Yes, it’s absolutely possible to buy your first home at 25! Sounds crazy? Let me show you it’s not only possible—it’s achievable.
I have students who, at just 25, already own not one, but two properties. How? Knowledge and planning. When you know what you’re doing, owning your first home at 25 isn’t a dream—it’s reality.
Here’s how you can do it too:
1️⃣ Get a Stable Income & Payslip
If you want to buy a house at 25, you need a stable income. Even a minimum salary of RM1,700 can work, depending on the house price. The key is to have a permanent job with a payslip.
No payslip? No problem. Start your own business and have at least 2–3 years of financial statements ready. This proves your income stability to banks.
2️⃣ Start Saving Early 💰
Don’t wait until you plan to buy a house. Start saving as early as possible. Aim to save at least 30% of the house price for hidden costs like:
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Land and assessment taxes
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Electricity and utility deposits
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Renovation and furnishing costs
Even if a developer offers “0% down payment,” reality hits—you still need cash for renovations and furniture to make your home livable and rentable.
3️⃣ Avoid Buying a Car 🚗
Thinking of buying a car first? Think again. Bank calculations consider your car loan as a liability, which reduces your eligibility for a home loan.
Rule of thumb: Don’t buy a car that costs more than your annual salary. Focus on the house first—your future self will thank you.
4️⃣ Avoid Credit Cards & Personal Loans ❌
Credit cards and personal loans might seem harmless if you pay them on time, but even small outstanding debts reduce your home loan eligibility.
Develop good financial habits now. Avoid unnecessary debts before 25 so your future home buying power remains strong.
5️⃣ Choose the Right First Property 🏠
Your first property is the most important. Choose wisely, because a wrong property can become a “dead asset” with decades of mortgage payments and no returns.
I spent two years researching and saving before buying my first home—and today, it’s fully rented, never empty, and a constant source of income.
Owning a home at 25 isn’t impossible. With the right knowledge, discipline, and planning, you can start building your property empire early.
💡 BONUS TIP: Grow Your Money While You Plan Your First Home!
Hey! I’ve been using this wealth management app called Versa to grow my money effortlessly. It’s super easy to navigate, and all products are managed by experts at AHAM Asset Management Berhad.
You can start too! Sign up with my link and get RM10 reward after completing these steps:
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Download: https://download.versa.com.my/1bAf/referral?deep_link_value=UAVR6K5X
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Sign up with referral code: UAVR6K5X
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Complete the onboarding steps
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Make your first cash-in of min. RM100 into any Versa product
Start building your wealth and your first home—earlier than you think! 🚀
