Wow..TS has no fear while still got a job.. leveraging up to 90% in debt-to-income ratio.

The empty house is really collecting dust but TS is hoping for capital appreciation.
Is there no timeline in this at all? Isn't the interest rate and taxes that TS is paying over the years will negate all capital appreciation that one hope to gain?

Who's are the actual buyers of RM800k to RM1 mln homes? 10% of the population?