Hi hi bbw, nice to talk to you here.
Yes, you guessed correctly, I bought into new project.

Jolokia is right, 4k really not enough, will need rental income to help me service the loan upon VP.

I am a lady and I absolutely don't mind eating slipper rice, any sugar daddy here? Hehehe...

You are right again, how come I can get loan.
Borrow lower margin lor, who asks me to wait forever until so old now, have to settle for low margin and short tenure. Very suffering one you know, so learn from me, don't wait too long.

Like in gold thread, as the herd dont listen to alternative opinion, I am here to study the herd behaviour.

Given property price crash is inevitable, prefer to wait for foreclosure sale.

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.

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

What so hard when u just need to buy 1 property and you do research like a university thesis paper?

Think East think west..find East find west find North South East west still no conclusion , still no target, still no direction...

If ask u make decisions on business direction then can die lo ...hence the best choice is u find a goverment job ba 

Wah, leonhart88, your future MIL expects all that from your cash? Luckily you are cash rich.

My darling already loan up to his neck (family loan etc).
I have been waiting for years for him to get out but he is not able to. So I take the plunge myself.

Wahh.. so young at most not more than 35.. no wonder got trapped in semenyih project.. young man.. young lifestyle comes with a price.. and semenyih case comes with a distance..

so many many rich buying got ask for discounts or not from law firm?

1st thing come to my mind Latuk Manutdgidds need a phone with better camera or at least a better auto focus one..kekeke

Seen this news already, that what I been telling Bear2 & Ice cream boy about our Gini coefficient which is very high, which is why our property market very different from Caucasians market theory, Ah Bear keep on stressing on article written by some journalist who uses text book theory written by westerner & Ice cream boy keep on using western prof studies base on 2008 US & Europe case, I told these 2 Sochai these theory only works in country with low gini coefficient like US & Europe, reason been.

1.) Income are more equally distributed, meaning the rich are not too far off the general, so all those statistics works.

2.) Causcasion are less prone to saving & keep wealth & passed to their children & usually children are on their own once 18 yo or graduated  many even need to self financed their education.

3.) Western countries have what we call social safety net, people can line up for unemployment subsidies from govt, which make them have less crisis awareness.

4.) Properties speculation is not part of their tradition compared to China which has been playing the game for thousands of year.

5.) Westerner do not see having multiple properties as symbol of social status while we do.

Can write an whole article on this but let stop here  before Latuk Manutdgidds again..

Conclusion these Books theory doesn't apply here, I shall discuss on how our property defying gravity in next version.. So stay tune.

Bro bear, just to share with u. Since lately ur comrade has been playing with ice cream, let's TOK bout ice cream.

I blif u hav no idea how much profit an ice cream franchise holder is making. Or how high the margin for an ice cream trader.

Tis real life story is bout my Fren hor. Not me har. He is a franchisee, not even a franchiser for a well known ice cream brand. Operating onli one huge kiosk. At the same time he has 2 local cuisine restaurant. All together he has bout 35 staffs. No proper management cos he is running it as it is. 3 outlets onli. He jaga 2 his adik jaga 1.

Nett profit for last financial yr is 2.5m n tis yr approaching 3m b4 closing.

Biz is tough??? Yes. He oso kao beh kao bu saying susah ni susah tu but moolah stil keep flowing in. He is in the rite ind with the rite product. So even during market down, all here stil need to eat. And u need to eat the food tat v can regularly get in town. Fortunately he is in tis category. So dai kui fatt tat hor.

I'm surprise to c some here stil not able to accept tat there r a grp of ppl able to overcome the rough surface ahead. I can't deny majority might b facing trouble in loan but it doesn't prove ddd rite as bro bear did claim tat lotsa hidden income fr lawyers bankers runners or whoeva. Until they show all tis extra incomes kept in dark due to greed n evil intention, banks would not b so silly to just approve the loan to any td&h lo.

I oso seen a guy earning big pocketing oversea income getting loan approved here in malai by showing those docs to banks. Banks Luv them cos they know they r rich in reality but not in malai. And it's pretty sad to c many here working too hard but not justified in term of their income by banks here.

Another FREN came to me last nite who works closely with gov arms providing consultations. He charge 500.00 for an hr Tok. All expenses covered by gov agencies to make sure he reach the destination and back home, with nice accommodation and transportation, but no char boh la. As long as he can keep toking, he has the moolah in his pockets. He is oso act as a sourcing agent to gov agency. Income earned in between is not mandatory to file in irb cos its thru commission basis with recorded in suppliers acc.

Anw, just for sharing. Not saying u r wrong. It's just so unfortunate so happen u r in the wrong ind. maybe u would like to think of the next move in order to make u a beta person at least mentally. U r currently having no trust to prop market yet die die must Hav one super cheap but super gd deal. I can onli say it onli happen in dream tat I'm living in sentosa cove with sgd100k.

Banks and gov are much smarter than we thought they are. Some people still doesn't get it. Why gov is slow to stop certain crashes? They profit from it while the poor continue to hope on someone doing something for them instead of taking actions.
You miss manu points. Bear and icemanfx likes to say everyone are earning less than 10k and many ppl are over-stretching their financial. Bro bear is the worst...few v back I argued with him on the point that there is alot of ppl with joint income more than 10k in kl but he refuse to believe in it.

Bro, mayb u dont realize outside there is how tempting, plenty of chance to spend money, many more not yet try just because of lack of money.. Until 1 day u got too much of money also dont know where to spend, then u said like that is true, else who is going to sponser ur next oversea trip, fine dinning, new gadget? Those rich fella buy 1 luxury yatch might cost a bomb already, or u think buy yatch for what cant bring to holland also? Life is about meaning ma, if that is what u wan and u dint get it before u die do u think that is fine also? Just like bear2 die die want hantam 730k goodview, for some is just a roof 300k or 730k make no different, but for bear2 that mean low class not something what he want.. If he buy 300k property can u imagine how happy can he be?

U can think like that then is pretty good to u.. So far i have heard 2 person share about their view on how they going to stay happy without more money.. 1 keep borrow from fren and relative, because he can tell u no need to save money, u cant bring it to holland, whatever money on hand must spend all, win toto 10k can finish in 1week, win 100k finish in less than 1 month.. Another 1 is still renting a room from family then she work in klang valley.. Last few years is still a positive people but recently conversation all about negative issue.. U can tell people u dont need more but in real life people see result, not how u claimed..