Dear all, finished reading first page and last few pages.

My personal opinions:-
1. 70% capped, < mid-segment home buyers to be badly affected! High capital required for million dollar house will switch investor/speculator focus to this segment.
2. RPGT is the tool to reduce speculation effectively, but they chose to cap LVR. Simply to deter over-committed bunch. BNM has some of the smartest people there, whether it will cool-down the speculation or affect property prices, it is not even a question/topic at all because there was no intention to do so. The recent budget indirectly telling us Gov want us to continue to buy, within your means.
3. Comparing to many countries with similar per capita income, Malaysia houses are still relatively easy to own.

It is a weekend, lazy to type more...