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 V17 Property Bubble (Is there a bubble at all ?), Property Inflated or Inflation ?

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SUScunt
post Dec 24 2014, 11:45 AM

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Save yourself selipar king aka doggy bear bear .

Planing to eat selipar rice still proud of yourself?

This post has been edited by cunt: Dec 24 2014, 11:46 AM
SUScunt
post Dec 24 2014, 11:48 AM

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QUOTE(**** @ Dec 24 2014, 10:45 AM)
This is actually the only solution for doggy bear bear for him to buy 700k, but he wont lar, He later will say you all dog eye him, lawyer needs to work part time during weekend ?

Jiak sai lar doggy bear bear wong. f***ing useless man, you think we dont know ica man boy is actually your girl friend?
LoL
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Christmas eve oso very tension.. cant spend.. you 28 years old like krandun.. he got family sponser marriage you got nth..



Doggy bear bear planning to selipar rice with ice cream girl girl can be so pround of yourself?

Save your own ass 1st , go get a container for you and ice cream girl
SUScunt
post Dec 24 2014, 11:52 AM

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When the doggy bear bear ( Gou Xiong ) losese his freaking job as repo-man.

I suggest him to join the other side of the game to become property flipper
SUScunt
post Dec 24 2014, 11:59 AM

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When the combo effect kicks in next year, bear bear sure cry like baby.

1. Weaker Ringgit . Overseas working class (Malaysians) in SG,HK,AUS,CANADA, US,UK all will have more purchasing power to buy.

2. Lower interest rate means no reason to save in FD anymore, most likely will park in property.

2. GST effect will be countered by oil price. Contract effect makes people have more money to spend.


Jiak Sai lar bear bear . How? Live in a container with ice cream girl girl?
SUScunt
post Dec 24 2014, 01:38 PM

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I cant believe all these years. People still believe property will crash.

Never learned sejarah before one. Sejarah 101

Those who never learned from are doomed to fail
SUScunt
post Dec 24 2014, 02:37 PM

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QUOTE(icemanfx @ Dec 24 2014, 02:18 PM)
Provided you bought pre-2010.
Guess you never learn from history.
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Yaya, you learned from you past history who kena lelong because you are simply financially weak and leverage too much.
SUScunt
post Dec 24 2014, 02:42 PM

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QUOTE(CK15 @ Dec 24 2014, 01:48 PM)
Can't predict the whole property market will 'crash', but individual unit sold below 50% of initial purchase price still can be seen in today auction market. They are gem out there, the issue is are you going to buy it?
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You are right, But even if the property already dropped 30% , the bear bear wont buy want, He simply wants developer 1st phase launching price.

Also, bear bear actually wants crash to happen so that he can afford to buy.

SUScunt
post Dec 24 2014, 02:46 PM

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http://www.malaysiakini.com/biz/284273

Price already dropped in Iskandar JB.

Bear bear claims he wants 10 to 20% drop, why no buy than?

Stop lying to us and your inner conscious ,we all know what you dream but it aint happen.
SUScunt
post Dec 25 2014, 11:27 PM

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lol, both ice cream gf and his doggy bear bear are such a disgrace.

To bad oil price is gonna free fall. This is a perfect timing for Malaysia as all sectors will benefit but only Petronas.

Government coffer is less affected as in no longer to subsidy the Malaysians yet got GST as a revenue.

Pity bear bear , bubble burst my ass
SUScunt
post Dec 26 2014, 04:10 PM

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bear bear is losing the battle hence so there is 2 threads concurrently running.

Today, 3 months to go and he is desperate as hell.
SUScunt
post Dec 26 2014, 07:46 PM

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QUOTE(zuiko407 @ Dec 26 2014, 07:15 PM)
I think bear bear paid booking already
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bear bear is not capable of doing so lar bro.
SUScunt
post Dec 27 2014, 02:02 AM

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bear bear wong is so famous , even in PTLM

This post has been edited by cunt: Dec 27 2014, 02:12 AM
SUScunt
post Dec 27 2014, 01:31 PM

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QUOTE(andrewcha @ Dec 27 2014, 06:02 AM)
he's inside ptlm?
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No,I meant people have been mentioning the doggy bear bear wong name in PTLM facebook page to simply make fun of him.

So pathetic to be a doggy bear bear wong. whistling.gif
SUScunt
post Dec 27 2014, 01:50 PM

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QUOTE(JasonW13 @ Dec 27 2014, 12:24 PM)
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?  doh.gif

Need papamama to withdraw EPF to fund the purchase? Am looking to buy a single terrace but the price is like wtf.  cry.gif
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The key thing for your case is to buy within your means. . It simply means that if your total income can go for 300k property, please stop dreaming like doggy bear bear wong who would like to get a 700k property with 300k loan capability only.

Not sure about your circles of friends ( no insult of whatsoever ). For the people that I know of, mostly colleagues and high school friends. They all combined their incomes to buy their property. When they bought, they had about 5k to 7k combined income to buy a maximum of 400k property only. Mostly share between brother with brother, or within couples.They all have the same fear, if they dont buy it now, they wont be able to do it in the future. They bought it in 2012 and 2013 mainly when they were 25 to 26 year old.

