QUOTE(Phoeni_142 @ Nov 1 2009, 03:42 PM)
gun for minimum COCR of 25%. If not, give it a miss.
Agree else its hardly worth the effort n risk..... 
Price : 220k,Rental Return :1k, Return ok ah?
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 Nov 2 2009, 03:58 PM
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#1
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3,318 posts Joined: Dec 2004 From: 1Malaysia   
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Nov 3 2009, 10:15 AM
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#2
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QUOTE(alexL75 @ Nov 2 2009, 11:19 PM) Gotta salute you, if its only about 20% COCR would you still consider? % wise is about there, but also equally important is to have decent nett cashflow. For every 100k loan I commit, I expect to have minimum RM200 nett postive cashflow every month. p/s : 20% COCR is nothing when boss Phoeni here get close to 50% COCR and approx RM400-RM500 nett cashflow permonth from a 140k investment.. |
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Nov 3 2009, 11:05 AM
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#3
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QUOTE(BearKing2000 @ Nov 2 2009, 11:23 PM) Pai Kor, I normally use 4% to get COCR, but if you wanna play safe use 5%. BLR is not the main variable to that impacts COCR, its something else........... Very hard to find something that gives a 25% COCR leh...how much is the interest rate u will use for calculation before buying a property? The current interest rate, or you will add in some buffer? For example, current BLR (5.55%) -1.9% = 3.65%, so u will use 3.65% for calculation, or use a 4%?? if u use the existing BLR for calculation, what if the BLR increases? Wouldn't it affect your COCR? Thanks.  |
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Nov 6 2009, 01:28 AM
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Think this is an interesting discussion but I'll stick with COCR as the main indicator for evaluating a property investment. Couple a healthy COCR with a minimum nett cashflow target of RM200 per month would do the trick.
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Nov 6 2009, 04:29 PM
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#5
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QUOTE(ape @ Nov 6 2009, 10:33 AM) If i find a property with good capital appreciation potential and the rental yield is 8% but the COCR is only 12%, will u consider? whats the expected nett cashflow?  can also define what do you mean by "good capital appreciation potential"? |
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Nov 7 2009, 02:06 AM
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@ape,
Im guessing that this is a 600k-700k property? Personally think its too much risk IMO for small rewards.... especially when capital gains is not guaranteed n rental returns could potentially be lower as there are over supply for these high end properties............. my 2 sen........ |
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Nov 8 2009, 02:09 AM
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#7
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QUOTE(ape @ Nov 7 2009, 08:33 AM) Just cant predict the current buying mode can maintain for how long? If can hold on till 2012, I think this is a good buy... if a prop's fundamental's r solid, then timing will not matter. After all properties r medium to long term investment. |
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