change of thread title..good one. 

assuming the sharp increase started in 2009, assuming property boom and bust cycle is around 6 years, we might be looking at 2014.
those who have waited, you are only half way there, are you going to wait further or take the plunge ?

if the price drop due to poor economy, yr current prop also drop. r u sure u still want to upgrade as u need to folk out more $ while your job is uncertain?
like i said, why u all hope for a crash?  if we work harder/smarter , we earn more and we can upgrade to a better home. since everyone earn more, the economy is good, more investments pouring and more opp for all.  and i like to compare to shanghai again. the ppl there are happy and many upgrade to better home, as they know they will earn more due to their high compentency in workplace and many mnc are coming to hire more ppl to expand biz. now china looking to expand internal consumption, old day=made in china, now= made for china. if u stay in sh long enough u will know how efficient is their ppl. from sales coordinator up to managers.  also their courier service can reach within a day in sh. i found even sg also cant match...no one in sh expect their doc to arrive the next day...cant imagine how hard working the chinese ppl.. bank are open til late nite, all bank open on weekend.. inter bank giro transfer can reach next hour, outstation /province giro can reach few hours later. how we to compete ??

how many highly paid msian in oversea (eg sg, sh, anz, ME etc)? some reported 1mil.
if every of htem buy ave prop, so 1mil x 3 = 3mil

what is total house in msia? 6mil?

[attachmentid=2304058]

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Added on June 30, 2011, 9:36 amsorry, average 3 prop per oversea msian

existing stock = 4.5mil , new supply /completion= 1.5mil, total 6mil???

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Added on June 30, 2011, 9:40 amso if ave every year 3mil , then 20 years = 60mil units
oversea msian oni 5%.. but maybe they supported hi end prop then

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Added on June 30, 2011, 9:43 amif really total units is 60mil, then every msian owned 2 units.

Statutory Reserves Requirement, aka money that need to set aside by banks and hold on/by BNM SRR regulation.

It just means money that cannot be used to loan out.
For eg. bank has Rm100 deposit if SRR is 3%, only RM97 can be used to loan out to make money/profit.

So higher SRR means higher cost to bank, so they may not able to give more discount on BLR.

got example? i think with example will be easier for us to understand.. i googled also came out that.. end up i duno what it means..  english bad 

OPR remained unchanged, but SRR inceased 1% to 4%.
i believe this is the correct answer

prody's first explanation (from the net) is something like an academic/formal answer to SRR, while cherroy gives an example to explain prody's explanation.

but prody's example is not correct. It is impossible that the banks can loan out money based on your formula.

No increase likely on BLR.

But may be slight effect on BLR -x.x%.

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Added on July 7, 2011, 11:42 pm
http://www.bnm.gov.my/guidelines/01_bankin...ry_20090701.pdf
EL is deposit that bank get aka money that bank hold or borrow from. 

It has nothing to do with bank asset, aka loan out.

You want to loan ouy, you must have money to loan out.
Commercial bank cannot create money out of thin air.

If bank has RM100, they cannot loan out Rm5,000.
They need to borrow in RM4900, be it in the form of attracting more deposit in, or borrow from interbank.

What if SRR is 0%?
Can loan unlimited? 
Commercial bank cannot create money out of thin air.

hi, i think it is how the power unit is called, kilowatt per hour (kWh), so it is 300kWh, that means households with monthly eletricity bill of above RM70-80 (can't remember for sure the price now after the hike) will be affected. 

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Added on July 14, 2011, 4:45 pm
thank you for sharing.

really not sure this whether another round of QE will scare investors to flee emerging market or not? coz really the impact of QE so far only to creat assets bubbles in the East.

any tycos here got info to share?

So is time for us to purchase few units in kl for our future kids? Still can't so sure.... some ppl stay as far as seremban to travel daily to work. Do we need to be so rush to buy houses?

so in short, prop will never drop in msia. it can only go higher..

Can share the data?

appreciate u can share the data or elaborate some examples.. I see price no drop @iproperty. Maybe the price there not updated yet.

all the $ earn they still need to deduce the management fees, expenses, ceo pocket $, gov songlup and what ever fees...
that y cant  >6%
y dont invest your $ in fund, there are alot of fund out there perform very well, some of them is getting 10%~15% return.
properties or gov bond is not the only choose...

in this case, it is safe to buy prop in area whihc is not overbuild lor.  i dun know which areas gave 5/95, DIBS, ZEC, rebate 10-20% etc but prop near my areas (setapak/wangsa/gombak/rampai, pj/kelana, KL centre/ampang etc) do not have this goodies so i think my areas are consider still very safe.  new prop near my areas always selling very fast (almost sold out b4 launching) and some projects need insider connection to buy in advance to get better view/units. (especially commercial units). i also noticed once VP-ed, almost all units are tenanted and i strongly believed under contructions will be the same. for me, i still prefer to buy prop near populated area. (within 10km from KL , PJ)

maybe someone can highlight whihc areas hv offerred goodies so we all can avoid investing there? i recalled sp setia, sime did that , who else? but i dun know where is the areas. putrajaya/cyberjaya, shah alam?  pls share

-A housing affordability chart carried in the The Edge Financial Daily on August 15 showed that property prices had risen from 5.9 times income in 1989 to 10.9 times income in 2010.

simple question.. how many can affort without salary income or rental income for continue 6 months (at least)? ... if unaffordable, is this ppl going to sell their non performance asset during bad times?? and How many willing to pickup these asset for 6 months (at least) continues in lost..??

I just move in my new house @ 2 months, my opposite neighbours is selling abt RM100k higher of my purchase price..
All said, if u are buying for own stay, just go ahead and search for reasonablke selling price house and not overpriced.

My impression is, the housing markets in Tokyo/NYC haven't hit bottom yet, I might be wrong.
They had NEVER went down before and it would stay stagnant. The are more ppl wanting to move in instead of move out. Such area do you really think there is a chance the bubble will burst and everyone would want to sell them at below market value? double think.

So enlighten me if i am wrong. As far as i know my colleagues in JP are the ones who told me houses in TOKYO had never budge from it's original price thus they have to stay 40 minutes away from their working place. New York? The rental is going up yearly, if you can't afford there... come back again in 10 years time. Well so far i get to see lotta charts showing the downfall for houses value and price but for a studio apartment which i browse in London area 1 is still the same today as compare to last year. The value did not appreciate but it did not went down from my observation. I might be wrong cause i'm only benchmarking on a certain area due to some interest on the places. 

So if you have some facts and data to correct me please do so. I do not live in Tokyo thus i rely on my colleagues who are working there to share and discuss about our living expenses. Same goes to the information i got from my colleagues who are working in Beijing, Phoenix Seattle and Prague.

Nice charts bro. Don't they tell you that prices after 2007 is stagnant? I believe you've seen it for yourselves from the charts.

So stock and property which one do you think is safer investment?