Including the one who sold too early last year, now holding petty amount of money go study, but money burned of quickly no choice but to work part time in ice cream stall earning sesame wages, very low possibility can afford another property in near future, so only hope is for market to collapsed, that is merely a dream which will vanish when the alarm clock ring, so is another day of suffering at ice cream stall.. 

Alternative???

My ideal is to give 1 Landed and 1 highrise to my children so that they can stay in the Landed and keep the highrise for investment or for their own children.  So in this case, I hope to be able to help my future 2-generations.

For Landed, I cannot afford KV area, so it has to be in South of KL.

For Highrise, buying in South KL is a BIG risk at the moment, so I have to confine to hotter areas like OKR, etc.
This is just friendly discussions. We should always refrain from playing 'Who has the biggest D1CK"

Situation will force people to change. If the property price is way too high during that generation, there is no other choice but to stay at old house. 

Do u hav a choice if prime area do not hav land for new project and u do not wants to spent hrs of travelling??    

u hav to compromise in some way isnt it??....   

Some people preferred older property as the area very matured & many amenities, eg Setapak area which deem very old yet look at the amount of project there, 20-30 minutes to KLCC very difficult to find now.

Apart from the common sense that older property may need more $$$ for reno and repairs, there is also other factors such as Concept & Lifestyle

Newer Properties incorporate Concept & Lifestyle in the township such as SEH, Eco Majestic, TH, Nadayu 92 that the older Taman in Kajang such as Kajang Perdana, Kajang Prima, Kajang Utama cannot / do not provide.

So, the price has also been incorporated.

hi , my debt is about 1 million, hope to get advice from  sifu here
i got 50k cash now, how should i use it now?

house 1 , debt 443k installment 2600/month , interest rate blr-2.3 - no rental
personal loan 41k, 24 month now left 18 month , rm1815, interest 3.13%
house 2, debt 460k - DIBS, will need to serve the installment 1Q 2015, installment about 2.1k a month, BLR-2.4
car loan , 100 k , interest 2.48 % monthly installment 1874, 5 year,

how should i restructure my debt?

my income to debt ratio is 90 % at this moment

First time i see this kind of thread. Once in a blue moon. You say common or not ?

Ice Cream boy win Liao today, finally he found whonhe looking for..

The fellow still got family house to stay, most probably still got PAMA to support in case emergency.

He more like wanna know how to extent his 50K.

Let hear from him next year & see how.

How yesterday ice cream sales ? Good ? If got people eating expensive ice cream mean economy still good.

salary increasing, more interested on how to max up the 50k lol...
my holding power very strong.. not thinking to dispose my property.
...
well supported in case anything happen

Period***Terraced***Semi-Detached***Bungalow***High-Rise 
                                            Annual Change % 
2010--------6.5----------7.6-----------------7.4-----------6.2
2011-------10.6---------9.0------------------5.2----------11.1
2012-------11.1---------9.2----------------11.8-----------21.4
2013-------10.0--------12.2----------------16.4----------17.3
Data above is from BNM website. Look at the % increase  from 2010 onwards.

R u sure high rise increas a lot than landed? U got your data right mou?

U got ask latuk manutdgiggs his desapark increase how many fold mou?

The Highrise is located nearer to KL City

The Landed is much further away

You got balls. Unlike some DDD.....

Actually your idea is good. You choose your own property and predicts. Workable also...

Let's wait for DDD with balls to commit. I found 1    If got DDD give their prediction, only the new thread is meaningful

Landed is always at the high side in price compare to high-rise.
THat's why high rise have a more % to move up.

Just as an example:
Landed: RM1 mill x 1% = Rm10k
Hi-Rise: Rm200,000 x 5% = Rm10k

Hi Rise shows more % than landed but price increment the same.
So if landed increase 2%, the price increment beat hi-rise by double liao.
You cannot use landed and hi-rise as comparison as under or overvlaued.
THey are 2 different type of prop.

Continue to dream on....nowadays can find properties with newly launched price

Continue to dream on....nowadays can find properties with newly launched price

U called to check?

If no, how u kno didn't increase? Maybe previously is RM7,999....... Now 8k...... Increased mah.....

Ice Cream Boy r u working in Mon't Kiara or Publika outlet this weekend ? I go support you, you give me marginally more discount or not ?

MK even with discount you also cannot afford lah, those days got Zero entry DIBS now where got ?

Mk average price drop is not a news.

Continue to dream on....nowadays can find properties with newly launched price

When I visited the sales office last month, the developer had about 20%++ still unsold.

Developer price for balance units was around RM1000psf +/-

Appears to be around the same as launch price. So don't see how the initial buyers would be able to sell higher than the developer's balance units, especially since developer's units come with freebies.

Banner in MK but kondo where?

MISSING PERSON LEPORT!

Cloudatla$ aka Fujixerox aka Haji Ngow Whoon Leong ....
If spotted, please inform him to return to this thread for gay bashing. ...

Identify via video below ...
http://www.youtube.com/watch?v=asPzZDQe14U

Hahaha .... 

I told you before, but you refuse to understand. But I will explain 1 more time.

Very simple, TRANSACTION VOLUME DOES NOT DETERMINE PRICE !

DEMAND AND SUPPLY DOES (in a free market)

--> Transaction volume low does not mean demand is less
--> Transaction volume low does not mean supply is more
Transaction low but price still high could be due to :

1. Buyer want to buy, but bank limit their approval. So artificially surpress the transaction volume. Demand is still there
2. The sellers hold on and look for buyers with ability to obtain loan
3. Transaction low doesn't mean seller is willing to reduce price. They can wait for right time
4. RPGT is 30%. Seller wait to avoid paying more tax
5. Seller as long as they have jobs, they can service the loan. Why hurry to sell ?
6. Seller has no intention to sell altogether. They want to rent, or keep for their children

If you are in business, you will understand price is not determined by transaction. There are certain % profit margin that business need to keep in order to survive. They have operational costs to take care of. If the cost is RM10, the price must be say, RM12. Even if transaction is low, it doesn't mean the boss will reduce price to <RM12. The boss has to make profit, or they will just stop selling or sell something else.

Cost of construction increase every year. GST coming in next year. Construction cost will continue to increase. Why do you think businessman will sacrifice their profit margin ? If they can't achieve the profit margin, they can just refuse to build. Then supply will come down. Price will still increase.

Don't be fooled by the low transaction. As long as the economy is still running good, you won't see crash. If you really are looking for only 10% discount, there are always bargains around. Don't need to wait for bubble burst

Already explained numerous time, as long as economy is OK people got job & income they will continue to hold to their property, what do you mean negative cash flow ?

You buy house borrowed money from bank & bank make sure you can afford the mortgage base on you income, you can rent it out either to cover the entire mortgage or a huge fraction of it, some do not need the rental collection they keep it vacant.

So can you tell me what do you mean by negative cash flow ? the selling price is fixed only upon disposal not a pre fix price.

Just like those ice cream you selling now, if raw material or labor increase, your boss will increase the selling price, offcoz you ice cream had limited shelf life which need to dispose if can't be sold within expired date, but property don't 

bearbear ask me "why transaction is lower for 2011-2012, 2012-2013, 2013-2014, and yet price increase". So I answered him

Can you give your opinion to bearbear why the transaction is lower for the past 3 years, but yet price increase ?
p/s bearbearwong saw my post, but not to his liking. He cannot give his rebuttal although he doesn't like my answer. This is called "refusal to accept reality" syndrome