">Burundi<\/option><option value=\"Cambodia\">Cambodia<\/option><option value=\"Cameroon\">Cameroon<\/option><option value=\"Canada\">Canada<\/option><option value=\"Cape Verde\">Cape Verde<\/option><option value=\"Cayman Islands\">Cayman Islands<\/option><option value=\"Central African Republic\">Central African Republic<\/option><option value=\"Chad\">Chad<\/option><option value=\"Chile\">Chile<\/option><option value=\"China\">China<\/option><option value=\"Christmas Island\">Christmas Island<\/option><option value=\"Clipperton Island\">Clipperton Island<\/option><option value=\"Cocos (Keeling) Islands\">Cocos (Keeling) Islands<\/option><option value=\"Colombia\">Colombia<\/option><option value=\"Comoros\">Comoros<\/option><option value=\"Congo, Democratic Republic of the\">Congo, Democratic Republic of the<\/option><option value=\"Congo, Republic of the\">Congo, Republic of the<\/option><option value=\"Cook Islands\">Cook Islands<\/option><option value=\"Coral Sea Islands\">Coral Sea Islands<\/option><option value=\"Costa Rica\">Costa Rica<\/option><option value=\"Cote d'Ivoire\">Cote d'Ivoire<\/option><option value=\"Croatia\">Croatia<\/option><option value=\"Cuba\">Cuba<\/option><option value=\"Curacao\">Curacao<\/option><option value=\"Cyprus\">Cyprus<\/option><option value=\"Czech Republic\">Czech Republic<\/option><option value=\"Denmark\">Denmark<\/option><option value=\"Djibouti\">Djibouti<\/option><option value=\"Dominica\">Dominica<\/option><option value=\"Dominican Republic\">Dominican Republic<\/option><option value=\"East Timor\">East Timor<\/option><option value=\"Ecuador\">Ecuador<\/option><option value=\"Egypt\">Egypt<\/option><option value=\"El Salvador\">El Salvador<\/option><option value=\"Equatorial Guinea\">Equatorial Guinea<\/option><option value=\"Eritrea\">Eritrea<\/option><option value=\"Estonia\">Estonia<\/option><option value=\"Ethiopia\">Ethiopia<\/option><option value=\"Europa Island\">Europa Island<\/option><option value=\"Falkland Islands\">Falkland Islands<\/option><option value=\"Faroe Islands\">Faroe Islands<\/option><option value=\"Fiji\">Fiji<\/option><option value=\"Finland\">Finland<\/option><option value=\"France\">France<\/option><option value=\"French Guiana\">French Guiana<\/option><option value=\"French Polynesia\">French Polynesia<\/option><option value=\"French Southern and Antarctic Lands\">French Southern and Antarctic Lands<\/option><option value=\"Gabon\">Gabon<\/option><option value=\"Gaza Strip\">Gaza Strip<\/option><option value=\"Georgia\">Georgia<\/option><option value=\"Germany\">Germany<\/option><option value=\"Ghana\">Ghana<\/option><option value=\"Gibraltar\">Gibraltar<\/option><option value=\"Glorioso Islands\">Glorioso Islands<\/option><option value=\"Greece\">Greece<\/option><option value=\"Greenland\">Greenland<\/option><option value=\"Grenada\">Grenada<\/option><option value=\"Guadeloupe\">Guadeloupe<\/option><option value=\"Guam\">Guam<\/option><option value=\"Guatemala\">Guatemala<\/option><option value=\"Guernsey\">Guernsey<\/option><option value=\"Guinea\">Guinea<\/option><option