Partly is because the house condition needs fixing.
But I don't mind due to the location and of course, price.

Its for your own good. I'm sure if you're financially capable bank will give you a loan, they need to make money. So why worry... don't worry la, cannot get loan don't buy lo... see, no fear no worries.

bank u give u loan one.... bcs bank officer need to show every year loan growth that much .... ...later can realised some interest income..... and ... so that at the year end got big bonus... good increment.

bank officer don't care one la.... they are too big to fail... got tax payer to bailt them up ma...if fail or if not ... it is shareholder money worst come to worst.

now u see again.

This post has been edited by tikaram: Jul 17 2013, 04:39 PM

always stay in the best one if one is really "alive". (i know some people stay in rundown apts or very old houses but collect rent from luxury homes).

if the one u r not staying in can easily fetch good rental, not a bad idea to keep it for rental, can use it to pay off the remaining debt.

but if rental poor, need a lot of repairs, then can sell - that will help you deal with the own stay home easier, assuming you have loan for it.

worst case is the prop stays vacant, rotting away...

Exactly! So there is no worry when bank give loan to u!
If my Rule of Thumb:
#1 Live life to the fullest.....
#2 Always be Happy.....
Together with this quote of mine.....
If it is a problem, there is a solution. If there is no solution, then that is not a problem. It is call a Fact.
So why fear or worry?

Totally agree with your points.

If you find a property that you like but the price is too high and you can't get a loan (problem), don't buy (solution) - no fear, no worries
If you find a cheaper property that you can get a loan for but don't like (problem), don't buy (solution) - no fear, no worries

So basing on what u say, Msia bank give loan without accessing individual financially stabilities??
Thou, I don't deny there are cases where ppl forge doc..... But that doesn't means u can get any amt from bank anytime u like.... And anyway such cases I regard it as 'cheating' or 'conning' cases.....
If u got so strong connection to bank, able to get hundreds of millions without accessing my financial stability and yet u are afraid to take..... Then refer that to me..... I'll use my name to take, RM500mil, u'll get 20% 100mil for the connection!! No need to scare here worry that.....

This post has been edited by AppreciativeMan: Jul 17 2013, 05:08 PM

Guys, i need advice:

May I know how to get the right property valuer? I'm confused.

Should I say that I get few property valuers to value the unit one by one; thereafter I inform the owner the lowest value I have and propose him the selling price? Can someone briefly let me know the steps on how you guys normally do it?


Mind to share your "achievements" in property so far?

Whatever context in this forum or post, u can also link to "don't buy''....

It's about time

Anyway that's the solution right? feel free to give a better solution to the below scenarios.

you like a property but can't get a loan... how to buy??? so only way is don't buy ... solved
you find a property can get a loan but don't like the place... and you still buy??? so you buy something you don't like??? then everyday you tell yourself I pay hundreds of thousand for something you don't like... no right??? so solution ... you don't buy.... solved
you find a property that you like, and you can get a loan then you buy lo... solved

Its not about linking to "don't buy"... its facts are simple to tell... its lies that is difficult and gets more and more difficult to cover.



This post has been edited by Rooney1985: Jul 17 2013, 05:15 PM

This post has been edited by AppreciativeMan: Jul 17 2013, 05:24 PM

fixed for you la. Solution is within your hands. Don't give excuses.

This post has been edited by kidmad: Jul 17 2013, 05:27 PM

It works this way.. If it's back in my hometown? In KL you can get all the valuer and they give you low try to go and negotiate with the agent.. Those fellows will tell you there is buyer already.

I'm talking about perspective of RM400k homes approx. Not too sure with anything above that.

Whether big or small problem that you can't get the loan is still can't get... if you can fix it, then it means you can get... so if you like the place then buy la.

It's the given la, you like the place and you can get a loan then you buy, that's what everyone is doing now no???

The problem is, for the amount of loan people can get, they don't like the place... so how? don't buy lo... very simple. no fear, no worries.

Wow your solution is for a person with multiple characteristics... 1st person doesn't accept the fact and therefore looks for ways to increase income, 2nd person accepts the fact and buys and stays... LoL... Champion's answer.. I like it...

No one giving excuses la... why la so defensive again... chill la... you work harder to buy the place you like end up you don't have health and time to enjoy the place and can't live life to the fullest... you buy the place you don't like and stay first everyday you look around and you also cannot live life happy... already your solution doesn't meet the two rules of thumb by App-man.

But one thing I agree... solution is in your hands... no one forcing you to buy or not to buy... that's your call.. and don't complain either... if you like a place but won't go down on their asking... just walk away... no point wasting time say to him "so expensive, can't afford"... simple... one offer, take it or leave it.



This post has been edited by Rooney1985: Jul 17 2013, 05:39 PM

Personally, i hav never encourage ppl 'dont buy' before..... Neither do I encourage ppl to BBB without consideration...
My point is simple..... Nobody reads the future for sure..... the fear and worry in most ppl is...... what IF i 'dont buy' now, price dont drop, and still goes up, that will be even more difficult or impossible for them to get it in future. And this has been 'a fact' for many ppl........ If now is a 'problem', in future it may become 'a bigger problem'....... If I can't fix a 'problem' now how am I able to fix that 'bigger problem' in future......
Unless u hav a 'solution' for ppl even if price went higher they still can get a prop..... Then u say 'don't buy' now lor....

Another reason I can't advise others because .... I can be a 'show hand' man..... Not suitable for many......

This post has been edited by AppreciativeMan: Jul 17 2013, 06:04 PM

A recent meeting amongst economist has already point to the robust growth for most ASEAN economies this year. Some may fare much better than last year as you might already know countries like Philippines and Singapore are lifting their projection upwards.

Malaysia will just hang on in the very right place.



There are alot of people that are gonna invest in Malaysian properties this year as well. As you might already know, the mainstream media has reported that the Govt is considering several new liberalisation on the real estate sector to allow foreign insitutional buying.

Malaysian private sector have proposed several new inftrastructure plans to the Cabinet soon. The latest news is Warisan Merdeka will be ground-breaking soon as I think they just had Rule 5 meeting regarding the public protests and had overcome it quite reasonably well. TQ.

This post has been edited by accetera: Jul 17 2013, 06:32 PM

Wahhabi you guys still argue buy or not buy ;$

buy 1 house also scared this and scared that, aiyoyo! what so difficult?? we going to move forward to V12 soon, still worry this and worry that.

Hehe....for sure u relax la, u have so many props alrdy. We are still struggling to get 1 by 1.

But generally, I believe prices of property will go up in the long run. Land/Map is a limited thing. Not like we can create new maps.