Really ? Hmm..

Ah Bear Salary RM 4K later get pay rise 1.1K

So now 5.1K + 400 + 240

But since the 400 + 240 cannot be add into income.

5.1K - 11% EPF - Socso - PCB = 4.4K only

Base on 1/3 norm rule Bear2 Wong can only afford 350K Property

One South & OUG Parklane not qualified.

Claim cannot be included in EA

Assumed the 240 parking can be calculated

His Max ability 390K 35 years loan monthly installment 1650

Still cannot afford One South & OUG Parklane

Suria Residence & Mahkota Residence is his max ability provided interest don't increase..

He think we jokes or look down on him.

Let him pay 400K for 350K property next year, then we laugh kao2

He want to joint name with GF, But GF sister ask him if he want to married their sister he have to show his ability, loan under him but name shared with GF.

That's why his Goodview Height dream shattered.

He thought can Kao Lou Poh Fatt Tatt, now he jialat

He try to offer GF Olive branches ie OUG Parklane, One South, Suria Residence & Mahkota Residence, but GF sure reject lah, after test drive BMW how to accept Vios ?

Japan recession, they developer come to Singapore & Malaysia to built property, so new price benchmark.

http://www.skyscrapercity.com/showthread.php?p=118168026

Ice Cream Boy, EPF bought 5% stake in UOA REIT you know or not ?

http://www.thesundaily.my/news/963511

http://www.mole.my/content/epf-property-in...ed-expectations

Teach you so much thing, remember you own me 1 Flavor of the month Chocolate Coconut Flan ah...

This post has been edited by jolokia: Nov 17 2014, 05:34 PM

UOA REIT also mah (Btw you know what is REIT right ? Do you ?)

If need me clarity then Half Gallon Ice Cream Woh..

Guy & Girl think twice before consuming Ice Cream.

http://blog.usfoodsafety.com/2014/02/05/to...efore-ordering/

http://www.themalaysianinsider.com/malaysi...come-inequality

Bear2 please read this & give me your conclusion or this article.

Since year end salary review around the corner, let me see how much you worth next year...lol

Play2 only lah ! I provide you free coaching. .kekeke

Again you are talking about the color of the dog collar rather than the dog itself.

Lower income group is never in the picture, they can only depends on the govt.

Lower Middle income group is the rent supporters lIke you, helping the owners paying mortgage while waiting for best capital gain to dispose.

Upper middle income group is the secondary buyer, helping owner to gain & buy more.

The higher you income the better you are shielded from inflation impact.

Which is why I told you these investors will be the last to fall, as they have property on hand which the middle income group needs, they have upper hand.

Now you see the top is many2 timee safer than the middle & bottom.

So you can dream on if property price going to drop 10-20% next year.

US fundamental already weak somomore their people no saving & income very equally distributed2 which is why it can't hold, property is always Chinese speciality angmoh where got know how to play ? Chinese been doing it for Millenium lah.

Greece collapse due to their govt debts lah.

China property did not crash Woh ! Merely minor correction, somomore do you know theirs property mostly bought to using proxy to hide those officer corruption & black money, if keep in bank mati on the spot lah, keep as properties using 2nd 3rd milk name who knows ?

Singaland that one totally wayang kulit to comfort the majority HDB voters lah, look at those new launch EC within same days almost sapu finished, somomore not cheap Leh.

Ah you see thing same as your analytical skill "skin deep" how to promote further lah like that.

Ok nexr year your salary 1% increment only..wakaka

You go see Baskin Robbins ice cream few variety niah, got permanent flavour, rotator, sherbet, yogurt, flavour ot the month, 3 sizes pint, quard & half gallon, Sundays, so life is much simple, you go give him, land, build up, material, facilities, you want him go crazy meh...lol

I go unlock the V14 now, once reach 2500 post you guy can continue there, or can continue here till I come back short while.

https://forum.lowyat.net/index.php?act=ST&f...&t=3412386&st=0

V14 发

This post has been edited by jolokia: Nov 17 2014, 10:36 PM

We are all Bear Bear Buy lah "BBB" mah..

See give you so many ideas & method for free, where to find ?

If you wanna buy next year now must lock in target like sidewinder loh ! monitor the price movement & check with actual owner about the condition & service of the property.

Unlike investors you need to live in it & lock for at lease 3-5 years.

Or else another Green Terrain kosong dream.. learn your lesson oh !

As if he is not BBB, only reason he is not because PAMA land cannot flip & he didn't get the downpayment commission. .

Told him already bubble will hurt him more than the investor.

He is paying inflated price plus inflated interest.

Thread close !

Let continue the party here



https://forum.lowyat.net/topic/3412386/+0