value=\"Guinea-Bissau\">Guinea-Bissau<\/option><option value=\"Guyana\">Guyana<\/option><option value=\"Haiti\">Haiti<\/option><option value=\"Heard Island and McDonald Islands\">Heard Island and McDonald Islands<\/option><option value=\"Holy See\">Holy See<\/option><option value=\"Honduras\">Honduras<\/option><option value=\"Hong Kong (SAR)\">Hong Kong (SAR)<\/option><option value=\"Howland Island\">Howland Island<\/option><option value=\"Hungary\">Hungary<\/option><option value=\"Iceland\">Iceland<\/option><option value=\"India\">India<\/option><option value=\"Indonesia\">Indonesia<\/option><option value=\"Iran\">Iran<\/option><option value=\"Iraq\">Iraq<\/option><option value=\"Ireland\">Ireland<\/option><option value=\"Isle of Man\">Isle of Man<\/option><option value=\"Israel\">Israel<\/option><option value=\"Italy\">Italy<\/option><option value=\"Jamaica\">Jamaica<\/option><option value=\"Japan\">Japan<\/option><option value=\"Jarvis Island\">Jarvis Island<\/option><option value=\"Jersey\">Jersey<\/option><option value=\"Johnston Atoll\">Johnston Atoll<\/option><option value=\"Jordan\">Jordan<\/option><option value=\"Juan de Nova Island\">Juan de Nova Island<\/option><option value=\"Kazakhstan\">Kazakhstan<\/option><option value=\"Kenya\">Kenya<\/option><option value=\"Kingman Reef\">Kingman Reef<\/option><option value=\"Kiribati\">Kiribati<\/option><option value=\"Kuwait\">Kuwait<\/option><option value=\"Kyrgyzstan\">Kyrgyzstan<\/option><option value=\"Laos\">Laos<\/option><option value=\"Latvia\">Latvia<\/option><option value=\"Lebanon\">Lebanon<\/option><option value=\"Lesotho\">Lesotho<\/option><option value=\"Liberia\">Liberia<\/option><option value=\"Libya\">Libya<\/option><option value=\"Liechtenstein\">Liechtenstein<\/option><option value=\"Lithuania\">Lithuania<\/option><option value=\"Luxembourg\">Luxembourg<\/option><option value=\"Macau (SAR)\">Macau (SAR)<\/option><option value=\"Madagascar\">Madagascar<\/option><option value=\"Malawi\">Malawi<\/option><option value=\"Malaysia\">Malaysia<\/option><option value=\"Maldives\">Maldives<\/option><option value=\"Mali\">Mali<\/option><option value=\"Malta\">Malta<\/option><option value=\"Marshall Islands\">Marshall Islands<\/option><option value=\"Martinique\">Martinique<\/option><option value=\"Mauritania\">Mauritania<\/option><option value=\"Mauritius\">Mauritius<\/option><option value=\"Mayotte\">Mayotte<\/option><option value=\"Mexico\">Mexico<\/option><option value=\"Micronesia\">Micronesia<\/option><option value=\" Federated States of\"> Federated States of<\/option><option value=\"Midway Islands\">Midway Islands<\/option><option value=\"Moldova\">Moldova<\/option><option value=\"Monaco\">Monaco<\/option><option value=\"Mongolia\">Mongolia<\/option><option value=\"Montenegro\">Montenegro<\/option><option value=\"Montserrat\">Montserrat<\/option><option value=\"Morocco\">Morocco<\/option><option value=\"Mozambique\">Mozambique<\/option><option value=\"Myanmar\">Myanmar<\/option><option value=\"Namibia\">Namibia<\/option><option value=\"Nauru\">Nauru<\/option><option value=\"Navassa Island\">Navassa Island<\/option><option