Erm I dono , each project is difference geh..if existing sales gallery is near u , u can try there first. If really interested then u can ask your agent intro owner to u n tag along. Sometimes agent not willing intro owner because scare u sabotage him ma, u must very honest n play fair with agent lo I think he will understand the situation.

I not sure if bbw know what is ctos apart from ccris. Bbw belum show us his ctos yet.

I told him 1/6 nett income can buy a house already, he sibeh bo song me, ask me hantam till max, don't understand him ?? we buy what we can afford mah ! we have other things to take care off in our life also, everything must put into property meh !

Also depends can find the property we like mah ! buta2 whack meh !

Now I understand why he always mentioned average & mean income of Malaysia as a whole, his income is at that range. .kekeke

Very difficult for him to imagine anyone younger but make better income than him, because he thought he is already the best among his little circle...

Ah Bear mileage claim where can add into official income, your 4.5K nett mean you should buy something like Mahkota Residence, Pearl Avenue or OUG Parklane niah, anything higher you'll be very suffer leh, later married a lot of unforseen expenditure one.

Since you like Kajang so much buy loh ! Sg Chua close to highway mah ! your income can never beat the momentum of property price keh ! buy before price run away again.

Somemore close to your PAMA house mah, can go back stick eat stick drink...lol

Ah Bear you got fill in Borang B before ah ? BTW guy nowadays what is the minimum income need to pay tax ah ? 4.5K nett need to pay tax or not ? Mileage claim not inside EA form right ?

Haven't found a relative or family member willing to borrow him the form yet la.......   

krandun... no need to talk.. how much you really worth ppl know one... who EA is it?

26 can get 10k++? as salary.. oil & gas also cannot, sumore chinese ed are never made into oil & gas

so which category you think I am? just applied in 2013/2014

21-22, well, that could be a rare one..

but lets post question more clearly... do you think krandun based on his appearance in LYN suffice or that lucky to get so?

he say 28..and get a studio..

well since he say got 3 properties.. one of ccris report need to have 200k loan, minimum 3 properties ccris reading, 200k loan ccris should be registered in 2012..

by tallying 2 digits of his IC since he tell everybody he is 28 and the CCRIS report 2 digit numbers... together with 3 other loans at least, one of it need be around 200k and registered in 2012 as he bought the studio by then

if all these tally. then we know is he lyinng or not...

well ,nevertheless, studio is a wrong ting to begin with...

huh always trying to be funny in LYN... to DDD...

I wont help the property market to gain momentum either  w

21-22, graduated di or not? no degree and working experience?

front door minimum requirement also cannot in.. dun go and teach young ppl these things..

this kind of big bend 21-22, possible if join oil & gas also you can digest.. lol

if there are so "many" no need to see slow down in property market lor.. this so general and simple to think also you cant think...

joker said he bought a studio worth 200k , that is 2 years ago.. and it is his 3rd property.. so CCRIS report should reflect a registered entry on 2012 indicating a 3rd property with loan of 200k .. right or not?

seldom studio buyers are here to give advise for ppl to buy and take that as an achievement..

you are trying seriously funny and over above a 1st home buyer..

the CCRIS reading is for what?

trying to be funny again? the ccris do not just reflect the loans/commitments/credit cards one has..

it also show the promptness of ones ability to loan servicing/debt repayment...

high score in CCRIS will be able to borrow loans?

