If Dev dont spend heftily in Adv...... U may not even get to kno the prop leh......   

And i always hear a group of ppl likes to say...... This company (Dev) dont even hav money for advertising, I think they are not doing well... better watch out....   

Three tips for jolokia when discussing something:
1 Stick to the original point of discussion
2 Read through the reply properly and think about what it means before replying
3 Study this and think about what category your reply will fall in Graham's Hierarchy of Disagreement

why keep asking people where they invest? prop is not necessary for invest. and not everyone is unique like you, no prop but shout like prop guru.  

No such word "Should" as everyone spending pattern is difference, though safe is 1/3 or gross income, meaning around 1.5K (if you can get a 35 loan).

As i said different spending pattern & burden, some people might have car loan so house loan will need to be lower, some people have PTPTA, Personal Loan, some have big family & etc. there is no straight answer all depend on individual.

Golden rule is spend within own mean & try to find second source of income.

Bro.. have you check clearly the 1/3.. I can only remember 70% DSR on nett salary.. correct me if I m wrong.. this was implemented last year august 2013

say a man earning 3k permonth..
after minus EPF and etc.. nett is around 2.6k monthly
assuming one is debt clear only waiting for house buy
you say 1/3, means.. 2600÷ 3= 800 plus

on a rough calculation 800 monthlt converts a 35 yearsloan, 10% downpayment.. property below 200k maybe 180k..it coukd be worse than 180k..coz minus BLR can never get - 2.45 so low of loan suns maybe -2.1.. means you service more to bank but a lower loan sum

This mean banks are considering 33% of your nett salary.. lets work d way back.. market segments in subsales are harbouring around 400k to 800k.. I think even 400k also no much.. 500k to 800k mass vacant units are these..

so 500k to 800k range, 35 years loan , 10 DP
monthly commitments based on your 1/3 or 33% nett salary
2.4k to 3.5 k monthly (please add rm 200 extra for maintenance and those G&G landed..specifically addressing newly vp condos and outskirt landed)

2.4k to 3.5k for 500k prop to 800k.. you say 1/3.. means full/ nett salary need to be as follows.. again assuming on no commiements..childrens.. cars ( undeniable commitments other wise no jam)

(2.4k x 3) to (3.5k x 3)
7.2k to 10.5k nett salary...
convert to gross will be around
8k gross to 13k gross.. man assuming no car loans.. no other commitments.. if one has car which is 90% of the case save for some exceptions) your 1/3 will further get lower installments..

so are you sure now 1/3 is the right. . Know gov recommend so..
investors wil very worry over this.. or izzit there is a new measures bro showtime747 no update us? 30% DSR? Hmmm.. careful  for what you wish for

@BBW, in china correction dy started. sorry it isnt malaysia news XD



Source:http://www.zerohedge.com/news/2014-10-22/mapping-chinas-bursting-real-estate-bubble

i back to sheath mode XD

Like this property segments btw 400k to 800k can hold long long scaring investors.. reverse physiology.. good

No wonder 200k chips.. sure loud bo bubble.. how bubble? 300k.. 400k 500k still got buyers

Actually now you mean to say.. most investors or majority of them are holding are 200k earning? And target those below 10k monthly?

malaysia must have GDP surpassing any countriez in Asia for this.. our share market should not be 2k only points.. may 20k points like that ngam mou?

bbw yday or last night must hav got high pressure from gf or in-law side again........     

So saddened for this man used to be a rational group.. but sadly joined the herd recently... lets rejoice day ahead

Bro bear need more time to type in lyn. He pmed me he gotten 2 more days annual leave. So today tomolo oso sibeh stress.

why keep asking people where they invest? prop is not necessary for invest. and not everyone is unique like you, no prop but shout like prop guru.  

Bro bear need more time to type in lyn. He pmed me he gotten 2 more days annual leave. So today tomolo oso sibeh stress.

Y wan to typ? Go out lim kopi with bear bear la. Can talk bout prop, klse, gold, dj, palm oil..thn c whtr can do joint venture investmnt.

Reality is cruel la. Dun stay in dreamland. U ll nvr succeed with sweet dreams

Y wan to typ? Go out lim kopi with bear bear la. Can talk bout prop, klse, gold, dj, palm oil..thn c whtr can do joint venture investmnt.

Can drk kenot jv. Jv bro bear sure kantoi.