It may not be so bad for you since you bought at RM400k, but those who buy now at RM600k will be having negative cash flow. As financials 101 teaches: leverage + negative cash flow = disaster!

No, rental yield calculation is not using leverage in the calculation. If you want to use leverage, maybe use COCR which look at cashflow (initial outlay, legal cost, monthly net cashflow after deducting repairs, installment etc), which is different from person to person (ie how many % of loan taken, old house needs more repairs). If you use 90% LTV, most probably you will have negative cashflow

Capital appreciation is an unknown. Each person has his own estimation. That is probably why some pay sky high price, while others (like me) don't feel it is worth it with the current environment. I only look at numbers I can grasp. If you factor in some unknown, then it becomes judgemental

sorry to interupt ah.. not 650k meh.. prop wall all 650 k oh.. drop already ah?

The difference between USA and malaysia is in the states once foreclose the debtor don't have to pay the underwater loss, they can walk away without further liabilities. In malaysia, debtor have to settle the difference after foreclose, otherwise the bank will sue for bankruptcy!

And dare to troll he do audit before, from the wavelength definately I am sure he got no accounting background but surface knowledge...

Cherroy bro already give few good senarios, this is forum we cant get everyone agree on the same thing, but try to learn the right thing

I really dunno.. I so far havent encounter to know that property market is so good and convincing till we need some ppl ( except agent and ppl with vested interest) come here to ADVICE forumers here to BUY so that they wont miss any prop..

Normally if the market is so good most of them will keep it to themselves..amanya maluri is just another fictitious example.. many high rise are with that price tag are the same prob..

I never report "siapa-siapa" in this forum.. u ask d admin..  most of the flippers and agents are chinese..

719sf (1+1R,2B) : RM488k – RM600k
920sf (2+1R+2B) : RM600k – RM750k

http://www.iproperty.com.my/propertylistin...sidence-forsale

for the 920sf, if sell around 600k, i think consider OK...
not sure why so many discussion about this property...

this posting is very recent...but dunno why the range can be quite big..eg. 719sf can be from 488k to 600k...huh? same psf the price fluctuation so big?

Who is trying to create a good market feel here same guy 2 different accounts.. dat is prohibited in LYN.. 3 years ago.. now u bought 450 plus only.. now u sellling 650k I believe all adjacent unit is selling.. since you are so confident that it will go to 750k by next year an easy100k profit gross.. u should start buying more amanya units currently all also selling to anticipate the opening of velocity which will furthet shoot to 1 million singaporeans would love it...

Shouldn't you? If u want 650k or even 600k.. I can recommand you.. so that you profit an extra 100k easily right according to you (ppl offer 650k you still dunwant to sell)

The sad part is klcc view is now totally blocked by velocity when sun velocity finish right?

Just based on.. I m trying to gauge your income.. 2 biji amanya bought at 400 k per unit.. means total 800k minimum... minus 80k deposit... plus legal fees for 2 around 30k.. plus stamp duty.. total 110k.. loan amount 720k.. the best bank take alliance now.. monthly service 3.5k for 35 years... salary for approval 70 percent means 2/3 of salary (maximum)... 3.5k X 3= 10.5 k nett... gross around 12k...

wow I respect you... u really deserve to buy even without bumi discount.. or even early bird..

and with 110k cash... havent add car and expenses..

No personal attack ok..

U tot all ppl pay loan like ur calculation. He can not tk flexi loan and put 720k in current a/c ?. Apalah Lu?...

wow, naive, nothing is borne by developer (unless is your father, mother whoever relative/best buddy you close with).

borne by developer = borne by the loan from the bank = borne by YOU anyway.

P.S. I've gone through so many SPA.

Cheers.

Amboi teringat pula Hj Bakhil lakonan Alayaham Udo Omar dalam Filem Labu Labi .. ish 2,  jangan marah..lol

Amboi teringat pula Hj Bakhil lakonan Alayaham Udo Omar dalam Filem Labu Labi .. ish 2,  jangan marah..lol