Pill Kuda ? Blue pill i don't need yet 

If i need to take some much medicine everyday, probably i'll be rich very soon, people burn me 3 storeys bangalow, Benz with driver, Gold & Silver inglot,  huge stacks of 1 billion notes, few maids.. 

With his 4k low salary, the extra 10km milleage claim will earn bear bear free cup of coffee bean.

Y u so cheapskate cheat on mileage claim? Dun feel malu meh?

come on , claims double triple or whatsoever is not my main aim, opening business is... this can roll up to 5 digits..

If demand for housing (exclude flipping and investment) is strong, why need to promote over 1,000km away?

it is not inflated, it agreed/allowed . rental dun say, few hundreds only, furthermore, it is my relatives one..

Dern gav up debate on bubble crash. Tired. Not energetic like bear bear. Her battery habis.

Malaysia bank actually is very prudence in lending , what Bearbear said just on a very small percentage of cases.

U think bank really so easy lend to ah pig ah dog meh, if like this loan shark can chap lap dy

or maybe he has friends who are valuers from bankruptcy departments and loan officers as friends, could this? why were the valuation for auction are lower than selling and buying activity?

same valuers what..

oh, ya hor the internal team officers vetting documents and earning slips, wonder they do eat ? the loan officers will push for it, small time loan officers of course be ignored, get ur manager to support then confirm go throught.

pure trolls, the claims were reflected under the bills, even there are 10 files boss say 5 files, boss still claim the remaining 5 files disbursement, how you billing one?

The moment you talk about loan approval really make me drop my jaw. You better learn more before start your biz. Over here you talk naive people just lough at you...nothing hurt la.

I bet he had been mislead by a tai lan kong loan manager saying he can approve loan application.

Lu qi 9 sin. Flipper earn the 200k with legal documents and pay tax. You flip the mileage and rental any documents? Doubt you pay any tax on that.

Oh yeah hor. Everyone piap, ddd mustn't piap. Jialat they r tasting own med tim.

Student kenot piap piap.

Ok. If he buy, u tiok. If bear bear dun buy, u tiok oso. Opps..typo error. Bear bear tiok.

very monority , still a debatable issue, not big numbers is  a better word.

but that is a very great problem in property and very subjective..

say GT208 selling 550k , valuation only reach 550k

then got 1 joker come and buy and interested, but do not have enough cash in hand, but exhibit loan ability to borrow loans worth 550k or even 600k

so, how to go about it? easy, valuers and agents will be there and say "where there is a will, there will be a way, furthermore, when one need to buy property and we need to hit our sales target, even if you need the god to come down we will also serve you"

such as owners marking up price to 600k, under table valuers 550k now become 600k, if you want 650k also no problem..

so 600k loan was disbursed to owners/seller, of course this is/maybe one off incident by under table, but problem is it only takes 1 case to have transacted at 600k , and the new market price is now 600k for all the units waiting for sale.. at this point, these case are no longer consider marked up after the first went through, this is precedent price..

it only takes a few/very minority if you like, but the effect will be horrible, just try 2 more under table transaction like this on top of the distorted values, then we have the idea ( 5-10% increment yearly even though bull run is over syndrome) , and the other follows, bull fever is not over yet, though we may have low transaction, price still going up, yup I see that going up  , Malaysia GDP /economy damm good

now you see where I am coming from despite very little/ very minority transaction?

and yup bank really did better study than anyone of us, just the implementation what...

I also see LRT business so good, KTM too so good, even laws of our country so good, we are just behind UK in everything, but still we making loss in LRT, KTM and law of course..

even you take company, shareholder and management are different ppl, the management are merely workers, some be high rank and some be low rank, money is not thiers, as long as they can show to shareholder in their term of service maybe 10 years before retire/changing that they have projected profits for the next few years to come, they discharge their duty already..

companies like Lehman bros are also made with good safeguards/study have they not? but the truth is that they collapse..

to share further with you, we have non executive directors, internal audits, external audits, and etc to protect interest of share holders, so has all these body perform what they they should do?

actually now tightening lending means economy not good? the increase of OPR clearly means gov want the public to use lending with care not just taking debt due to cheap interest..

enough is said, I think you have better appreciation of what has been mention, especially on the under table but in minority numbers