Yes, a boring 3% a year housing price increase is good.

cronies sell KLSE and bought overseas property? No longer buying KL properties. They can smell malaysia not good now?

http://www.themalaysianinsider.com/malaysi...-up-us-property

There are other opportunities available that are lower risks and better return than property market in Malaysia. For property, prefer to buy when and where the market is down.

Actually, sold 2 of my properties early this year, hope can collect payment before bank tightening 

follow blr

fix

Whats the best fixed rate you can get at the moment?

Do a forecasted comparison for both and adjust BLR for floating rate to increase (just to gauge what kind of buffer you're playing with if the market rate changes)...

Are you looking to follow the full tenure or pay above monthly instalments?

If that's the fixed rate you're getting I'll go for fixed rate... cos BLR will most likely go up when QE is gradually withdrawn...Credit crunch!!! Yummy like cereal... 

Is the monthly payments stressful on your finances? If it is, go with fixed again, this way you have more certainty on your month end balances... do check out the other terms and conditions i.e. above monthly instalment payments, penalties, etc.... just in case.

1) blr forecast to get increase soon
2) but fix. u lock in the rate entirely
3) even any rate hike like credit contorl or due to case like 1997 u still paying the same rate
4) not easy to get fix rate as the bank foresee to rise rate
5) u budgeted a fix amount to repay loan. the budget fix amount help u to do better control of your monthly decision.

I'm more interested with Zuiko's mistress photo   
bro.. go for whatever is lower.. We can't predict the future. If you go for higher what if the BLR continues to decrease? Adding on are you going to stay there for the rest of your life? You might be selling your place off in a couple of years. The longest period for me to stay in a place was 18 months    I'll definitely pick the lowest.. Now i'm finding a place to shift again. haha

the most difficult part to explain why adopt fixed rate loan is that many many people who took fixed loan before (or know the fixed loan offered by banks prior 2006 era) burnt their fingers by locking into say 8% rate and eventually realizing mortgage rate keep dropping to below 5% for floating loan. But when told them about the different monetary policy between now and then, many cannot cope with such explanation, either it's too technical or most likely they though you're bluffing. As a practitioner in the trade, I would roughly say 1 out of 20 (at the most) will take fixed loan. Even the AIA (previously ING) officials admitted how hard to sell the pros of fixed loan. I am 100% agree with him bcoz I have to admit I failed to convince my sister too when she re-fi her mortgage loan.

why would you say it's fix? it will still make a different.

hurmm..what I would suggest is to contact them and check it out. Not too sure whether they will give u the same rate when you borrow less.

Speaking of maintenance fee.....I hate those who don't pay the maintenance fee...look at my apartment lift. Spoiled for months and still not repair. Happy climb for them, lucky mine wasn't that high floor hahaha...

I can't afford 500-600k lo...I can afford if I go rob the ATM machine  even loan will get struck also...need to work partime lo....who want to hire me for partime? I can do from sales to technical jobs, specialize in sales, circuity design, software design, management etc...with experience of over 7 years at your service