When in Malaysian history:

a) Did property increase 40-50% in just a few years (2009-2012)?
b) Did you see so many speculators rushing to queue to buy property?
c) Did you see so many "For Sale" signs right after a certain property VP?
d) Did you see so many "Bank Lelong" signs on traffic lights, lamp posts, forums, everywhere?
e) Did you hear of so many ordinary working joe taking loans to own 4, 5, 6 or even 7+ properties? Not business tycoon mind you, ta kung zhai?

Even in 1997 most people will tell you they didn't see so many "Bank Lelong" signs, despite many people having their house possessed by the Bank.

Draw your own conclusions lo.

Not sure up or down after election. Hope will up further which means the economy is good. But that also mean more money needed to buy a house.

If can wait of cause wait until price down to bottom. Just in case its the other way round then just have to accept it.

Recent launches don't see any cheap price. But subsales are not doing very good at certain area. However, there are areas that can't be valued due to its super prime location. Some houses in TTDI are already too expensive but still no one selling. Not sure why.
I'm planning to buy a small size SoHo to work and live there. Any recommendation? Subsales better or new launch??? 

Reckon arcadia SoHo is not bad. But size is a little bigger than I wish for.

Sorry but not everyone is interested in the PR1MA house.
At least I am not interested in it at all.

a) you have not seen enough does not mean they are not there. This explain why more than 50% of MK condo completed in the past 2 years are vacant but you never see such units in the lelong market.

Why not wait till downturn and save that even 30-40%?

30% of 300K = 90K.

You've just saved yourself RM90k, adding in interest savings and everything it could be as much as RM150k over the course of 20-30 years.

That 150K you can use to treat yourself to a brand new nice Toyota Camry.

So, why not wait?

You can try looking at the recently VP'ed units such as Emerald and Sapphire... Launching price was around 700K and 6xxK.. Current asking price is 950K-1mil and 940K-980K..

The units was ready around last year May.. So basically 300K increase in 2 years ++ since launch... Not sure if tats called "healthy" appreciation?

Actually for the units tat I mentioned, Emerald from 850K went up to 970K in 7 months time period...

Yes, so why bother to work? Why bother to increase business productivity through capital investment? See how easy to make 100k profit in 7 months.

This housing speculation frenzy is a lot worst than the 1997 stock mania... let's pray this time is different.

Well let's put it this way, if prices drop enough, you may be looking for a job at Isetan as sales assistant, so don't be too cocky huh.

Not much market for property agent during downturn. 

Transacted bro.. But there's one unit asking for 935k but junction hse.. Price is less bcoz usually Chinese and Indians dun go for those type of houses..

But nt sure if the S&P has been signed.. The last successful transaction was 950k..

It's precisely because we don't have that many years in our lives that one should be very very cautious about buying something on 20-30 yrs loan especially when price is at record high.

You would not wanna throw 30 years of your hard earn money down the toilet because too greedy and buy in when the market is high right.

Ask the Americans how it feels like to be working hard on 2 jobs to pay off your house mortgage but the value is actually underwater....

There's a difference between kiasi and being prudent.

If you actually "si" from your investments, you will come back and laugh at this posts yourself...

You got the money...good for you... and you can stay wherever in Klang Valley......oh well done, so you now want me to give you a gold star izzit? 

Okaylah, since you want it, let me pat your head....yeahlah, boi boi panailah, very pandai....happy now? 

But seriously, tell me this, why despite all your "wealth" you sound like needy, whiny teenager with nothing to do seeking approval from strangers in this forum, really?

You so emotionally really need to show people so you taikor in order for other people to tell, yeah, I know better.

Do you REALLY need to tell some random stranger in a forum that you are THAT successful, ah, Mr Zuiko? 

Fuiyoh! So rich property tycoon got so much time to TCSS on LYN property forum. Don't play play...

Brave a bit eh?

Sure...provided if you lend me your crystal ball of yours which you are so confident is never wrong lor....

You must be from oil and gas field. Office type. Just my guess...

Cleaner?

This is an interesting but quite unlikely scenario. You will very rarely find rental rates in a certain development diverging by as much as that. Comparing RM3.6K vs RM2.8K that is divergence of almost 30%, assuming all are similar type units (intermediate vs inter or corner vs corner). Even on location wise for commercial, unless the popularity is extremely uneven (ie shops facing main road all busy but shops behind extremely quiet).

But to your question:

a) Market has not dropped but you are paying over the odds of market price - ie bigger risk. If rents fall to the level of Lot C gradually, you lose yield (ROI). If you need to dispose of your property urgently (short sale), the odds of you finding a buyer are lower, as buyer would need to top up RM80K on top of 15% downpayment.
b) Same as A except even worse - in case of sale buyer would need to top up RM210K extra on top of 15% just for you to breakeven.
c) I would buy C (unless some external subjective factors like condition sucks or location really bad) - as the risk is all covered. You match the banks valuation. If rents drop to match the lower level, you are still unaffected, and if rents increase to match the level of Lots A or B you profit.

Malaysia property can be cheaper because ringgit is getting weaker?