value=\"Nepal\">Nepal<\/option><option value=\"Netherlands\">Netherlands<\/option><option value=\"Netherlands Antilles\">Netherlands Antilles<\/option><option value=\"New Caledonia\">New Caledonia<\/option><option value=\"New Zealand\">New Zealand<\/option><option value=\"Nicaragua\">Nicaragua<\/option><option value=\"Niger\">Niger<\/option><option value=\"Nigeria\">Nigeria<\/option><option value=\"Niue\">Niue<\/option><option value=\"Norfolk Island\">Norfolk Island<\/option><option value=\"North Korea\">North Korea<\/option><option value=\"North Macedonia\">North Macedonia<\/option><option value=\"Northern Mariana Islands\">Northern Mariana Islands<\/option><option value=\"Norway\">Norway<\/option><option value=\"Oman\">Oman<\/option><option value=\"Pakistan\">Pakistan<\/option><option value=\"Palau\">Palau<\/option><option value=\"Palestine\">Palestine<\/option><option value=\"Occupied\">Occupied<\/option><option value=\"Palmyra Atoll\">Palmyra Atoll<\/option><option value=\"Panama\">Panama<\/option><option value=\"Papua New Guinea\">Papua New Guinea<\/option><option value=\"Paraguay\">Paraguay<\/option><option value=\"Peru\">Peru<\/option><option value=\"Philippines\">Philippines<\/option><option value=\"Pitcairn Islands\">Pitcairn Islands<\/option><option value=\"Poland\">Poland<\/option><option value=\"Portugal\">Portugal<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Qatar\">Qatar<\/option><option value=\"R\u00e9union\">R\u00e9union<\/option><option value=\"Romania\">Romania<\/option><option value=\"Russia\">Russia<\/option><option value=\"Rwanda\">Rwanda<\/option><option value=\"Saint Barth\u00e9lemy\">Saint Barth\u00e9lemy<\/option><option value=\"Saint Helena\">Saint Helena<\/option><option value=\"Saint Kitts and Nevis\">Saint Kitts and Nevis<\/option><option value=\"Saint Lucia\">Saint Lucia<\/option><option value=\"Saint Martin (French part)\">Saint Martin (French part)<\/option><option value=\"Saint Pierre and Miquelon\">Saint Pierre and Miquelon<\/option><option value=\"Saint Vincent and the Grenadines\">Saint Vincent and the Grenadines<\/option><option value=\"San Marino\">San Marino<\/option><option value=\"S\u00e3o Tom\u00e9 and Pr\u00edncipe\">S\u00e3o Tom\u00e9 and Pr\u00edncipe<\/option><option value=\"Saudi Arabia\">Saudi Arabia<\/option><option value=\"Senegal\">Senegal<\/option><option value=\"Serbia\">Serbia<\/option><option value=\"Serbia and Montenegro\">Serbia and Montenegro<\/option><option value=\"Seychelles\">Seychelles<\/option><option value=\"Sierra Leone\">Sierra Leone<\/option><option value=\"Singapore\">Singapore<\/option><option value=\"Sint Maarten\">Sint Maarten<\/option><option value=\"Slovakia\">Slovakia<\/option><option value=\"Slovenia\">Slovenia<\/option><option value=\"Solomon Islands\">Solomon Islands<\/option><option value=\"Somalia\">Somalia<\/option><option value=\"South Africa\">South Africa<\/option><option value=\"South Georgia and the South Sandwich Islands\">South Georgia and the South Sandwich Islands<\/option><option value=\"South Korea\">South Korea<\/option><option value=\"South Sudan\">South