Basically it is leverage, using a small knife to cut a tree trunk, can be very profitable in the bull market, likewise downfall is equally severe.

2.5 m new voters doesn't mean these r all new youngsters just that previously most youngsters don't bother to registered as voters they thought not point voting as no changes can ever be made, until 2008 they noticed the possibility is there,  therefore more go & registered, many of my friends & colleage in their 30's who had never voted only registered months before GE.
Using new young voters as guide to potential properties purchaser is totally misleading.
Ask yourselves do you have as much children's as your parents or grandparents ? most if not all of us have less, so whey got so many new young buyer's.
Percentage of Chinese in population also getting less & less, as I said so many Chinese school is in the verge of closing down due to low number of enrolment.
Our voter's very long life one many exceed 100 years old ..hehe I'll take with grain of salt if someone use voters as guide.

Opposition??? Maybe. But be end sure make rakyats look stoopid with Bangla.

According to cencus done in 2010,  during 2001 those below 15 r  32.7% by 2010 is was 27.2% a reduction of 5.5% youngsters.

this is based on the assumption that the youngsters you quoted will all vote for opposition.

You will be surprised at the number of university students who LOVE gomen... The internet helps to educate... and also to misinform.

Anyway, even with these young people entering the workforce, is there any guarantee that they will search for their own home instead of saving up and staying with their parents? Perhaps a more conservative estimate should be used in terms of calculating future demand, especially with the new LTV rules

If u talk about the majority, no. only a certain % can survive.

i can be very sure that the majority has no quality, hence cant survive. if there is a slowdown, then those borderline case may not survive too

im sorry. no

wut i mean is, the quality of the our workforce.

See, no one will ever admit theyre bull. But their arguments indicate they go in one direction.

I don't know what garbage talk is that.

How can buying a prop be likened to chew pig bones (啃猪骨头) ? 

The new condo is in shah alam. Financially i am really good without any car or house loan before. zero monthly commitment

I think in his case, it may not be that reason. If this happens to all banks, then it is something new. Otherwise, they will just tell u that u dun hv much credit history. And at least one of them will try to get the business.

I think this is probably the reason or his prop is valuated lower.  But i was wondering y all the bank officials told him that way.

For project vp after April 2015, most if not all developers have already factored in gst. What price increase next year?

Actually gst effect is kind of complicated. For construction materials, instead of 10% sales and services tax, developers will be paying 6% gst. However, as other consumables, eg petro, and labors, etc, still subject to new tax. Chances are there is net increase, but not to 6%.

For affordables or cheaper prop, since it is in high demand, seller will increase price. For high end, it will maintain or decrease as the demand is not there. E.g., 500k below and own stay should be ok. For investment and high end, similar can be said.

I think for labors, sst is not paid. But for materials, like steel bars, concrete, cements, I thought sst is paid on factory side ? But knowing contractors, their competition is very intense. Except for specialists, like pipejacking, etc, contractors r cutting margin for jobs.

But u r right, developers will increase price if they hv the options. That is y i said it can get complicated.  Only few new launches are profitable for investment after factoring all the new taxes. I think the best strategy is still wait and see.  If the sales and bookings is bad, how to increase price?

Why are you feeling so negative and bitter? 

Haiy my friend.. take dat all aside.. ask yourself.. will u buy a studio in kl for 600k for stay or investment.. for landed.. are u going to buy 750k outskirt say kajang.. for stay.. thereafter see d market in general can absord or not..