I just bought my 1st property in Sept cash. I had no luck in Stock market although I am Finance graduate. I had 20% loss in my portfolio even I have had it long since 2010. To wait prop and stock market crash, which instruments should I hold? even certificate deposit by banks only 4.5% max for non bumi. what should I do since inflation is more than the interest? I wanna make big profit too when everything crash. I missed 2008 crash because I was still at university that time?

4k? what is your intention? that is all I have.. you can go Semenyih there and troll

can't afford semenyih project leh

How come you study herb behaviour for so long one ? Your must have failed your exam repeatedly

Can lah bearbear....wait for the price to crash to RM400k then you can afford...

put yourself together, what you actually want t achieve in bubble threads? ppl to grab 200k prop like you, and play rental game? u speaking on rental game on your own show? joe out there are holding 500k 700k chips with negative rental, that also provided it is rented out..

when I say crashed till 400k? BBB so desperate need to make up facts? party worse, 90% crash

when I got say the above? 10-20% got lar from asking price

Wah! You planned to pay downpayment via credit card??
You're best of the best, no wonder US got subprime mortgage

cc swiping amount to subprime? they approved wor.. loans how? not subprime? both approving system are from the same banks right?

This post has been edited by bearbearwong: Nov 25 2014, 03:28 PM

You're here for us to study the failure behavior

Im really sad to hear this, BNM want quality borrower hence implemented 70% loan margin, Im speechless n pity your gf, maybe she's blind

Hi hi leonhart88, sugar daddy is a jest.
I am "taken" already and the property is meant for kids. Samkps knows. Indeed life is too short to suffer, I am always having a great life.

lol sam is the man? he had a lot of problem with distance and minutes, everywhere from Semenyih is a matter of minutes to him...

u buy property using cash ? wish u luck ...hopefully LHDN did not chase u

This post has been edited by anz87: Nov 25 2014, 03:56 PM

Hehe, better don't simply assume, he "knows" and he "is" is not the same ya.

So share with us, where are you looking to buy at -10-20% discount? Do you set a timeframe or you plan to wait until it happens no matter how long?

bearbear, never never never swipe credit card to buy house....You die very fast like that. The interest is 18% vs 4%+ for house loan.

If you have to swipe credit card to get the 10%, then you should not buy. You are not financially ready yet.

Buy something you can afford without credit card. I start to worry about your way to buy property. A bad example

I used to say buy la bear bear...
No I have to advise bear bear don't buy, his financially not ready

Ok. Bear bear said he got 12k combined income. Lets say we believe.

Then? Many of similar couples also are in the same situation. It means demand are already there. Not to mention many much younger persons are yet coming to jobs and they have the parents like jen1.

The more bear bear wait. The more likely he cant buy the house he wants.

The more bear bear yearn for price drop, he more likely he will have to suffer the consequences of missing the boat again.

Facts of life.

Having said that. I still dont believe he will buy next year.

after Post GST + 360 months loh.

bearbear will buy if anyone offer him X - 200k.

they are many above those... they are heavy debts... cars x2, house or investment... maybe deposit problem?

if we believe these group are out there, and they are not moving the subsales, what it means? property price are not based on merely demands/wish to have one..

maybe most of these bracket choose to invest in someplace they do not want it as home, but hoping after sales they will move to the ones they like..

Like Midfields 2, Jliew wanna sell only.. or like Semenyih group, they say how good how great is semenyih township, how green, how near in minutes , how gated & guarded and etc so fake, on top all these goodies, they got a price to it, you offer that price they sell.. so much for good township..

those buyers are mostly from Pj, Kl areas, bought ulu for investment , not wonstay... maybe the group you meant already invested in properties they never intended to stay.. you wanna track now whether there are more ppl investing rather than looking for ownstay?

of course looking for own stay is more... are they buying , or are they capable? no problem with property price going up but not that dumb X+200k minimum, that is flipping..

now back to you, if you intend to invest and invested, and it happens you cant offload the unit 1 year post vp( service many loans and etc), and incoming GST, OPR increase, 6 months down the line, still wanna add up cost to selling price and sell?

there are reason why the price 1 year ago failed to attract buyers, having extra X+200k and ++ extra cost will sell better? tell us your confident and what are your act after you hold more than 1 year? and counting? and of course due to mass units, rental proceeds also negative.. that also you can get tenants..