Dear Sifus,

What is DDD?
What is UUU?
What is /k?
What is TS?

Not very familiar with the lingo at LYN forum here haha...thank you for enlightening..

What is ur view on the fact that there more n more young people who are at their 20's yet unable to afford for a house?

Need papamama to withdraw EPF to fund the purchase? Am looking to buy a single terrace but the price is like wtf.

Jual bulu can la. No land for sale also. Market seems not to favor genuine buyer due to heavy speculations which I have no objection because it is a capitalism society and this is how the game carry on. I feel that sth is not right when all people surrounding you keep telling you that property market is doing well, making profit hence should buy when they don't even know much about the property market, the developers, the risks, the solvency and so on. Just like people keep telling you to buy a particular stock counter for no reason and seeing the growing trend of it.

Am actively seeking for affordable property but the result is so pathetic.

RUMAWIP is better or Pr1ma is better? Read from the thread the RUMAWIP biggest attraction is the price only.

No you are right. Buy within your mean. I have night dream but not day dream


Own stay. Intend to buy for marriage. Prefer landed over strata but price ain't cheap.


Ya. Can consider about it. I have register for Pr1ma. WIP is good but requires you to drive out. Security is next concern. I think earlier there was a news on the strong wind blew off the wall of a strata under affordable houses category. Basically is only the quality and security follow by transportation. Of course you can say that I should explore beyond KL city.


I don't dream for durian runtuh. I see the growing trend and I know it will continue to grow despite 2015 could be a turbulent year. Actual challenge won't come in 2015 but 2016-2018 where most of the houses under DIBS are all ready built. Is a good time to grab if you are investor. You will know whether you are swimming along the tide or the other way around.


Ya you are right. Spend within your limit is important. I don't wish to see any bank officer come and knock on my door for payment and frighten off my family members.


Attitude drives performance and fortune. That's the believe. However don't dream big by saying 3 years later my income will grow until RM 10K from RM 3k now hence I overstretch myself to go for RM 600K houses. Lending record is so important.

Not only Kajang. KL also flooded always what. My bank kena almost every heavy downpour. Should buy in Ipoh then. RM 350K 22*75 cantik cantik freehold some more. Every weekend can eat dim sum.

IF not, buy in Seremban and travel daily to work in KL. SOme times one need to sacrifice. You can't strike ideal state at one go.

Bro, you can't run away from being the victim of flipper if you choose for subsale. Simple as that. Just that those days flippers have more holding power than today's flippers. You run a CCRIS report and you should know.

If you are buying for own stay, affordability and location are the two most important questions that you need to be frank to yourself.

I am 26 turning 27. I intend to buy for own stay hence I go for affordability>location>security> school because easily I will be staying in this new place I call home for at least 10 years. The price goes up or down not your concern anymore because is your house until you want to let go.

there is no right or wrong answer here. Just bear in mind that if you buy a RM 400K landed single terrace house for own stay, after 5 years where your income grows but you still like your place, you can always demolish and build double storeys. Nowadays it cost RM 250K the most and 5 years later maybe will reach RM 350K for renovation. With that, RM 400K + RM 350K = RM 750K. However, the RM 350K is a variable cost which you can choose to go for it or not after 5 years.

First thing, I quite pity you for being the target of all arrows. Secondly, I admire you because you are still who you are despite multiple critics be it with good intention or bad.

Third, not sure you are in which industry but myself is in the banking line. I might be wrong at my judgement but if you notice, many of the developments / grows are coming along with the mega project of gonlanment i.e. MRT/LRT. That's the only thing that pushing the price to go up. However, would that actually help to sustain? I don't think so. Will the price comes down? Answer is no because you are still in KV. I am not sure about prospect for strata because it was never my aim.

So long as your desire location is within KL, price won't goes down much unless something is wrong with the house i.e. sinking / people died or urgent cash out by owner. Rare case once in a blue moon still.

