Which area will do well? Which area bad?

2015 crash. Bear bear buy. Zuiko tiok.

Bearbear so proud to start v13. Bear bear no shame talkin bout crash fr v1 until v999? No brain.

Bearbear no shame rebut v13?
Tpi skit.

Now got 2ver v13. Latjiu vs bearbear.

Lat jiu V13 ver BearBear V13



https://forum.lowyat.net/topic/3392892/+20

https://forum.lowyat.net/topic/3395775

This post has been edited by CloudAtla$: Oct 31 2014, 10:25 PM

Lat jiu temporary lock but BearBear permanent closed.

BearBear v13 kena closed. Kesian.

BearBear too chi kit kan cheong wan TS v13. Chi 9 lan sin jor but end up kena closed by MoD. Laugh 9 die me.

We suppot uuu lat jiu.

Mana MsHuiChyr? Bear bear need ur sPeR$m lotion to thicken his skin. Got stock? Bearbear v13 kena closed.

Ur v13 kena closed? Kesian..

U closed v13? Haha..
Not mod closed it meh?
Lat jiu oso v13. How?

V13 how?

Let me help bearbear with his v13.
I copi and paste here. Bearbear happi liau.



UNDER CONSTRUCTION!!!! v13

This is a continuation from V12 of property bubble, since now as at 2014 October, price of property are still going up with some areas are stagnant, no major correction/bubble , but transaction units has drop tremendously in sub sales & new launch



Current cooling measures implemented by government of Malaysia inclusive of state, bank negara and federal:

a) Removal of DIBS

b) Foreigner restrictions increased from 500k to 1 million which was enhanced by breaking to 3 zones in KV
respectively for residential & commercial (in short hot areas in Klang valley had raised the bar to 2 million above)

c) RPGT (disposal of property within 5 years) in force 2014 are now chargeable tax:
1-3 year= 30%
4 year= 20 %
5 year= 15%

d) DSR (debt to service ratio) in force on August 2013
loans approved are based on 70% max from your nett salary

e) Maximum loans tenure up to 35 years or max 70 years

f) Government intervention in building affordable houses

g) 3rd and above house maximum loans of 70% from financial institutions

h) etc

Current price range : mostly sub sales are priced between 300k to 800k
: mostly new launches are priced between 400k to 1 million

Current rental price range./most optimum demanded rentals : between 1.2k to 2k

most new launches rental yields will score negative rental yields especially 500k category or 300k above properties above

***
for newbie/first time corner to own a house:
a)due to the current price of new launch are withing 400k to 1 million,new launches tend to have package and minimum down payments as possible to facilitate buyers to own a property

b) as for sub sales groups, due to the properties within the region of 300k to 800k, buyers now need to provide the following:
i) down payments (around 30k to 80k, depending on range)
ii) legal fees for Sales & purchase agreement ( around RM2.25k to RM6.5K)
iii) legal fees for loan agreement (same around RM2.25k to RM6.5K )
iv) stamp duty for Sales & purchase agreement (RM5K to RM18K)
v) stamp duty for loan agreement (RM1.5K to RM 4K)

**all in buyers/newbie need to fork out a range of (RM45k (for a RM300K property to RM115 K (for a 800k property), not inclusive of disbursement which may easily cost 10k for all the above (depending of firms) renovation, and etc, just mere basic unit or old sub sales with renovated

the calculation can be found below link, put in your figure into the S&P/loan/STAMP DUTY calculator:



Units available:
a) apartments
b) condo
c) double storey
d) Towns house
e) Semi detached & Bungalows

**Mass supplies are mostly found in category b & c

Upcoming property challenges and external factors:

a) affordability (higher entry prices with down payment, legal fees stamp duty)
b) OPR/BLR increase
c) Inflation
d) Property price going up (resulting stretching away from valuation)
e) Transaction volume
f) Competitive packages
g) Government affordable houses
h) GST implementation

Upcoming factors boosting property property price /external factors:

a) MRT completion
b) star LRT extension
c) MRT extension (Putrajaya-Klang extension)
d) population increase (migration of population to KV & johor)
e) government package of stamp duty exemption of 50% on properties below 400k and below 500k( terms and condition applies just in force after budget applies to loans too)
f) developers are bypassing DIBS programmer (by giving high rebates, such as marking up prices and etc) to qualify lower entry
h) Financial institutions are offering to cover all interest served during constructions by either factoring into the loan sums

Outlook of properties that were risky of correction in TS personal opinions are for properties purchased 1st hand (developers sales):

a) those range below 100k ( flats & apartments are best bargain chip, no bubble and renal yields are the best, suffer hardship in selling due to old units)

b) those range below 300k ( apartments & maybe condos & townhouse or even double storey in some areas consider very good bargain in sub sales as these sub sales price falls within the region of the lower bracket of affordability i.e maybe around 400k to below 500k, rental yields also good as design are more modern especially condos)

c) those range below 500k ( mid end & high end condos, apartments, double storey , semi D in some cases) quite risky investment as the sub sales price are climbing up to 700k above region in sub sales and mostly located outskirt properties or newer/modern properties especially outskirts projects like Semenyih, Bangi, Rawang, Seremban, or high rise within city center and mature areas.

d) those range 600k and above ( latest generation of property double storey, semi D's and bungalows with most modern facilities and facades) investment is rare is this category , most developers are holding to these properties with these pricing.. no competitions meant for own stay category

** categories a & b can be considered as blue chips in properties, even they can be sold, the rental yields covers as median /optimum rental demands are between 1.2k to 2k (highest demands)

**category c are highly likely to face bubble with vacant units

**category d shall remain resilient in price, these are meant for own stay products and if there are invetors, it will be a long terms ones

Bearbear, dun giv up. Nxt v14, u be TS. We support u.

MsSper$m 01:39 AM curi curi replied.
Kenot sleep?
Beh tahan?
Tulan? Deprezz?
Told u alrdi.
21sept 2014 no crash wor. Wan to cancel d bet or not jEK?
Btw, whn nxt crash? Bear bear predict jan2015. He joinin u in tatanic in 2months time. Both lapsap wont be lonely and deprezz anymore.
Post 2 lapsap photo 1 for u 1 for bearbear. Both so kesian.

This post has been edited by CloudAtla$: Nov 1 2014, 08:08 AM


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Bear bear v13 kantoi! Never mind. We support u fr v14 until v999.
We know now u deprezz like msSpe$m liau. Kesian.

This post has been edited by CloudAtla$: Nov 1 2014, 08:13 AM


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Bear bear,take the challange. U the man. Buy and tiok banaNa.


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Bearbear buy. Zuiko tiok.
Or bearbear no guts? Rathr tiok his one?
Bear bear, stop be a lapsap like ur othr lapsap comrade mshuicyr. U can follow baNaNa buyin like no tomoro until chi 9 lan sin jor.