{"id":18198,"date":"2022-06-19T12:00:00","date_gmt":"2022-06-19T04:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/how-to-decide-if-you-should-rent-or-buy-a-house.html"},"modified":"2026-03-26T15:59:38","modified_gmt":"2026-03-26T07:59:38","slug":"how-to-decide-if-you-should-rent-or-buy-a-house","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/properties\/how-to-decide-if-you-should-rent-or-buy-a-house.html","title":{"rendered":"How To Decide If You Should Rent Or Buy A House?"},"content":{"rendered":"\n<p><span>Deciding whether you should buy a house or rent? If you&#8217;re planning to buy a house you have to be financially ready, your credit score needs to be healthy, have at least 10% of the property price for the downpayment, prepare extra cash for miscellaneous charges and the list goes on. Hence, a lot of people opt to rent. But then again, owning a house has somehow become one of the life goals for most of us. Let us help you decide if you should rent or buy a house.<\/span><span><\/span><\/p>\n<!--more-->\n<p>&nbsp;<\/p>\n<h2 id=\"h-are-you-financially-ready-to-buy-a-house\"><span id=\"Are_you_financially_ready_to_buy_a_house\"><strong>Are you financially ready to buy a house?<\/strong><\/span><\/h2>\n<p>If you have no idea how much a house cost, let us break it to you in the simplest way.<\/p>\n<ul>\n<li>You need a<span>&nbsp;<\/span><strong>good credit score<\/strong>, so the bank will approve your loan. Learn more about credit scores,<span>&nbsp;<\/span><a href=\"https:\/\/www.comparehero.my\/banking-finance\/articles\/credit-score-for-mortgage\">here<\/a>.&nbsp;<\/li>\n<li>The bank will also examine your<span>&nbsp;<\/span><strong>DSR<\/strong><span>&nbsp;<\/span>before approving your loan. DSR or Debt Service Ratio refers to the percentage of your monthly income that is used to pay your monthly debt. Banks use this ratio to determine your ability to repay the loan you\u2019re applying for. Each bank has its own maximum allowable DSR limit. Normally, it would be around 70%. Find out your DSR with this formula:&nbsp;<\/li>\n<\/ul>\n<p><strong>DSR Formula: Debt \u00f7 Monthly Income X 100.<\/strong><\/p>\n<ul>\n<li>Once your loan is approved, you need to prepare at least<span>&nbsp;<\/span><strong>10-20% for the<span>&nbsp;<\/span><\/strong><a href=\"https:\/\/www.comparehero.my\/property\/articles\/down-payment\"><strong>downpayment<\/strong><\/a><strong><span>&nbsp;<\/span><\/strong>of the property you\u2019re eyeing.<\/li>\n<li>You need to be able to afford the<span>&nbsp;<\/span><strong>monthly instalment and other miscellaneous charges<\/strong><span>&nbsp;<\/span>such as stamp duty, legal fees, maintenance fees, sinking fund, quit rent or \u2018cukai tanah\u2019 for landed properties and property assessment tax or \u2018cukai pintu\u2019.<\/li>\n<\/ul>\n<h2 id=\"h-rent-if-you-want-to-enjoy-a-fixed-monthly-commitment\"><span id=\"Rent_if_you_want_to_enjoy_a_fixed_monthly_commitment\"><strong>Rent if you want to enjoy a fixed monthly commitment&nbsp;<\/strong><\/span><\/h2>\n<figure><img data-recalc-dims=\"1\" decoding=\"async\" width=\"640\" height=\"335\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-02-1-1024x536.png?resize=640%2C335&#038;ssl=1\" data-src=\"https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-02-1-1024x536.png\" alt=\"\" data-srcset=\"https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-02-1-1024x536.png 1024w, https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-02-1-300x157.png 300w, https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-02-1-768x402.png 768w, https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-02-1.png 1201w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-02-1-1024x536.png 1024w,https:\/\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-02-1-300x157.png 300w,https:\/\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-02-1-768x402.png 768w,https:\/\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-02-1.png 1201w\" data-was-processed=\"true\" loading=\"lazy\"><\/figure>\n<p>Some of us are living on a tight budget and are not able to afford any unexpected expenses. If this describes your financial situation, we would recommend you to rent instead of buying a property.&nbsp;<br><br>You\u2019d only have to pay the amount you agreed with your landlord for the span of your contract. You will also be exempted from paying maintenance and other charges. This cost will fall upon the homeowner.