1. Since they're rich and with holding power, they'll continue holding it and probably purchase more
2. Since they're fully leverage, that will means they are in trouble. They'll have to cut their lost and if its insufficient then they may go into bankruptcy.
3. If u are asking on 'middle income with average down camp group' then I'll see still no action from them.
Reason 1: Prop price may be cheaper but they may still need almost the same amt (or could be more) of cash to purchase prop
Eg 500k prop,
90% LTV, cash up front 50k
70% LTV, cash up front 150k
If market has a correction of 30%, bear in mind that bank will give lower valuation preparing for the worst too..
500k - 30% = 350k, bank value will be easily 10-15% different.
If bank value 300k,
90% LTV, cash up front (350k-300k) + (300k x 10%) = 80k
70% LTV, cash up front (350k-300k) + (300k x 30%) = 140k
Reason 2: Fear. When bank gives lower value, greater fear will occur tat price going down further, or what if they lose their job at this time and etc.
4. Who knows.... Maybe it become opportunities to them.....  

I am just curious, what is your opinion :

(1) How much net assets to be considered to be Rich, Middle class, or Poor ?

(2) How much income before tax to be considered to be High, Middle and Low income group ?

(3) From what I can see, it seems the ppl who have the holding power > 1 million USD net assets at least.

And usually I would assume these ppl predominately at 45 > 50 age group ?

Last question : what is the percentage of the ppl or NUMBER of ppl you think in Malaysia have these holding power ? Considering the amount of the properties that are on loan...

Thank you

Do this. Refinance all the properties you have. that amount put in ASNB while waiting for a crash if takut la sangat. win2 situation.

For which group u suggesting this? 

I am just curious, what is your opinion :

(1) How much net assets to be considered to be Rich, Middle class, or Poor ?

(2) How much income before tax to be considered to be High, Middle and Low income group ?

(3) From what I can see, it seems the ppl who have the holding power > 1 million USD net assets at least.

And usually I would assume these ppl predominately at 45 > 50 age group ?

Last question : what is the percentage of the ppl or NUMBER of ppl you think in Malaysia have these holding power ? Considering the amount of the properties that are on loan...

Thank you

Can I ask a stupid question? Hypothetically - what if the crash really happens, and market value slump by 30%,
- What the rich with holding power will do?
- What will the middle income fully leveraged will do?
- What will the down camp will do - for middle income group with average savings?
- Life goes on for the poor?

Different ppl different definition... I see a gal as pretty doesn't mean u see the same.... 
The basic definition in poor, middle, rich for me is:
Poor - struggle to earn a living for those most basic needs such as a shelter, food, clothing..... Need to calculate every single penny on expenses... Hardly hav any savings...... In short, survive day to day basis...
Middle - Range will be wider.... On a job (can be self employed, businessman, or professionals), earning enough, basic need is not their most worrying but their future income, and expenses.... In short having the ability to plan for tomorrow but not to the extend of no worries.
Rich - Basically no worries about money.... Future have been taken care of too already....

Haha

So from your definition, law of gravity still apply to the vast majority of ppl who has 3 + properties on loan, IF there is a 25 %+ market correction .

it is quarter by quarter in the website, anyway lets look at house price index for 10 year period

http://www.globalpropertyguide.com/real-es...ices/M#malaysia

is now bear trap or bull trap?

Definitely not bear trap as we have passed the "media attention" & "new paradigm" stage.
By the way,  cranx, thanks for the data

Aiyah, prices will only go up one la... So many foreigners queuing up to buy our properties... Lol!!! So many luxury cars on the road mean Malaysians still got lots of money!!! Lol!!!!... So many people flocking to city to work they sure need houses one... Prices sure up up up one... Hahaha!

If they can.

Can they for example cut down their kid's education, food and other necessity to keep holding unto their props.

http://www.dailymail.co.uk/news/article-22...r-benefits.html

In which class is she belong to??? Rich??? Or poor???

The lawyer from the down camp also switch side and buy RM600+ psf pigeon hole, the market how to stop going up ? 

Holy sh*t ! Soon, UK will be bankrupt !

Dude, I never said I switch side...

Dude, I never said I switch side...

Ok, you never openly "say" you switched side. But your "action" is a major betrayal to the DDD camp. 

If even you (who so firmly believe the market will collapse soon) can make a decision to buy a property at this time (a pigeon hole at RM600+ somemore  ), it is the best wake up call for the DDD camp to reassess their belief of property bubble bursting soon. Look where has your buddy joeblow gone ? Probably busy searching for a pigeon hole near Subang ?