ok. but iswara maintenance high or not? turbo summore.

wife and kid expenses where?

The remaining 4k I think not enough for them..

cut down on food and other expenses, sell the 2nd house for a profit

what are you using the saved money for?

if your returns is less than the interest you have to pay for housing loan, you might as well dump back into the housing loan

no point to save separately but to dump back the money into a flexi housing loan. so when you need the money you can withdraw back

Work as what gaji 14k??

how much is your cash in hand? you should be able to sustain at least 6 months of house installments for both houses

at your age.. i think should be around 100k at least of buffer cash

too many ppl are putting too much $$$ into housing

and too many ppl are buying 2nd/3rd/4th house and they treat all these as "investments"

housing market in malaysia are getting more and more saturated, with more and more built-up-units vacant

too many such unhealthy signs are propping up everywhere

Hmm.. My gaji So little.. Veil sad Liao.. I plan to be drug pusher.. Opps.. Forgot Ada supercop at here...

when will finish 1st house loan?
i think you are in the right track

just use the remaining 4k to lure girl for nekkid hotel photo

is time to upgrade to saga SV!!!

If u drive potong, people will say u gila

wat i mean is, when bubble datang, house will be much cheaper

that is why i ask ts to wait, to be patience, and to keep himself in liquidity

he is in penang, if he sells his 2nd house right now he will get a very comfortable profit already

ts should keep his profit, and wait, and when the bubble come, he can use his cash (original + profit) to buy a much bigger / nicer and cheaper house

i did that in california, back in 2009