Sudan<\/option><option value=\"Spain\">Spain<\/option><option value=\"Spratly Islands\">Spratly Islands<\/option><option value=\"Sri Lanka\">Sri Lanka<\/option><option value=\"Sudan\">Sudan<\/option><option value=\"Suriname\">Suriname<\/option><option value=\"Svalbard and Jan Mayen\">Svalbard and Jan Mayen<\/option><option value=\"Swaziland\">Swaziland<\/option><option value=\"Sweden\">Sweden<\/option><option value=\"Switzerland\">Switzerland<\/option><option value=\"Syria\">Syria<\/option><option value=\"Taiwan\">Taiwan<\/option><option value=\" China\"> China<\/option><option value=\"Tajikistan\">Tajikistan<\/option><option value=\"Tanzania\">Tanzania<\/option><option value=\"Thailand\">Thailand<\/option><option value=\"The Bahamas\">The Bahamas<\/option><option value=\"The Gambia\">The Gambia<\/option><option value=\"Togo\">Togo<\/option><option value=\"Tokelau\">Tokelau<\/option><option value=\"Tonga\">Tonga<\/option><option value=\"Trinidad and Tobago\">Trinidad and Tobago<\/option><option value=\"Tromelin Island\">Tromelin Island<\/option><option value=\"Tunisia\">Tunisia<\/option><option value=\"Turkey\">Turkey<\/option><option value=\"Turkmenistan\">Turkmenistan<\/option><option value=\"Turks and Caicos Islands\">Turks and Caicos Islands<\/option><option value=\"Tuvalu\">Tuvalu<\/option><option value=\"Uganda\">Uganda<\/option><option value=\"Ukraine\">Ukraine<\/option><option value=\"United Arab Emirates\">United Arab Emirates<\/option><option value=\"United Kingdom\">United Kingdom<\/option><option value=\"United States\">United States<\/option><option value=\"United States Minor Outlying Islands\">United States Minor Outlying Islands<\/option><option value=\"Uruguay\">Uruguay<\/option><option value=\"Uzbekistan\">Uzbekistan<\/option><option value=\"Vanuatu\">Vanuatu<\/option><option value=\"Venezuela\">Venezuela<\/option><option value=\"Vietnam\">Vietnam<\/option><option value=\"Virgin Islands (US)\">Virgin Islands (US)<\/option><option value=\"Wake Island\">Wake Island<\/option><option value=\"Wallis and Futuna\">Wallis and Futuna<\/option><option value=\"West Bank\">West Bank<\/option><option value=\"Western Sahara\">Western Sahara<\/option><option value=\"Western Samoa\">Western Samoa<\/option><option value=\"World\">World<\/option><option value=\"Yemen\">Yemen<\/option><option value=\"Yugoslavia\">Yugoslavia<\/option><option value=\"Zaire\">Zaire<\/option><option value=\"Zambia\">Zambia<\/option><option value=\"Zimbabwe\">Zimbabwe<\/option>\t\t\t\t\t<\/optgroup>\n <\/select>\n <\/div>\n\n <div class=\"custom-lead-form-div\" style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 20px;\">\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"your_email\">Email:<\/label><br>\n\t\t\t\t<input type=\"email\" name=\"email\" class=\"full-width-input custom-lead-form-input\" required>\n\t\t\t<\/div>\n\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"phone_number\">Phone Number:<\/label><br>\n\t\t\t\t<div class=\"phone-input-wrapper\">\n\t\t\t\t\t<span id=\"country-code-display\">+60<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"phone_number_input\" placeholder=\"123456789\" required>\n\t\t\t\t\t<input type=\"hidden\" name=\"phone_number\" id=\"final_phone_number\">\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n \t<\/div>\n\n\t\t<div id=\"interest-error\" style=\"color: red; display: none;\">\n\t\t\tPlease select at least one interest.