One big social impact i really sees....... real life example.....  

Chat with bearbearwong one will kno and see how big the impact is......   

V12 half a month already 2500 post

Bear2 lai ! We continue discuss here, as forum rule each thread cannot exceed 2500 posts.

What I show you is Singapore figure, 3.9% just average taking into account ultra expensive properties ay Sentosa Island & Some super expensive condo in prime area.

The rest HDB & Mid price property price drop very much less than 3 9%.

That why I said you don't worth 5.5K your boss paying you, alway read a report the other way around, rich people see this as good news yet you see it as bad... pengsan

Singaland govt want their people see they are doing good job, but in reality the property price remained high, like departmental store show 70% discount but item price been jack up few folds before the sales, they still earn lucrative profit selling to yiu at discount price..

Bear2 very simpletons person, if I am your boss I will only pay 2K for you. ..kekeke

Confirm, Chop, Sign!!!!
Nxt yr then got a sum of money drop from sky (high high possibility from PAMA bank....) then can buy!!!     

it is speculation, everything which is heavily speculated will need to find it way back to its normal growth, property is one of it nad we live in Malai (just hope you don't forget)

think big and dun think average, means heavy debt indeed..you are not within any ultra class neither rich category..

As long as you have income you can afford to service loan right ? Anyway loan have period one mah can borrow indefinitely ? cannot right ? what do mean credit got stuck ? the long you pay the less you hutang bank mah.

I already told you don't borrow till the nose mah didn't i ? now you know my advise to you to use 1/3 income or less for housing loan ? 1/3 for expenses, 1/3 for saving 1/3 for household debt loh, you mean you wanna hantam till pocket kosong end of the month ah, don't hoh Bear2 later you kena repo by your own college oh very malu leh.

Anyway it depend on individual mah, some people sibeh lucky got rich support like PAMA, Relatives, Sibling, Rich Spouse, Sungar Daddy/Mummy then they can hantam everything loh, some not so lucky got heavy family burden then hantam less loh, like you getting married soon can't be hantam 70% income balance 30% yourself also not enough lah, ask wife to pay all family expenses meh, like that she will cabut lah,, 

Investment game are very much alive lah, just speculation may be not so lucrative like those days in term of percentage, but money value may still be there, those day many 200 & 300 tokens can sell 400 - 500 tokens upon VP, now is like 400 - 500 tokens can earn 500 - 650 tokens loh. still sibeh good compare to other investment like share can untung can rugi, this is like sure untung but how much untung only.

Bear2 transaction already going up lah, the previous already shows people rush in to buy before GST, you didn't read or selective reading again ? Secondary some owner know price will UUU after GSt they keep lah, like i ask you if you have properties you know price will go up in next few month, would you stewpit enough to sell now or not ? so transaction down doesn't only mean people don't buy cound be people don't wanna sell also mah.. correct ??

That why loh i tell you now price not yet stagnant is still growing but at slower phase, could be people not willing to sell also they can wait, only is price drop kao2 only mean people cannot hold, don;t forget hoh even sell to you now laso consider huge profit already.

You like to mentioned One South thats 100K profit from you if you buy now, as its a zero entry DIBS & owner only pay few months installment but can gained 33% profit, you know any other investment with that kind of return ah ?

Some investor not even interest to cash out as they treat property as fixed deposit, they rather keep property compare to cash, as cash will shrink over inflation, property is a safe bet to counter inflation even with 5-10% increase yearly.

Understand mao ? Lian Zhai ? 

Meaning bubble happening not in ong area like
semenyih
kajang
bangi
rawang
Cheras south
seri kembangan
puchong south
putrajaya
Sepang

Actually if you think bubble happen only ong area and discussion only happen in ong area.. then you are on your own.. from tye start DDD has mention bubble were highly possible in outskirt area..

I assume you will not reply to the statement in full

Canon u ok or not? My house got 1 canon printer. As for xerox, I have left that company many ages ago...

Bearbear u still owe me an apologise for simply accuse me for something that u said. As expected u try to overlook again and have selected memory disorder.

Nevermind I will keep remind u

U too sensitive ..just normal discussion

U got confuse or not ?

here in Malaysia different story lah.

Been able to borrowed at very low down payment mean your credit worthiness is good lah, it's those who no very reliable one that bank will ask you to put down more down payment as they don't wanna take risk on you.

those day property price surge like no tomorrow, even you default bank more than happy to take over your property as they can make more profit on selling you property than wait for your 35 years interest.

Now you see bank more cautious on borrowing, which is why Ah bear cannot secure loan for Goodview with his 5.5K income loh, if not he would have bought long time already.

See or not ? Our Bank not stewpit lah, they calculate the risk before approved loan one.

I know you regret selling off too early, now days & night dream property will crash & give your round 2 chance to buy, but hoh if market indeed crash, people have no money to eat expensive ice cream woh, you boss would close the stall & retrench you or replace by Bangla which only ask for half your pay, got cheap deal also you no money to hantam.. 

Don't try to distract from your poor cash holding, buy gold first than talk.

That why property loan bank no worry loh    The long the lower the loan balance but higher property value.. 

Aiyoh most already start payment lah, but you see any fire sales or not ?

Even got fire sales it will not be reaching your hand lah..

Ice cream is junk food leh, no essential unless for depressed student lah.. 

Bear says only if majority can afford your product then consider salable, but most of the time i cross your franchise not many people line up woh, must be speculative item