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 Are you guys ready for hike in interest rate?, Interest rate rising in July & September

Are you guys ready?
 
Yes, my loan percentage is low compared to my earning. [ 124 ] ** [63.59%]
No. (Explain why no?) [ 71 ] ** [36.41%]
Total Votes: 195
  
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lai_dm
post Jul 11 2014, 09:39 PM

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0.25 hike gonna cost a lot for long term loan tenure

try settle the loan earlier lor ,what to do

put more $$ to loan account rather than put in FD
lai_dm
post Jul 11 2014, 10:04 PM

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QUOTE(Tigerr @ Jul 11 2014, 09:55 PM)
500 per year....we go out karaoke less for one night can easily cover few years lor...

and many bros here if one day hisap one packet rokok less also can cover 0.25 basis point.
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bro 500 can go 6-7 times karaoke la
we all sharing the total bill wan ma tongue.gif
lai_dm
post Jul 11 2014, 10:25 PM

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QUOTE(bearbearwong @ Jul 11 2014, 10:08 PM)
red box, green box times square ask increased rentals oh.... how leh? buffer karaeok increase bit lor per head RM5-10, 5 fellas RM25 to RM 50..

that is just one of it, try eateries too..
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BBW taikor, if they increase price per head then we switch to "load speaker" lor, cheaper
consumer got right to choose. same goes to tenants .. if house owner increase rental then we can
go find other cheaper house to rent lo. i believe there are still many ppl maintain their rental rate wan ..
lai_dm
post Jul 11 2014, 10:27 PM

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QUOTE(Tigerr @ Jul 11 2014, 10:26 PM)
Myself is one of the owners who can swallow the increase. Goid time whack the rental. Bad time swallow lor....do business got to be flexible mah
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sometimes have to swallow, good tenant hard to find one
lai_dm
post Jul 11 2014, 10:29 PM

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QUOTE(tikaram @ Jul 11 2014, 10:22 PM)
Like that die lo.

offer 10% lower no one will buy
offer another 10% lower still no one will buy
so need to offer 50% less baru ada orang buying.

Banyak rugi oh.  cry.gif  cry.gif
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tikaram bro

what about ur existing tenant? will u increase their monthly rental ?
increase susah, tak increase pun susah.. rclxub.gif
lai_dm
post Jul 11 2014, 11:08 PM

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QUOTE(bearbearwong @ Jul 11 2014, 10:27 PM)
of course we are flexible, but flippers are not.. only capital appreciation, cannot sell, money stuck, end up paying more.. how?
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Not only flipper kena affected, middle range income like me also kena lor. Inflation , price go up but salary same. Have to find more lubang income or eat roti kosong instead of roti telur liao
lai_dm
post Jul 11 2014, 11:11 PM

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QUOTE(tikaram @ Jul 11 2014, 10:36 PM)
Cannot increase la.  Nearby got vp units new and changgih facilitues. Increase no one rent oh.

Die lo. Everything up. But my rental cannot go up.

cry.gif  cry.gif
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True, maintain existing tenants rather loss them by increase rental.


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