\n\t\t<\/div>\n\n\t\t<div id=\"interest-group\" class=\"custom-lead-form-div\">\n\t\t\t<p>\n\t\t\t\t<label class=\"custom-checkbox-label\">I want to (Investor)<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"invest\"> Invest<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"buy\"> Buy<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"sell\"> Sell<\/label><br>\n\t\t\t<\/p>\n\t\t<\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"consent_agreement\" value=\"1\" required> I give my consent to share my information to submit this form. For more details on our data practices, please refer to our <a href=\"https:\/\/www.iqiglobal.com\/privacy-policy\">Privacy Policy.<\/a><\/label><br>\n\t\t\t<input type=\"hidden\" name=\"newsletter\" value=\"0\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"newsletter\" value=\"1\"> I want the latest property updates, marketing emails, and newsletters from IQI Global by subscribing to IQI Global mailing list<\/label><br>\n\t\t<\/div>\n\n\t\t<input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\">\n\n\n <p>\n <button type=\"submit\">Submit<\/button>\n <\/p>\n <\/form>\n\n\t<style>\n .full-width-input {\n width: 100%;\n padding: 8px;\n box-sizing: border-box;\n }\n\t\t.custom-lead-form-div {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.custom-lead-form-input {\n\t\t\tpadding: 8px 12px !important;\n\t\t\tborder-color: var(--theme-color-input_bd_color) !important;\n\t\t}\n\t\t.custom-lead-form-label {\n\t\t\tfont-size: 15px 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this.value;\n\n\t\t\t\t\/\/ If not Malaysian state\n\t\t\t\tif (!malaysianStates.includes(selectedState)) {\n\t\t\t\t\tcountryCodeDisplay.style.display = 'none';\n\t\t\t\t\tcountryCodeDisplay.textContent = '';\n\t\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t\t\treturn;\n\t\t\t\t}\n\n\t\t\t\t\/\/ Malaysian state \u2014 show +60\n\t\t\t\tcountryCodeDisplay.style.display = 'block';\n\t\t\t\tcountryCodeDisplay.textContent = '+60';\n\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t});\n\n\t\t\tphoneInput.addEventListener('input', updateFinalPhoneNumber);\n\n\t\t\tform.addEventListener('submit', function (e) {\n\t\t\t\te.preventDefault(); \/\/ \u2705 Prevent default submission first\n\n\t\t\t\tconst checkboxes = form.querySelectorAll('input[name=\"lead_type[]\"]');\n\t\t\t\tconst isChecked = Array.from(checkboxes).some(checkbox => checkbox.checked);\n\n\t\t\t\tif (!isChecked) {\n\t\t\t\t\terror.style.display = 'block';\n\t\t\t\t\treturn; \/\/ stop here if validation fails\n\t\t\t\t} else {\n\t\t\t\t\terror.style.display = 'none';\n\t\t\t\t}\n\n\t\t\t\t\/\/ \u2705 Now run reCAPTCHA v3\n\t\t\t\tgrecaptcha.ready(function () {\n\t\t\t\t\tgrecaptcha.execute('6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC', { action: 