&nbsp;<\/p>\n<p>While of course, the homeowner can raise the rent, they still have to provide an advance notice which allows you to budget and consider other options.&nbsp;<br><br>Find out how you to ask your landlord to lower your rent,<span>&nbsp;<\/span><a href=\"https:\/\/smartasset.com\/mortgage\/how-to-convince-your-landlord-to-lower-your-rent\">here<\/a>.&nbsp;<\/p>\n<h2 id=\"h-real-estate-is-one-of-the-best-investments\"><span id=\"Real_estate_is_one_of_the_best_investments\"><strong>Real estate is one of the best investment<\/strong>s<\/span><\/h2>\n<figure><img data-recalc-dims=\"1\" decoding=\"async\" width=\"640\" height=\"335\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-05-1-1024x536.png?resize=640%2C335&#038;ssl=1\" data-src=\"https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-05-1-1024x536.png\" alt=\"\" data-srcset=\"https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-05-1-1024x536.png 1024w, https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-05-1-300x157.png 300w, https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-05-1-768x402.png 768w, https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-05-1.png 1201w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-05-1-1024x536.png 1024w,https:\/\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-05-1-300x157.png 300w,https:\/\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-05-1-768x402.png 768w,https:\/\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-05-1.png 1201w\" data-was-processed=\"true\" loading=\"lazy\"><\/figure>\n<p>No matter how you define the word investment here,<span>&nbsp;<\/span><strong>buying a house has a lot of advantages<\/strong>, provided you\u2019ve prepared yourself and understand the risks.<br><br>You can buy a house to live in, that\u2019s an investment. In years to come,<span>&nbsp;<\/span><strong>the property prices will increase<\/strong><span>&nbsp;<\/span>and buying one now especially if you\u2019re financially ready will save you all the headaches in the future.<\/p>\n<p>You can also<span>&nbsp;<\/span><strong>generate income from your property<\/strong><span>&nbsp;<\/span>by renting it out or simply wait until it multiplies in value, then sell it off \u2013 that\u2019s also an investment.&nbsp;<br><br>Related:<span>&nbsp;<\/span><a href=\"https:\/\/www.comparehero.my\/property\/articles\/homestay-7-websites-to-list-property\">7 Lesser-Known Websites To List Your Property On<\/a><\/p>\n<h2 id=\"h-you-ve-more-flexibility-if-you-re-renting\"><span id=\"Youve_more_flexibility_if_youre_renting\"><strong>You\u2019ve more flexibility if you\u2019re renting<\/strong><\/span><\/h2>\n<figure><img data-recalc-dims=\"1\" decoding=\"async\" width=\"640\" height=\"335\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-04-1-1024x536.png?resize=640%2C335&#038;ssl=1\" data-src=\"https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-04-1-1024x536.png\" alt=\"\" data-srcset=\"https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-04-1-1024x536.png 1024w, https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-04-1-300x157.png 300w, https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-04-1-768x402.png 768w, https:\/\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2022\/06\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-04-1.png 1201w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" srcset=\"https:\/\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-04-1-1024x536.png 1024w,https:\/\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-04-1-300x157.png 300w,https:\/\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-04-1-768x402.png 768w,https:\/\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-04-1.png 1201w\" data-was-processed=\"true\" loading=\"lazy\"><\/figure>\n<p>Renting would be the best option if your lifestyle demands more flexibility. If you<strong><span>&nbsp;<\/span>need to relocate due to work or any other reasons, you\u2019re free to do so<\/strong>. Whereas homeowners need to either sell their property or put it up for rent.<br><br>It would be best to rent if you\u2019re the type of person that has trouble settling in or constantly looking for opportunities in other cities or countries.<\/p>\n<h2 id=\"h-so-should-i-rent-or-buy-a-house\"><span id=\"So_should_I_rent_or_buy_a_house\"><strong>So, should I rent or buy a house?