majority properties in prime areas have capital appreciation of 10~30% this year and i only foresee a slow down or worst case senario a correction cap at -10% max in 2012

5 years ago: 
A fresh grad earning RM1800/month planning to buy a 300k property in future.

Monthly installment for 90% of RM300k loan (35 years) is around RM1250.

He know that he need to have at least RM4200 income per month to get the bank to approve his loan for a 300k property.

So, he work very hard, hoping to get the increment until he achieve the amount of income.

5 years later:
He had achieved RM4200/month income (Not bad right?) . But the same property in the area had increased to RM600k.

Monthly installment for 90% of RM600k loan (35 years) is around RM2500.

Now, he need to have at least RM8300 (net income) to get his loan approved for the same property.

5 year later (let say property price keep increasing):....
He achieved RM8400 net income... but this time he need to have RM16800 income to get the property in same area..

.............
.............

4) Get a wife and share the house loan with her.

大馬房產成中國資金新目標
Created 11/28/2011 - 15:17

來自中國的發展商、企業以及個人投資者正在改變馬來西亞的房地產生態。

“雖沒投資新加坡物業那麼‘兇猛’，但中國企業買下吉隆坡整層寫字樓的故事並不少耳聞。”馬來西亞發展商陽光集團執行主席童貴旺說。

另一方面，中國發展商也在試水馬來西亞地產項目。11月初，一家來自中國河北的房地產企業――卓達集團宣佈將與馬來西亞伊斯干達投資公司合作，共同發展位於馬來西亞伊斯干達麥迪尼特區的住宅和商業項目，總投資額近40億元人民幣。

這成為馬來西亞麥迪尼特區的首個外資房地產投資項目，同時也是區內迄今最大的投資項目。

伊斯干達麥迪尼特區距離新加坡20分鐘車程，有兩座跨海大橋與新加坡相通，同時正在修建海底隧道，與新加坡高檔公寓動輒10萬元／平方公尺的價格相比，麥迪尼特區房價僅為新加坡的20至30%。

高力國際最新數據顯示，今年第三季度新加坡售出的私人住宅中，8.8%住宅被中國買家購得。

新加坡官方數據顯示，上半年，中國購房者首次超過印度尼西亞，成為新加坡私人住宅第一大外籍買家。

而中國買家投資新加坡物業的興趣如今也在向鄰國馬來西亞蔓延。

“有限的土地成本、發展商之間的激烈競爭以及當地較低的收入水平，是馬來西亞房價水平即使在整個東南亞都保持較低水平的原因。”童貴旺介紹。

在馬來西亞首都吉隆坡，100萬元人民幣即可買入距離市中心40分鐘車程、面積在200平方公尺以上的毗連別墅。

隆檳新山房產受歡迎

目前，中國投資者的身影正越來越多地出現在吉隆坡、較多華人聚集的檳城以及緊鄰新加坡的新山。

與一些發展中國家管制資本的做法不同，馬來西亞向外國房地產投資者提供了相對自由寬松的政策和制度。外國投資者允許直接持有馬來西亞房產產權，可自由購置價值超過50萬令吉（約人民幣110萬元）的各類房產，且凡持有該房產滿五年後出售的，將一律免征房產交易所得稅，此外，還能夠申請到最高為70%的房貸。

在今年9月於上海舉行的馬來西亞房地產投資論壇上，馬來西亞產業機構首席執行官Kumar表示，馬國物業的年租金回報率在5至6%，土地的年收益大約在4至6%，兩項相加，投資收益率在9至12%。

為鼓勵更多海外人士投資馬來西亞房地產，馬來西亞政府正在推行一項名為“馬來西亞我的第二故鄉”計劃，參與計劃的家庭除了可以獲得10年多次入境居留證之外，還將享有多項產業與稅務豁免獎勵。

截至2011年7月的統計數據顯示，中國公民佔到該計劃申請總人數的第一位。
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Source URL: http://biz.sinchew-i.com/node/54335

The main message of this article is to tell us that CHINA men are looking to buy our land and properties especially in Penang, Johor and also Kuala Lumpur.

So be prepared!

Although foreginers can only purchase those properties priced above rm500k, you can see developers are trying to build developments at that price ranges.

