My philosophy is like this. I dont worries property price higher, I dont worry installment is high. I ll just buy n tahan for few years to 10 years may be. Then, I believe I ll reap the benefits. Why? See below.

if I buy properties (few units) worth 2 millions combine. My installment per month could be 10k a month. I will rent them all out cheap even to collect half my installment amount also never mind. So, let's say I collect 5k in rental n my real installment is just 5k a month. With 10 years down the road, assuming I dont even increase the rental and it is still cheap, I can keep all the tenants for 10 years. U think the 5k u pay 10 years later is still too difficult for u? The money value will shrink n may be 5k in 10 years later is sap sap sui for u already. Plus the 2 million worth properties may become 4 million or more.

May be u your annual income already more than 200k++ n the cheapest property at that time, installment already start at 5k minimum.

I have regretted my life didnt pick up a house in SS15/2B many many years ago....now it increased almost 300% liao...because that time if I buy, I got to pay monthly installnent of 800 n u can imagine now....if paying about 800 is it too difficult compare to last time???

beae bear...please be remembered. I dont have n will never have the power to spur the market nor to stir the market. This is just a forum to express opinions n I am not collecting fees from expressing opinion nor do I earn commission fron you or anybody if u buy or not buy.

I came from a poor family, I worked 4 jobs simultaneously while in college. I get to where I am today n having positive thoughts n mixed with the right (lots of rich n influential) people has help me build my wealth n confidence. I once are as timid as u all n have failed along in my life journey n I am lucky I can pick up from where I fell down. Investing in properties is not the way I getting rich but just a way to enhance my n preserve my wealth n using the people to help me build up more wealth. As I mentioned several times before, I buy not brcause I want to sell n flipped. I rent. I use others to help me pay my installment or subsidize my installment. In the end of the day, the properties is still mine. The worthiness of the properties may have double or triple. The bosses I met, they are way richer than me, they not using properties to make their wealth, but they using machineries, equipment, plants, factories etc....

there are more n more things in life that u have not encountered or seen before although u said u also know many datuks or tan sris....

My philosophy is like this. I dont worries property price higher, I dont worry installment is high. I ll just buy n tahan for few years to 10 years may be. Then, I believe I ll reap the benefits. Why? See below.

if I buy properties (few units) worth 2 millions combine. My installment per month could be 10k a month. I will rent them all out cheap even to collect half my installment amount also never mind. So, let's say I collect 5k in rental n my real installment is just 5k a month. With 10 years down the road, assuming I dont even increase the rental and it is still cheap, I can keep all the tenants for 10 years. U think the 5k u pay 10 years later is still too difficult for u? The money value will shrink n may be 5k in 10 years later is sap sap sui for u already. Plus the 2 million worth properties may become 4 million or more.

May be u your annual income already more than 200k++ n the cheapest property at that time, installment already start at 5k minimum.

I have regretted my life didnt pick up a house in SS15/2B many many years ago....now it increased almost 300% liao...because that time if I buy, I got to pay monthly installnent of 800 n u can imagine now....if paying about 800 is it too difficult compare to last time???

Now even more blur, BLR increased, GST coming.. Should buy now or wait.. If property market softening, will people be willing to lower the sale price, especially in the subsale market.. E.g BU, Bangsar, DU or AD..

Banks will increase blr.. and squeeze property investors instead.. they are rich wat.. that y can owe property.. ppl cant affotd to buy that y choose fd..

My fulltime job is a banker with a foreign bank....we are giving loans in hundred of millions but not into properties loan lar .

so, I also have some ideas how bankers do their job. Wait one day, got chance I bring u to Club 33 at Marina bay to have happy hours with the bankers from around the world. They gather there....life is easy for them n splashing money like water is a norm to them.

Yup annual income of 200k plus means monthly more than 10k.. PEMANDU and EPF already projected growth  by 2020 these groups of high salary workerd are still less than 10%.. salesman, ur criteria is different presuming you are not lying.. how to apply across the board.. last I heard you say one shot commisions can stop increase of blr of 0.5 for 30 years right.. high income earners..

your views if are true are based on your salary bracket.. that y you hold 10 years also a changed tone..

Yaya big names... which is only 7% of the working class.. 7% trying to ask thecremaining 93% workees to buy and spend.. of course..

tan sri here.. there.. datuk here there.. but how many of them in population? Bbb says 70% rich.. 30 % poors and middle class..

I think the same too. I buy a house and ppl help me to pay half of my installment. But ppl are afraid that they don't have holding power or what if can't rent or lose their job. I'm just a small potato. At least start with Buying a house and able to rent the rooms out. Come a time u might even get back 100% installment and u get a free room rental for urself.

U also funny bro
U dint see he keep saying interest high and will keep increasing meh ?
U think he so stupid go mega sales now and buy property and let interest boom himself ?

Cooling period , everyone scare to buy

I think the same too. I buy a house and ppl help me to pay half of my installment. But ppl are afraid that they don't have holding power or what if can't rent or lose their job. I'm just a small potato. At least start with Buying a house and able to rent the rooms out. Come a time u might even get back 100% installment and u get a free room rental for urself.

