The thing is, if you say that property doesn't appreciate after 5 yrs is the one who is assuming too much because property will most likely appreciate, and most likely rent can increase too after 5 yrs. And please dont attack my English...or my Malay or Chinese or wutever language for dat matter like the other guy. I just dont bother to check grammar or spelling like he always do i guess. Anyway if u r really UUU, congratulations.

This post has been edited by AmayaBumibuyer: Aug 17 2013, 05:01 AM

Kidmad,
FD is kind of a risk free investment, i guess it is fair to compare property investment with FD.

This post has been edited by AmayaBumibuyer: Aug 17 2013, 05:11 AM

Can this become my benchmark for personal loan? Does housing loan and personal loan the same? So far I know personal loan interest rate is higher than housing interest rate.



This post has been edited by Seremban_2: Aug 17 2013, 05:20 AM

hl and pl ..not the same

I notice the last few weeks, got some fella go to the FD thread and question the low return. Then got another fella go to the unit trust thread and question UT has lower return than property. Now we have another fella here question property if don't appreciate for 5 years then FD is better.

Why don't people give benefit of doubt to others they know how to invest ?

There must be people who go to motorcycle enthusiast forum and compare the safety of motorbike against cars

Perhaps the so called banker can help you out by explaining the difference in interest computation/ payments between housing and personal loans ... Since he like to talk so much... Lol

To loongchai's post you're right some people don't understand that ROI on current price levels is much lower compared to years before that investors now rather invest in other forms of assets as the risk of downside is less. Another failure I'd like to point out is the fact that first timers who are about to receive their key(s) do not have any real life experience of rental play and form an idealistic view that units can be rented out so easily and at the rentals they desire... When they've actually tried then they'll know and maybe just hopefully they don't keep mouthing off... Having briefly looked up that area, I believe rental for that size of unit and surrounding would only command a maximum of rm1,500.00... Given that the area is quite the gloomier side of greater KL... Furthermore for that unit size you're probably not appealing to married couples but rather singles... Which brings up the question how many singles are willing to part with RM1,500 every month for rental? Ofcourse there are other considerations such as landlord's and tenant's ethnic origins and lifestyles... E.g. A Muslim landlord may not like renting out to people that may perform unholy activities on their premises such as the cooking an consumption of pork for example... And these are realities of life that a landlord and tenant will ask themselves... And indirectly this will affect the rental market that is available to the landlord and tenant.

This post has been edited by Rooney1985: Aug 17 2013, 09:09 AM

There the negativity again that the guy is trying to spread. I know i can rent it out, dont be jealous.

I am so happy i m gonna get my keys!!.

Yes FD can compare to property, but not necesarily better and in my opinion, property investment is better than FD.

This is a learning that everyone has to go through some learn from their own mistakes while others may be able to learn from the mistakes so generously shared by those who made them.

This post has been edited by Rooney1985: Aug 17 2013, 09:15 AM

Anything also can compare. But ultimately it is individual's choice. When people love to ride a bike, and share about their interest in a forum, why should we spoil their discussion by saying bike is more dangerous than car ? He thinks that people has not heard of a vehicle called car ?

Yes the negativity. He just wants to make the bike lover feel down becuase loving bikes so much.

Anyway i know i can rent it out more than 1.5k. Positive Baby! No spreading garbage from me.

I got it already....Thank You......It really tempt me buying a unit as well. Anyhow, hope new buyer does their homework before making final decision.

Excellent! It's always nice to see someone's sense of achievement when they do their own homework before making a decision... I'm sure you will feel more confident and knowledgeable when making investments at least you wouldn't be misguided/ misled by false information... Btw you're welcome...

I'm surprised the so called banker in the thread didn't help explain / clarify the difference between housing and personal loan interest... Anyway it doesn't matter.. What does is whatever the decision you're about to make you're more aware of the risks and benefits.

This post has been edited by Rooney1985: Aug 17 2013, 10:30 AM

Comparing FD vs property investment? Hello!? propperty investment do not guarantee ROI. seremban 2 were talking about stock exchange vs property investment.. and now another bloke comes into the property forum talking about FD? On top of that loongchai answer my simple question. Will Ali, Abu, Ah Chu or Ah Kow pay for your safe deposit? Will they give you the money willingly so that you could bank in RM1.5k to your fixed deposit account? If no.. then stop comparing fixed deposit with property investment. :x such simple comparison also dorno how to think straight.. Y

Bolded part.. You make me laugh hard. :lol: It's rm285k only if you continue serving the loan. On the 5th year if you were to sell @ rm250k. Calculate how much balance you will be getting from the bank la. Perhaps that's the reason why you still don't get the point where i said you will not lose money in the end. :lol: You do know mortgage doesn't work the same with hire purchase right? My annually statements came to me.. last year was balance rm218k.. This year balance most likely rm65k.. rm65k 4.4% interest per annum.. That's something which i could afford. :blush: All my savings went into the home loan current account. :)

The other crap you posted i'm going to ignore it.. cause I obviously told you i bought at rm250k and rm265k respectively. I do not know why are you calculating RM350k property investment. :x If you buy i t today.. You should be looking into another place where could yield you better appreciation / rental income and not Puri Ayu. Regarding the agent part and also the other balance which you need to pay.. Those are variables which if things changes within the next 5 years.. Are you telling me that stocks unit trust, bonds ETC they do not change, fluctuate, or lose within the next 5 years?.. on top of that are you gonna make money if there are no changes within the next 5 year? So now tell me... Compared to my property investment VS stock exchange.. Considering mine had appreciated.. which had given me better result? Have i not told you that both unit of mine comes with 2 parking as well? :D

So in the end.. If my property doesn't appreciate on my 5th year upon selling.. I will still not lose money period. Perhaps you should provide me your property investment which does not appreciate and you will lose that much money as mentioned? With a better example then you would most likely give me/us a better idea on why you would lose money. :)

Bro.. fixed deposit might be an investment but those are for ppl who would not want to risk it. Seremban_2 started with stock exchange and we do agree it's different kind of ball game.. And now someone came in here and talk about fixed deposit while we are talking about rental.. Don't tell me some other ppl would be investing in your deposit monthly without anything in return lor.. Totally irrelevant comparison.

This post has been edited by kidmad: Aug 17 2013, 10:50 AM

Errhhhhhhh....... So since this is a property thread, and ppl are talking enthusiastically abt prop..... So are u referring to those group spoiling the discussion here too???..... They thinks tat ppl has not heard of a term called Risk?......
This is really a one stone hit many many birds.......

This post has been edited by AppreciativeMan: Aug 17 2013, 10:51 AM

Ini i kena like.. where is the like button.

+1. Too many economists wannabe.

Boss many oledi stop giving comments or advices. But no doubt stil some ddmw ppl aeound to make tis thread interesting. Not bad. Keep it up.

Kidmad,
Agree it is irrelevant comparison i guess...

Anyway as banker who wants to giv advice, FED affects ur mortgage rates comprende? Especially the one with the BLR thing. No need to think about money supply la, KLCI laa, Exchange rates laa...KISS methodology, Keep It Simple Stupid. Dont make it complicated. Oh yes running out of ideas to put me down, can always go for my English.

And Seremban 2 got it anyway. Somebody already highlight to him already.
Burn Baby Burn! Burn the negativity away.

Suggest to those who still paying housing loan , finish off your instalment as soon as possible !
Borrow 300k loan will end up paying 600k for 30years instalment ! That is 100% interest -.-"

Forget about FD, share market, currency and saving plan ! Nothing beat hosing loan interest !