Property will become more expensive only over the time. 

Have all malaysian depleted their savings/income already by now. majority borrowing have increase by now. anything if really happen, 80% will be die standing.  Since what have goes up and never come down. very positive indeed and will see for how long if can maintain. hope malaysian are not butshitting themselves and have positive mind set.

Majority by now have own a house/condo by borrowing right now. hope can maintain it for long else it will see alot of problem do pops up. SPEND WITHIN YR MEANS or affordability. Must have a good forthsight else will be following the blind.

Have a very bad hunch and feeling about it, better becareful. somebody is playing around with figures, alot of hidden/bad things/coverup have not pops up yet. DOES the economics really that good just ask yrself?

Hope the bank can sustain the drop if occur not over commit by lending out or else will be alot of auctioning? Over borrow $$  (have not earn the $$ yet) already use it. is it guarantee return or 50/50 basis?

Borrow $$ for investment is not consider 100% ownership yet, need to pay interest, alot dont really realise. Malaysian really like to borrow to the max everybody wants to rolling the $$ borrow right.

As can see alot of people do buy property/cars, but is it fully paid up or still need serving interest for years to come? THE ITEM IS NOT YOURS YET still belongs to the bank

It will tie down a person for alot of years to come for sure.

Even though property have gone up, will the person sell off bcos they are staying there unless really go out to rent a place to stay just for the sake of the $$. what if buy another unit will be much expensive, if price drop how when buy at peak. if buy, scare property drop else if property dont drop forever renting after selling the property holding the cash. what do u think? sell or dont sell or buy or dont buy

For malaysian altitude, they will not sell, prefer a home themselves. so there is no $$ gain just paper gain. see it going up and down. the longer it serves the loan, the property price+ interest+ accessment + lawyer fee+ stamp duty+insurance+ maintanence +renovation+ furniture n fitting +wear n tear etc will have no gain in property price already at all bcos the interest and all other hidden cost already eat into the price.

How fast can a buyer pays off the property loan 3/5/10/20 years? People living in yr area how many have pay off their loan for good after so many many years? still serving interest right. by now interest already eat into the property price.

Majority Malaysian dont have hard cash on their hands. majority is from borrowing and spending like nobody business. Loan/spending/Interest is greater than their cash at hand/income.

unless have few units sell 1 or 2 unit and leave 1 for own staying only can see $$ gain, else is just paper gain. things not sold is not consider profit yet

alot of investor does not want to tie themselves down on asset rather rent whereas its difficult and slow to convert to $$. When  they need $$ instantly without waiting for buyers or long procedure to get $$. come and goes easy out of the country anytime or migrate

As seen majority dont really save and already over commit. PEOPLE WITH NO SAVING HABIT WILL NOT GO FAR AND Will not BE RICH FOR SURE. JUST WAITING FOR MIRACLE TO COME BY

THEIR IS A SAYING ALL  I WANT IS YR $$ THATS IT

Thanks for confirming my understanding. I also thought so but not this bank. I've paid the bank to redeem my loan but they reimburse me an amount which falls short of what I expected. So I question them. They didn't even give me a breakdown of what they charge me until we ask. Finally they provided a general one like amount I paid to redeem..., early redemption penalty 3% ......

Read this research paper. Accurately depicting our current RE situation.

http://www.aseanvaluers.org/PDF/The%20Real...te%20Cycles.pdf

is the bank will approve the loan application to a person that not affort to serve the loan?

You're just not reading what he's trying to say. No one can give you a straight answer, I believe, not even Warren Buffett. Try to digest what other ppl have to say and make your own analysis and judgement. After all, the only person that can be accounted for win/losses made is your own decision (Buy/Sell).

Btw, a decent elaboration from DeepValue. Couldn't put it better myself. Not the most neutral opinion, but spot on at the VALUE portion. For Investor/Home Buyer, VALUE should always come first, regardless of bubble or not.

There are still many decent condos around RM220k & DSL around RM350k, some more MBSB offers 100% loan. For a start you can still find affordable house if not too choosy. My 1st home @2001 was a 880sqtf apartment bought with RM88k only 

After your house appreciate you can sell & buy a bigger, continue these steps you will get your preferred home as your salary increases along the way.