My philosophy is like this. I dont worries property price higher, I dont worry installment is high. I ll just buy n tahan for few years to 10 years may be. Then, I believe I ll reap the benefits. Why? See below.

if I buy properties (few units) worth 2 millions combine. My installment per month could be 10k a month. I will rent them all out cheap even to collect half my installment amount also never mind. So, let's say I collect 5k in rental n my real installment is just 5k a month. With 10 years down the road, assuming I dont even increase the rental and it is still cheap, I can keep all the tenants for 10 years. U think the 5k u pay 10 years later is still too difficult for u? The money value will shrink n may be 5k in 10 years later is sap sap sui for u already. Plus the 2 million worth properties may become 4 million or more.

May be u your annual income already more than 200k++ n the cheapest property at that time, installment already start at 5k minimum.

I have regretted my life didnt pick up a house in SS15/2B many many years ago....now it increased almost 300% liao...because that time if I buy, I got to pay monthly installnent of 800 n u can imagine now....if paying about 800 is it too difficult compare to last time???

Yup. That's the way....but not the only way lar...

only if people want to buy from you.. or can afford to buy look at PEMANDU and EPF data.. where got many rich ppl.. middle class a lot.. if they stop buying before this hike like now subsales like dead fish.. after 2 cycles of increase and GST.. they just cant buy.. you guys will be holding..

and between, you play rental games, how is yields after BLR increase? increasing rentals or swallow? those newer prop rental yields already depressing now add salt to water luu

As I have always said, bearbear you will never ever buy property. Interest rate movement, bad news, government statistics (like Pemandu/EPF you read now), government measures etc will always happen in your life every year. If such small event like 0.25% will affect you, wait until you encounter bigger things. So bearbear, forget about buying property. Your way of interpretation of news will make you delay and delay your purchase. Small incident only, and your legs will shake

Remember last budget when Ah Jib announced the measures to curb property prices ? Such big impact ! 30% RPGT !! Foreigner RM1m !! No more DIBS/zero entry !! Sure property market affected right ? I was dead sure the property prices will come down as you are now with 0.25% interest rate increase. I was dead wrong after 1/2 a year 

Again my advice to you. Remember you are buying a home for you and your wife. You are not buying a property for investment. You buy a house you and your wife like. Not buy a house at a price you like. Ask yourself, if your property later increase by RM300k will you sell ? If your property later decrease by RM300k will you sell also ?

Future is so uncertain. The price may go down, but at the same time, it may go up also. Nobody will know.

As I have always said, bearbear you will never ever buy property. Interest rate movement, bad news, government statistics (like Pemandu/EPF you read now), government measures etc will always happen in your life every year. If such small event like 0.25% will affect you, wait until you encounter bigger things. So bearbear, forget about buying property. Your way of interpretation of news will make you delay and delay your purchase. Small incident only, and your legs will shake

Remember last budget when Ah Jib announced the measures to curb property prices ? Such big impact ! 30% RPGT !! Foreigner RM1m !! No more DIBS/zero entry !! Sure property market affected right ? I was dead sure the property prices will come down as you are now with 0.25% interest rate increase. I was dead wrong after 1/2 a year 

Again my advice to you. Remember you are buying a home for you and your wife. You are not buying a property for investment. You buy a house you and your wife like. Not buy a house at a price you like. Ask yourself, if your property later increase by RM300k will you sell ? If your property later decrease by RM300k will you sell also ?

Future is so uncertain. The price may go down, but at the same time, it may go up also. Nobody will know.

and between, you play rental games, how is yields after BLR increase? increasing rentals or swallow? those newer prop rental yields already depressing now add salt to water luu

My philosophy is like this. I dont worries property price higher, I dont worry installment is high. I ll just buy n tahan for few years to 10 years may be. Then, I believe I ll reap the benefits. Why? See below.

if I buy properties (few units) worth 2 millions combine. My installment per month could be 10k a month. I will rent them all out cheap even to collect half my installment amount also never mind. So, let's say I collect 5k in rental n my real installment is just 5k a month. With 10 years down the road, assuming I dont even increase the rental and it is still cheap, I can keep all the tenants for 10 years. U think the 5k u pay 10 years later is still too difficult for u? The money value will shrink n may be 5k in 10 years later is sap sap sui for u already. Plus the 2 million worth properties may become 4 million or more.

May be u your annual income already more than 200k++ n the cheapest property at that time, installment already start at 5k minimum.

I have regretted my life didnt pick up a house in SS15/2B many many years ago....now it increased almost 300% liao...because that time if I buy, I got to pay monthly installnent of 800 n u can imagine now....if paying about 800 is it too difficult compare to last time???

I think the same too. I buy a house and ppl help me to pay half of my installment. But ppl are afraid that they don't have holding power or what if can't rent or lose their job. I'm just a small potato. At least start with Buying a house and able to rent the rooms out. Come a time u might even get back 100% installment and u get a free room rental for urself.

BLR increase those outstanding loan I have, sure have to pay more lah. As for rental, I will increase whenever I got the chance. I have increased rental last year even my cost never increase. So, when their tenancy agreement ends, if can, sure I will increase. Businessman mah. This hike is a good excuse to increase rent later. My tenants all will anticipate. If I don't increase their rent, they will thank me like a god

Rental game is another story all together. Buying the right property is very very important