Just highlight your desire area according to your budget and then watch closely day to day until it strikes. Meanwhile your plan B is to change a job and push up your income. Both can be done concurrently.

When you are staying in a country where the gonlanment is incapable of preventing or mitigating the recurring flood, the leaders are on holiday when Rakyat is suffering, parking the taxpayers' money in Cayman Island, you don't expect the country will be good.

+1

To be fair, what you see may not be right. Bank can approve your loan with lots of condition i.e. MOA 70% and you cash up for the remaining or FDR placement. Bank will always welcome you to borrow loan due to high budget to achieve YOY. NPL rate is getting higher nowadays across industry.

I nv say that I am a flipper. I am buying for own stay just that the budget is challenging due to rising price. I would rather spend my money to travel around and enjoy life than spending 12 hours per day in the office and work. Just that when the price of strata is close to landed, I think I would go for landed because it is for own stay and freedom to renovate the house.

If you are confident in yourself, why bother to fight back? 2015 is coming and we shall see. My bet is 2015 will still be a good year for flipper but 2016-2018 will be a miserable year for flipper with shallow pocket depth.

not sure if it was my English problem. Which trait saying I am a flipper? LOL.... n btw, I quite dislike PA especially the young one because most of them whom I met are quite lansi and bad service.

Ya..got integrity problems..I will drill them kao kao when they come for interview lol...Another thing I dislike about is they will tell you to join name to buy for sure can afford. God knows the father f***ed the mother n pancut dalam and therefore bear the child who is he/she.



Chill la. I hvn't buy any unit yet la. You thought buying a carrot? Anyway nth to compare what. We don't owe each other anything also?

You guys are like long time married couple. Everyday quarrel with each other and life is not fun without each other..haha..

Why so kiasi kiasu?



Property knowledge wise, I spent few months to do my homework and to search around to target my area of choice and talk to different people on things to look out for when buying a property. Loan repayment capability wise I know myself best and nothing to proud of to buy a RM 700K house when your affordability is until RM 500K. Earlier I didn't bother to read from LYN forum but now since I spotted you I will follow this thread more often.

I don't think any of my age folks could consider a flipper investor because mostly we are buying our first property in life. Same as you here. As for other sifus here who are a flipper, I believe they have climbed to certain height in corporate ladder and likely in their mid 30's in order to have that kind of spare cash to go for it. You are an investor if you already bought the unit and hold it for like 5 years and above because it is for long run but not short to medium term. Those tap along with the DIBS wind are mostly flipper, just that whether you are successful or failure flipper only.

Tell me which part am I misleading you? CCRIS? My judgement on 2015 would still be a good year but not 2016-2018? My small target on single terrace landed tells that I am a flipper?

Now I think you better buy high rise in view of the possibilities of being flood victim. It is not shameful to apply for WIP or Pr1ma because I memang cannot afford for RM 700K house. Buying a house is not a ONE TIME ONLY CHANCE in your life. And BTW, If you are stable enough with your gf and intend to get marry, why haven't you guys join name to get a marry home??? In my case, she is not yet the one hence I do not want to join name with her yet.

What is in for me or for you to win over this mouth water battle? We don't even know each other right?

This post has been edited by JasonW13: Dec 27 2014, 07:12 PM

What is DDD?
What is UUU?
What is TS?
What is /k??

Can enlighten me a bit? Thanks sifu.

If what you said is true, then I am quite zha dou.

He should feel happier if the market is turning bad because he has more bargaining power soon. Whatever it is, if he is buying for own stay, why need it to be UUU..not like you will sells it when it is UUU.

GOodview Height is nice what. Now close to a million for 2.5 storeys. If his gf is a lawyer yet he managed to woo her up, is his capability. We shall respect him on this. However, he must possess skills be it in the bed skill or life problem solving skills in order to retain his gf. Uphill battle but doesn't mean that he cannot win this.

If people like to eat, how does it affects us?