'submit' })\n\t\t\t\t\t\t.then(function (token) {\n\t\t\t\t\t\t\tdocument.getElementById('g-recaptcha-response').value = token;\n\t\t\t\t\t\t\tform.submit(); \/\/ \u2705 Safe manual submission\n\t\t\t\t\t\t});\n\t\t\t\t});\n\t\t\t});\n\t\t});\n\t<\/script>\n\n \n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p class=\"has-text-align-center\"><strong>延伸阅读：<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/cn\/property-taxes-in-malaysia\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\"><strong>买房也要缴税！首购族必须知道的7个马来西亚房地产税！<\/strong><\/mark><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/cn\/affordable-house-priya-kuantan\/\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">首购族也能买得起房！关丹PRIYA计划点燃购房新希望 <\/mark><\/strong><\/a><\/li>\n<\/ol>\n\n\n\n<p>3. <a href=\"https:\/\/iqiglobal.com\/blog\/cn\/should-i-buy-condo-or-landed\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">5大面向比较告诉你，马来西亚首购族买公寓还是排屋好？<\/mark><\/strong><\/a><\/p>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>本篇部分内容是由IQI旗下房地产中介Yanie Johan提供。  单身买房难，这句话并没有错。  在当前生活成本高涨的经济环境下，靠一个人的收入来负担日常开销——如房租、交通、伙食等，已经让不少人捉襟见肘，更别说存钱买房了。  尽管如此，越来越多单身族仍然不愿放弃 “拥有一间属于自己的房子” 的梦想。  他们开始积极寻找方法，证明单身也能买房——这不是遥不可及的目标。  市场趋势也反映了这一现象——发展商陆续推出更多小型单位，正是为了迎合这群逐渐增长的单身买房者。   你可能会想：“找个人联名买房不是更轻松？” 确实如此，但联名买房并不是多数人的首选方式。  那为什么越来越多单身族选择独立买房？他们又是如何跨越经济门槛、实现买房目标的？  1. 为什么现在越来越多人选择单身就买房？  i. 独立意识提升，买房观念更前卫  如今，越来越多年轻人选择不急于步入婚姻，单身人口持续上升。  拉曼大学（UTAR）敦陈祯禄社会与政策研究中心（TCLC）的调查结果也显示了这一趋势正反映了现代人独立意识的增强。  “结婚后才买房” 的传统观念已经逐渐被取代。  现在的年轻人更倾向于先拥有属于自己的空间，实现生活自主，而不再等待伴侣出现才做决定。  同时，买房也被视为对抗通货膨胀的稳健投资方式，比银行定存（FD）更具保值性。  对许多女性而言，拥有一套属于自己的房子，除了象征经济独立，也带来更强的安全感与掌控感。  ii. 小型房产选择更多，单身买房更容易入门  随着单身人口不断增加，房地产市场的产品结构也随之调整，发展商推出了更多适合单身人士或小家庭的小型住宅单位，当中包括：  市场上的小型房产种类的多样化满足了不同生活需求，也让单身族更容易找到理想房子，进一步提升他们独立购房的意愿。  2. 4个实用招数教单身的你更快实现买房理想！  那么来到最关键的问题：有什么方法可以让自己更快买房呢？ i. 做好财务规划  良好的财务规划，是实现买房梦想的关键第一步。  在了解自己的收入情况后，首要任务是设定一个清晰目标：在我能力范围内，能买到什么样的房子？  你可能会想：我知道自己想要什么，但不知道该找哪种房子才适合。  这时候，寻求专业帮助就非常重要。你可以联系像 IQI 这样的专业房地产中介团队，依照你的预算和需求，帮你筛选出最合适的小型房产。  接下来，你就能明确知道自己需要准备多少首付和交易费用，并开始做储蓄规划。  这里推荐使用 50-30-20 理财法则：  同时，这里建议优先建立一个“购房基金专户”，并通过自动转账的方式进行强制储蓄，避免自己轻易动用这笔钱。  最后，别忽略银行在审批房贷时非常重视的一个指标：债务偿还比率 DSR（Debt Service Ratio）。  切记提前清还信用卡、车贷等高利息负债，维持良好的财务状况，让银行更容易批准你的贷款申请。 ii. 发展副业，提升收入能力  当现有月薪难以支持你购买理想房产，是时候开拓额外收入来源了。  你可以选择自由职业如会计、设计、翻译，或尝试热门副业如电商、内容创作、自媒体经营等。  如果不知道从哪里开始，这里还有一篇整理了2025年最受欢迎的6种兼职副业，为你提供实用的灵感。  当副业逐渐稳定后，你也可以选择报税并正规化收入，这样银行在评估房贷时会将其视为合法收入，从而有助于提高你的贷款额度。  短期来看，副业能加快储蓄进度，更快存到首付；长期而言，主业加上副业的双重收入，再配合良好的财务规划，将大幅提升你的整体财务安全与买房能力。 …<\/p>\n","protected":false},"author":99,"featured_media":116498,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[10298],"tags":[10670,6966,12810,12891,5150,5250,5162],"class_list":["post-116457","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-agent-narrative","tag-ask-agent","tag-iqi-cn","tag-12810","tag-12891","tag--cn","tag--zh"],"yoast_head":"\n<title>\u5355\u8eab\u4e70\u623f\u538b\u529b\u5927\uff1f\u6559\u4f604\u4e2a\u5b9e\u7528\u65b9\u6cd5\uff0c\u4e00\u4e2a\u4eba\u4e5f\u80fd\u5b9e\u73b0\u4e70\u623f\u68a6\uff01<\/title>\n<meta name=\"description\" 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