true indeed...why this discussion started because u play down properties investing....so i have to use figures to stand it up....

I'm not saying properties >Stock, but i just felt that equal & fair scenario need to be illustrated for comparison purpose....

ya you biting your own words... Bank wont simply loan out their money but they can loan to you 4% without collateral....You must be VVIP.

Anyway no point to further discuss when you're not using equal level illustration for scenarios...

How is it not equal u are loaning to rent out. I can't take loan to receive dividend? Your so called 8% loan is personal loan not business loan. Set up a company first

actually, if you can get 4% term loan that easily and without constraints (ie u can deploy the funds as you see fit after getting the credit), u already win and no need to go into details of what investments to take risk in. Your rating is almost the same as government of Malaysia, and by extension, should be better than most banks here... haha.

Wtf u serious bro??????

Your 4% is flat rate is it?

If not flat rate and is effective rate then u really vvvvvip

I use 7-8% effective rate already consider cheap……..

This post has been edited by Rinth: Apr 22 2024, 06:19 PM

I feel stocks easier. Buy those debt free companies paying dividend more or less ok. Not all like that. Need to choose carefully. Cause no debt, no one to answer to but shareholders. Less stress.

same here... financial instruments somehow feels so much easier to manage.... and transact also fast fast... T+2 or 3 or 4...

Not flat la follow opr. I can't show u in detail but this is the credit line in my trading account

Interest first year is SBR(3%) + 1.65%.

This is one of the higher credit facility but can be accessed any time.

But u are right in a way only vip have credit facilities at low interest. The poor only can get from ah long or aeon credit.

I still have few more I can take from my credit card limit at 3% if promo even lower.

This post has been edited by jyll92: Apr 22 2024, 06:43 PM

It's a conditional business loan details I can't share.

i see two arguments here.

for me, i invest in financial products, fast in fast out. want cash, can get rightaway.

to each their own, some burnt in stock market, happy to be in properties, be it.
some excel well in stock market, happy to continue such way, be it.
im happy to be in crypto market, when everyone despise it, be it.

end of the day, you need to be very comfortable in your OWN GAME. you just need to look after yourself. and when you make it, treat people around you well, take them out for makan, help them within your ability, never be snobbish.

So is trading account credit lines la…. So your portfolio is the collateral lah? If your share tumbles 50%(for example) you kena margin call la and need top up?

1st year is 4.65% how bout 2nd year onward?

Credit card 3% is flat rate lo…. Go for 0% cash out or balance transfer…… or your 3% is effective rate due to vip?


Conditional means not clean loan right????????

Just want to get the facts correct

Yes if I'm unable to pay the interest on time. That's how some ppl kena margin call.

2nd years can remain if u utilize at least few hundred k credit line. Up to discussion

This post has been edited by jyll92: Apr 22 2024, 07:21 PM

wah bro apa trick you play till bank can give you cheap loan like that to do risky dealings?

bank can tutup kedai liao lo..
take bank's money to earn money.
usually it is the other way round.

play shares somemore
bank not consider you high risk customer kah?

if cannot pay at least 100%, better don't buy that property.

if cannot pay at least 100%, that is what I mean liabilities and incorrect way of investing.

I won't compare high liquidity stock strategy with property.

sorry I don't agree at all.

if I buy stock who doesn't give me dividend, I don't need to pay interest every month.

and you will be surprising many get good properties at discounted value due to all sort of reasons.

This post has been edited by skty: Apr 22 2024, 11:57 PM

my best advice is for you to find someone who owning 10,20,30+ properties and get them to teach you.

if current interest can be covered by rental. Imagine the increment of rental during the 30+ years loan tenure VS the interest. Can the interest increase that much?

and after the loan tenure, the property is debt free and priced at higher value and you get nett rental income if you don't want to sell the property.

best thing in property investment is bank leverage. Let's say you dump in 100k down payment and borrowed 900k from bank for a 1mil property, if immediately after VP you manage to sell at 1.1mil, your return is very close to 100%, not 10%.

sorry I disagree. All investment is about risk VS return. And both of that is depends on the price. Nothing to do with location. This is another wrong way of property investment which many are practicing.

because you know-how in stock and don't-know-how in property. Vice versa for some who don't invest in stock but property.

All Junior doctors now are Contract and KWSP only.
Full stop.
My batch is the last batch that ELIGIBLE for the Pencen system before Mahaidahni government stop it.

I believe im one of the fastest to get permanent placement and i lost out almost 2 thousand per month compare to old system.

I should be UD48 T2 - with 5 years of service if im in the old system, but thanks to contract system, I'm at UD43 with reset service year (only few months old)

It will be my first property
estimated rental 2.3k with price of 535k.
3 BR 2 Bathroom

It will be my home in future with 2 rooms rent out.
I gonna pay 700 for room/lodging anyway, so why not i buy my own house first.

that's good in term of financial, but you may have to surrender to flexibility of changing working location.

renting out room, that's not too bad, considering many buying their first property as their home which give them really really a hard start in their financial planning.

This post has been edited by skty: Apr 23 2024, 12:22 AM

I am the first runner up of stock picker of KLSE i3 investment game.
Just lose to Tan Teng Boo that year.
I can tell you stock is not easy as it seems.
All securities and investment come at risk and insight.

Most important is you need to be comfortable on the game and risk itself....
Dont chase yield if u cant manage the risk...
Afterall, it is not worth to suffer hypertension to chase the potential millions...

Okay time to focus back on this thread itself.

This post has been edited by Haloperidol: Apr 23 2024, 12:25 AM

Flexibility is not an issue for me, just rent out and buy a new one (LOL)
In fact, i think base on my current income, i can go for 2nd and 3rd property as well.
Just that it will squeeze my cashflow tight.

Question, do you think spending extra 40,000 CASH to buy a carpark lot that worth 150/month perpectual is worthy or not ... Hmm.... translate into 4.5% gross yield

Imma gonna go slow, wait for the first project to finish, everything settled ? then go for the second , and third that way.