<\/strong><\/span><\/h2>\n<p id=\"h-so-should-i-rent-or-buy-a-house-owning-a-property-requires-more-financial-commitment-compared-to-renting-if-you-re-looking-for-more-flexibility-renting-is-the-best-option-make-sure-to-consider-the-above-factors-and-weigh-all-the-pros-and-cons-of-renting-vs-buying-before-you-make-a-decision\">Owning a property requires more financial commitment compared to renting. If you\u2019re looking for more flexibility, renting is the best option. Make sure to consider the above factors and weigh all the pros and cons of renting vs buying before you make a decision.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Deciding whether you should buy a house or rent? If you&#8217;re planning to buy a house you have to be financially ready, your credit score needs to be healthy, have at least 10% of the property price for the downpayment, prepare extra cash for miscellaneous charges and the list goes on. Hence, a lot of&#8230;<\/p>\n","protected":false},"author":268230141,"featured_media":2283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[428],"tags":[],"class_list":["post-18198","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-properties"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How To Decide If You Should Rent Or Buy A House? - CompareHero<\/title>\n<meta name=\"description\" content=\"Owning a house has somehow become one of the life goals for most of us. Let us help you decide if you should rent or buy a house.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.comparehero.my\/blog\/properties\/how-to-decide-if-you-should-rent-or-buy-a-house.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Decide If You Should Rent Or Buy A House? - CompareHero\" \/>\n<meta property=\"og:description\" content=\"Owning a house has somehow become one of the life goals for most of us. Let us help you decide if you should rent or buy a house.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.comparehero.my\/blog\/properties\/how-to-decide-if-you-should-rent-or-buy-a-house.html\" \/>\n<meta property=\"og:site_name\" content=\"CompareHero\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CompareHero.my\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-19T04:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-26T07:59:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-03-1-1024x536-1.png?fit=1024%2C536&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"536\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"CompareHero\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"CompareHero\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/properties\\\/how-to-decide-if-you-should-rent-or-buy-a-house.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/properties\\\/how-to-decide-if-you-should-rent-or-buy-a-house.html\"},\"author\":{\"name\":\"CompareHero\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/person\\\/77b02f49f8e76551ac6a7f3d7eb59611\"},\"headline\":\"How To Decide If You Should Rent Or Buy A House?\",\"datePublished\":\"2022-06-19T04:00:00+00:00\",\"dateModified\":\"2026-03-26T07:59:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/properties\\\/how-to-decide-if-you-should-rent-or-buy-a-house.html\"},\"wordCount\":674,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/properties\\\/how-to-decide-if-you-should-rent-or-buy-a-house.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-03-1-1024x536-1.png\",\"articleSection\":[\"Properties\"],\"inLanguage\":\"en-MY\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/properties\\\/how-to-decide-if-you-should-rent-or-buy-a-house.html#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/properties\\\/how-to-decide-if-you-should-rent-or-buy-a-house.html\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/properties\\\/how-to-decide-if-you-should-rent-or-buy-a-house.html\",\"name\":\"How To Decide If You Should Rent Or Buy A House? - CompareHero\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/properties\\\/how-to-decide-if-you-should-rent-or-buy-a-house.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/properties\\\/how-to-decide-if-you-should-rent-or-buy-a-house.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/Should_you_pay_for_your_daily_expenses_with_Cash_or_Credit_Card-03-1-1024x536-1.png\",\"datePublished\":\"2022-06-19T04:00:00+00:00\",\"dateModified\":\"2026-03-26T07:59:38+00:00\",\"description\":\"Owning a house has somehow become one of the life goals for most of us. 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