Acquisition price = RM450K
Disposal price = RM550K
Cash = RM45K (assume)
Loan = RM405K

Acquisition Cost :-
1. Legal fees + disbursement (SPA 450K) = RM3,700 (inc 6% GST and 30% dis))
2. Stamp Duty (MOT) = RM8,000
3. Legal fees + disbursement (Loan 405K) = RM3,700 (inc 6% GST and 30% dis)
4. Stamping fees (Loan Agreement) = RM2,025
5. Processing fees = RM150
6. Valuation fees = RM900

Disposal Cost :-
1. Legal fees + disbursement (SPA 550K) = RM1,000  (assuming you do not appoint lawyer)
2. Agent professional fees = RM11,660 (inc 6% GST)
3. RPGT = RM7,500
4. Bank total interest = RM69,355

Other hidden cost :-
1. Renovation cost = RM20,000 (for fixture items only, you can't reimburse)
2. Cash 45K FD rate = RM5,400
3. Quit rent = RM120
4. Assessment = RM6,000

** Early settlement penalty - Any??

Grand Total = RM132,010
You stays for 4 years free, assuming the rental for fully furnished is RM1,800, then you earn (or save rental of) 86,400
Profit / loss = RM (550,000 - 450,000 - 132,010 + 86,400) = RM54,390

Sifu-sifu pls advise, any profit made? Regardless of lawyer, loan n maintenance fees paid.

Bought a subsale condo at RM450k 4 years ago for own stay with monthly installment of RM2000. Now sold at RM550k.

+1

Please also include value for safety of life and convenience... I think become profit.

Need to let go bro...don like the place!