what is all about seliper rice? I really lost of what you are talking? first of all you assumed I earn 4k, then assumed my borrowing power cannot get 500k, but if get 500k need to eat selipar?

all wrong and bias assumptions.. , should stop spending time with trolls, grow up lar kid... mother may love you more, dun always speech differently like appreciative man, can get split personality disease.. behind keyboard selipar rice, in front of friends, kkj alos missing..

damm troll wasted my time

cool down first.... everyday also mention like that, wanna use anger tactic to hope ppl reveal? come on wrong salary scale, got other income,  700k prop was planned to joining with family cannot issit?

kid can grow up mou?

Bear bear, when can I tiok??

another idiotic assumption, show me with G's you can go tertiary education in STPM or Alevels, sad kid... mad kid, trying to use anger tactic, outdated di.. kid

can we save this troll kid? he is now forbidding family buying, coz is seliper rice.. bro krandun gosh you in his menu list..

get your self a 3 year olds qualification, 7-eleven still got open one, grab few cans of beers drink, find some main belakang and settle for he night.. mr **** kor, disease alot.. k ful ok

clarified di or not 500k loan? 50 years and 3.9k is wrong...  500k, 35 years, 2.2K monthly..

tell your boss,  I just drop few comments on oil increased, no need to send troopers come

U damm trolls.. what else you can do? Gfm mother in law.. father in law..really dumb ass..

what all the seliper rice.. stupid kid.. got buy ky jelly or.. ystd settle di..

u dumb kid..

Dumb kid.. ask dun assume too much.. get a 3 year old boy qualification..first..

I think you are more prone in eating selipar belakang.. apply ky jelly first...

what makes u think I cant service? Based on? Dun waste time.. like this bcp next year interest increase.. ask for slipper rice? He max stretch di wor

Car not his one lah or at least not buy under his name, he claim get 1.1K increment, (he also admit his salary us between 5-8K) so assumed his salary is about 4K + 1.1K = 5.1K nett should be around 4.5K.

Not sure why he so happy interest increased, he claimed every 0.25 OPR increased 500K property mortgage increased by 200, funny things is he forgot those who hold 500K property bought it with 300K only.

He also forgot if interest increased he him self also need to pay more when he bought it, in fact he is paying 500K loan interest, owner can collect rental, no need pay electric & water bill, no need reno or furnish if keep it vacant, if rent out just put in some cheap2 furniture. On the other hand if he bought it he'll need to pay mortgage, pay electric, water, maintenance fees, reno, furnishings & no rental collection, quite sure his GF also don't like people staying in theirs house after they get married.

Every increase in interest his future house budget will shrinks to smaller cheaper & lower quality, not sure why he so happy, maybe good excuse for him no need to buy & can eat slipper rice ask GF to pay.

Hahaha now I can see **** is Bearbear no 1 enemy

wah u really ur nick ur mom and sister has one, you got hentam the wrong ting or not? from the nick you used already you disrespect even your own mom

you are more prone.. why is all about slipper rice? must living in stone age...  so once you got married, only you buy? house cars? and raise kids? you are not taking selipar money, that means wife has stronger financial position after you had service most of the loans , looks like a hard bend for you.. wife is running the home show...

wah u really ur nick ur mom and sister has one, you got hentam the wrong ting or not? from the nick you used already you disrespect even your own mom

you are more prone.. why is all about slipper rice? must living in stone age...  so once you got married, only you buy? house cars? and raise kids? you are not taking selipar money, that means wife has stronger financial position after you had service most of the loans , looks like a hard bend for you.. wife is running the home show...

Struggle more.. cant change what is coming next year

ur logic really good.  Guess your wife run the show.. besure to setvice your wife good good.. din owals belakang.. depan.. ky jelly.. you sendiri founded it..

zuiko is wife sapu king.. so becareful..

If gf really double.. even you assume 4k become 8k.. need to wait to buy? Logic clicks or not?

Difficult to be good guy ! give him good advise he treat it as shxt, let him be lah ! later can laugh kao2 when he end up failure.

He ia like emperor new cloth, must praise his cloths despite he is naked.

Ah Bear if you really earn 8K nett & your GF really agree to share with you & Both of you really have 200K you wouldn't walk in & out of SHL showroom so many round empty handed lah.

wake up lar kid... U cannot get the salary does not means other cant..

Property investment is a long term game. I am not speaking on behalf on those flippers who borrow 110%. They are high risk group, but they are the minority.

I have been in property investment for >20 years. The time when a DSL in KL area is <RM200k. Apartment & Condo only RM150k. Now it has appreciated to at least RM1m and RM600k respectively

My point is in property investment strategy, nobody can buy at the lowest point and exit at the highest point. It is actually a long term game. Buy when you are financially capable. Don't time the market. Yes, property price may drop, but if you have holding power, at the end, it is still profitable.

Eg. the DSL I bought for RM200k. It appreciated to RM500k at 1 point, then stagnant and drop back to RM400k+. Then for the past few years, it shoot up to RM1m. Property has its ups and downs. But eventually, the value will shoot up. It will not drop back to RM200k unless there is Nuclear World War 3.

Whereas you gambled a wrong strategy. You are too short term. You treated property investment as stock market. When you exited too early and took your RM200k and then wait for the crash. Crash didn't happen, and your property have appreciated to RM400k-RM500k. Too bad you missed the boat. You may interpret your case as getting off sinking ship. But from outsider point of view, you missed out RM200k-RM300k profit.

Bro, for all it is worth, take it as a lesson. Review your strategy in property investment. If you still have short term view in property market, you will be better off heading to the stock market. Property investment is not for you

Can't resist dropping a few words here, hope you guys won't mind.

Just saw bbw's CCRIS, looks good!

After reading all the advices here, then only I realised I am at high risk, having committed all the following crimes:

1. High DSR 70%
2. 4k income buying 600+k property
3. No extra money or savings left every month

Too late for me to get off the boat. If sink gotta swim or get repo by bbw.

So bbw you are in much better shape than me, with your income double of mine, why are you still waiting?