Guys, wanna ask for opinion.  Let say Ali bought 2 houses for rm1.2mil. but now Ali still cant decide about the payment.

whats the best option if Ali has rm600k cash?

the house price is rm1.2mil.

i. should Ali pays rm600k cash to the houses and loan the other rm600k,

ii. or its better if Ali maximize the loan say 90%, and Ali invest rm600k  in FD ASB, and pay the mortgage loans with annual divident from ASB.

What do u think tuan? boleh kongsi secebis nasihat untuk membantu Ali.

Thanks in advance.

Guys, wanna ask for opinion.  Let say Ali bought 2 houses for rm1.2mil. but now Ali still cant decide about the payment.

whats the best option if Ali has rm600k cash?

the house price is rm1.2mil.

i. should Ali pays rm600k cash to the houses and loan the other rm600k,

ii. or its better if Ali maximize the loan say 90%, and Ali invest rm600k  in FD ASB, and pay the mortgage loans with annual divident from ASB.

What do u think tuan? boleh kongsi secebis nasihat untuk membantu Ali.

Thanks in advance.

Looks like so many people at ballot looking at the number of balls in box for so few available units for public. I heard its about 80 uinits available. I wanted to go today for the ballot but heard so few units left. Does anybody know how many people register.? Lucky to get balloted leh.

Phase 2 open for sales :
- 35 intermediate units type A for 650k
- 50 units for corner/end lot of type A/B >775k

According to registered numbers : Bumi+Non-bumi = 400 + 200 = 600

Wah! 85/600 left only....

Considering most buyers targeted at intermediate lot only : 35/600 = 0.06% to get one unit

35/600 = 0.058 or 5.8% lah ! Where you learn you maths.. 

Anyway i see some target the bigger unit & corner lot lah !

Where is the other 565/600 units? Keep for staff?

Phase 2 open for sales :
- 35 intermediate units type A for 650k
- 50 units for corner/end lot of type A/B >775k

According to registered numbers : Bumi+Non-bumi = 400 + 200 = 600

Where is the other 565/600 units? Keep for staff?

How old is Ali?hehe...

For me, i will go for 2nd option...RM600K in hand can do a lot of things instead...

But if Ali is quite old which is cant go for 20 years housing loan, then better dump into property for RM1.2 million house...

But for me, although i am at 40 years old, i will still hold this RM600K....

If FD ASB can pay higher rate than the loan rate, definitely better to choose option 2.

The risk associated for option 2 would be:

1.) How if FD ASB pay lower rate than loan rate since its return is not guaranteed?
2.) How if FD ASB bankrupt (unlikely, but still have possibility)?

Staff, Associates & Prime Member.

This is what i don't like about SD.

Other developer usually only keep Phase 1 for staff then open up to all in subsequent phase.

If release so little unit to public might as well keep all for staff.. 

Most of the GLC company like SD and I&P always staff come 1st, every phase launching, staff already sapu 30-40% unit available. EV2 almost 65% bought by SD staff and prime card member one week before launching. Next  launch EV3 unit will be more spacious size 22X75 & 24X75 and more expensive, immediate unit sure 40-50% gone before release to public.

Bumi double the number of non-bumi came last week? Normally its non-bumi double bumi.

Usually both hubby and wifey register maa..so the numbers are much higher than actual. Thats why many names called no show because spouse's name already called.

I don't think 600 is number of units..its number of registered to ballot I think.

Staff, Associates & Prime Member.

This is what i don't like about SD.

Other developer usually only keep Phase 1 for staff then open up to all in subsequent phase.

If release so little unit to public might as well keep all for staff..