CCRIS can also show how over leveraged one is...

u cant be dunno about this? the BBB had bragged on how good the properties and etc.. CCRIS also has the entry dates for such loan to be registered ... they said they had bought on XXXX years right?

let me guess, you are not interested in other ppl CCRIS, your own CCRIS leh? no property right?

another hard bend... lol krandun now is PTS product, join foundation, then graduated around 21-22, then got oil and gas offer, and then got 10k+ by 26, and get 2 properties before 26, and got the 3rd by a studio worth 200k, married at 26.. calculating krandun by 28, he would have been very lucky coz it will the 1st year of introduction of PTS...

then left with talk only... ur ccris are yet to be clean , that is only you talking maybe score very high that y cannot buy house izzit? I am sensing you are here to support the BBB group, like showtime747 di, masqueraded as DDD but is a BBB from the start.. lol

I also admire you to have know RPGT reduction as time goes by on behalf of investors and forget the cost of the same to main a RPGT drop...I also do admire a 26 year kid to have know more than..

you dun have abilities to pay... how be a good paymaster? CCRIS reading is one of the documents not easily available and often the best bench mark surpassing slow CTOS system for banks to give out loan on top of the salary and etc factors..

lol , you can start asking from the BBB they had alot...

U love investing join the investment link.. lot what..

izzit? cant we just get a piece after GST?

bear2 very hard to tell u as u never listen to people..

28 is fact. 
u forgot i told u bought studio in feb'14?
u forgot after bought studio in feb'14 got 3?
u forgot i attached stamp duty for spa and loan for studio?

u memory so bad let u see liao u also wont remember la.. 

that day already given illustration di, go and dig it up and then ask... want me to help you, but dont want do anyting?

lazy bankers? tell you what, you wont make it to branch maanger

that day already given illustration di, go and dig it up and then ask... want me to help you, but dont want do anyting?

lazy bankers? tell you what, you wont make it to branch maanger

I can see showtime, jason & TS given the points on BBB (They still haven't give up on you).
Your points on DDD
Iceman with cursing only.

they ar enot your peers, your superiors lol, but all same product same quality .. bankers got quality one?

and he worries ppl paying more after GST? lol ppl dunno one? all buyers so blind one? then easy trget for you all what, should not be seeing slow down in property what...

d) this flipper mentality really kns, ah kid yes one year waiting of course RPGT may drop from 30% to lower to 20% yes 10% drop, subsequent years are only 5% lehh. asssuming a property is made of 500k, 10% dp, 35 years max stretch, that is servicing 2.2k loan and 200+ maintenance, totoal plus inking and etc, that is 2.5k per month
2.5k per month x12 months = 28.8k

from 500k property like Jliew Midfields flip to 700k , 200k gross profit

30% from 200k = 60k
20% from 200k = 40k
[color=red]from 3 year holding to 4th year difference to pay RPGT is less 20k, you service loans and maaintenance is 28.8k, knn still rugi 8.8k, see you are a real flipper... and 26 year old kid mentality, only know to think one way .. oh PRGT drop..

Can any Sifu educate me on this portion? I hav little knowledge on this. Thanks.[COLOR=blue]
hello 5th year drops 5% how? still service 28.8k leh, sumore need to assumed flippers get the best rates of BLR, well sumore have to assume it is stagnant OPR leh o0o.. sumore the cost push into the new flip price say 700k + 28.8k gets valuation leh.. 2 years already 60k increase... valuation getting further, more ppl need to pump deposit leh.. 10% also susah want more? market now is 20% at least for inflated props

and most important thing 700k need to have takers, 600k plus new launch low entry also no takers 700k subsales? need you teach or not kid?

so after the above, you deserve to really self wave or not? please wave, if property price really surge , my parents lands also surge lar o0o, even I think they are not deserving but compared to jokers 1ksq vs 40k sq space..
kid o0o, come talk with us? this is version 17, these tings already been hit in and out larr the BBB has no choice but to troll you see... you also same flippers knn

since you know this, what is the rush to buy before GST?

really a lot of muka tak layak.. bumi category we exclude, the cina group dunno why sure somehwere some place link back to UTAR 

i got say base rate?

spotted and yet to be sold since last year.. good or not ?

by the way, U asking ppl buy plan even a little bit inflated, maybe you can buy first... and show a good example? you not going to show anything , then just talk? salive also precious leh

but UTAR ppl are like that what... English in any mode sure koyak.. BM 3-4 kati most of them... the few creams are forced to stduy due to financial background..