Is there echo in the building? .....
The divide by 954 lor ...if that makes u happy. Only one seller ..... 

Change ur name oredi laa. Other DDDs have already done that.

Is there echo in the building? .....
The divide by 954 lor ...if that makes u happy. Only one seller ..... 

First u asked me to report u.
Now u ask me to change my name?

Why? U think abt doing that? Malu already ler ..... hahaha....

He can't he is too dumb...hahahahaha...i am literally laughing right now.

Ultimately it always ends with egoism displayed by both side of the camp. eg. my d*ck is bigger than yours comparison. Yet many whom self professed "logical", "sensible", "smart", "knowledgeable" constantly ask why such topic is always closed accusing the moderator as being biased.

Seriously wondering whether keyboard warriors do really feel ashamed?!

Anyway, whether bubble will burst or not; or whether there are bubbles, no one is certain. Even economist are in 2 camps. So whom are we to say yes or no?!.... Oh I forgot, many claimed to be this and that, expert this expert that, experience this experience that. My bad!

My 2cents and take it as final warning which risk closure of such topic again.

Lay your points and debates with points. If got source, point sources.
There is not need to reply every posts with sarcasm or just to retort.
Once points are laid, everyone can judge for themselves.
There is no need to "dictate" which camp one should be in. Again, comes back to my initial point, everyone can make their own judgement!

So if this topic goes off with everyone showing how big their "d*ck" is once again, say good bye to this topic!

If one quarter up 2% in price. .. then per annum is 8% on capital appreciation. ... excluding rental income somemore...
Hmm... quite a decent gain anyway... with rental income shud easily achieve more than 10%... not bad in this so called bubble scenario
..

The overall price increase for 2013 was 11% to RM746 per sq. ft, and drop of 2.5% rental to RM3.56 per sq. ft, for KL high ends condo.  Although I would like to see it fall, it is my honest nature not to tell lie.

However, I don't know the basis and sample for the data.  The report do sound cautious overall for 2014.

Guys play by the rules. Do not troll and Don't feed the trolls.

Be my guest !

Like I said previously, I dun know the basis.

 DTZ_Property_Times_Kuala_Lumpur_Q4_2013.pdf ( 534.17k ) Number of downloads: 74

Kill the thread and lets start a PROPER thread. Long overdue. Told u that you cant start threads with polls and expect sensible discussions.

Kill the thread and lets start a PROPER thread. Long overdue. Told u that you cant start threads with polls and expect sensible discussions.

way to go cyberaster lets goo. finally... please start first

Not really. We just need to stop talking about Amaya and move on to the discussion on property price bubble.
I will close this topic when it reaches 2500 posts.

I tried your long winded post but I am afraid you are the one beating around the bush and tryin to defend crap with more crap of yours. In essence, you are the guy that's providing ammo for all sensible forumers to trash at and keeping this thread alive! Hurray, if not for you, this forum will be quite voting already. Please continue ya:)

Ok. I know of this case. Let's see the scenarios yeah.

"Investor A" assuming staying with parents so no need spend $$$ on his/her own housing. His/Her salary is gross RM 6,000 which after deduction shall be around (RM 6000-348.35-14.75-660=) RM 4976.90

He/She bought a property say in 2010 for RM 450,000. Mortgage repayment is RM 1941.85 (Base on 90% loan, 35 years tenure, 4.6% interest).

So now, the his/her Debt Service Ratio (DSR) is 1941.85/4976.90*100=39%

Then he/she rents it out at RM 1,500 (4% yield).

That would be negative cashflow of RM 441.85 per month. Ok la. No big deal.

--------------------

Now he/she use the tenancy agreement of RM 1500 as income documents to bank. So basically his/her nett income is now RM 4976.90+1500= 6476.90

Based on RM 6476.90, and assume DSR is at 70%, he/she is eligible to take a loan with monthly instalment of (6476.90 x 70%)-1941.85= RM 2591.98 which the loan amount comes to RM 540,594

So now with a new property, his/her monthly instalment will be RM 4533.83 for 2 properties.

--------------------

Imagine this particular person with nett salary income of RM 4976.90 have a repayment of RM 4533.83 which left RM 443.07 monthly if the rental income suddenly stop coming in. Just think and see if this person can survive any probability of interest rate hike, vacant unit without tenant or market slightly crash?

There are people like this out there.

And I have not even talk about how genuine is their tenancy agreement (there are chances some of them using fake agreement or inflated rental price). Also imagine those people who leverage on multiple more tenancy agreement to max out their capability. I'm not saying there is a lot of people like this, but I'm very aware that there is a lot people using their tenancy agreement to take higher loan amount.

Before bnm clamp down, believe similar scenario was fairly rampant among flippers.