For your information, the friends around me that have yet to get a property in Malaysia are actually those can be considered above average income earners . It means 3 years working (from fresh) earning from RM5k to SGD 6k .

SUScunt
post Dec 27 2014, 02:00 PM

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QUOTE(kradun @ Dec 27 2014, 01:56 PM)
Many people cannot buy house the problem are mostly come from themselve. Although not all but many spend money on something beyond their mean. Some taikor have x10 or x100 net worth still willing to spend lesser on certain item like premium coffee (some of my staff drink starbuck everyday, while many of the higher management just enjoy the free instant white coffe from company pantry). U cant have too many of wants in ur dream list, once u over spend on this category, u got to cut ur spending on another category. When i join my company in junior level, i bought my 1st house in less than 1 year for basic need as roof (probably added some of the want elements inside  brows.gif ). I don't think i am the very fortunate among the 10k employees across the group companies, tonnes of them have higher pay than me. Actually it is more on personal preferences when allocate their limited money into which part of expenses.
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Very true .
SUScunt
post Dec 27 2014, 02:18 PM

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QUOTE(Showtime747 @ Dec 27 2014, 02:06 PM)
Welcome to the discussion  thumbup.gif

Let me give an overall idea of the development of the property market in malaysia for the past 20-25 years.

1. In the 80s and 90s when I was the youngster in the 20s, we do not dream of owning a property. Due to the strict bank requirement then, property owner has to prepare about 15% of the property price as deposit+legal fees. Further more, the interest rate is around ~8% with tenure of max 20 years

2. So, the barrier of entry into the property market is high. The first being the 15% deposit (the killer) and secondly, the high monthly instalment due to high interest and short tenure

3. Furthermore, parents of youngsters in the 80s and 90s were mostly not tertiary educated. So, the parents do not provided financial assistance to buy house. The fact that the parents sweat out to provide tertiary education to their children is already a luxury

4. Hence, for youngster will wait right until age ~30 thereabout, only they consider buying their first property after climbing the corporate ladder high enough.

5. Fast forward to 2008, when the Americans implement QE1, QE2, QE3 (unlimited). The world was flushed with money. So much money that the door of banks' vault cannot close properly  tongue.gif  So, they relax their policy to lend out their excess money.  As a results, interest rates is reduced to all time low. Loan tenure increase to 40 years. Can't afford the 15% deposit ? Nevermind, banks partnered with developers and allow buyer "zero-cost" entry.

6. This open the doors to many new property buyers previously can't afford to buy due to points in #2 above

7. These property buyers include fresh grads in their early 20s. Coupled with their partner (female who are getting more educated and earning as much), suddenly they can afford housed in RM500k range
So, I think your first sentence should read :
The  doh.gif  should be  thumbup.gif

Your generation is much blessed. At least you have the chance to own a house at such early age. Whereas, my generation with the 15% deposit and high interest barrier, we don't even have a chance at all

My advice to the youngster now is try to work hard and earn more money. You can always partner your other half and afford the monthly instalment. In the 80s and 90s not that many ladies were as educated as the men, so the ladies were more a burden then. Now, the ladies are a contributor to our household.

Don't blame the free market as a hinder to your dream of owning a house. Be positive and find ways to realise your dream

As the saying goes "if you are born poor, blame your parents. If you die poor, blame yourself"
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The bolded part is the golden advice.

SUScunt
post Dec 27 2014, 02:26 PM

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QUOTE(bearbearwong @ Dec 27 2014, 02:23 PM)
Haha so high SGD? These quality.. you sure or not singapore no talent di..

if you mean factory worker.. few years plus ot.. maybe.. but where is does the future lies forever like that.. 10k SGD is a sure barrier never to hit.. 8k also dun dream.. manager level and very lucky mb..

joker ppl no tell you singapore prop drop meh? Singapore food SGD 3 to SGD 4 can eat di.. here rm6 to 7 .. singapore no inflation meh? Got GST wat..

malaysia many self call price.. kid prove dun talk only
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You are so useless, pls stop comparing yourself with others who can earn that much compared to yourself.i.e rojak educated brickfields failed lawyer.

You are no where near them, you are the one eying your ancestors shared land (5% max) and your mum savings.
The most pathetic son can you be?

SUScunt
post Dec 27 2014, 02:29 PM

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f***er doggy bear bear wong is here again to curse the market so that he can plan and afford to buy 700k property with 300k price tag.

Container living is your choice or eat selipar rice. freaking genuine rojak educated brickfields failed lawyer.
SUScunt
post Dec 27 2014, 02:31 PM

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QUOTE(bearbearwong @ Dec 27 2014, 02:29 PM)
Jealous ? Ur parents and ancestors no work hard lor.. right.. same logic dun blame proo expensive but blame why u income low.. soeculated part ignored..

So I m lawyer now.. how great do you ur friends can earn more if I go there?..
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yaya, even my ancestor got a piece of land also i wont dream like you to inherit their land. You rojak educated brickfields failed lawyer with zero English Comprehension skills cannot even get a work permit in SG.

Most likely you can work in Geyland for selling your butt.


SUScunt
post Dec 27 2014, 02:34 PM

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QUOTE(bearbearwong @ Dec 27 2014, 02:32 PM)
Dun joke with me.. ur quality in Singa can do wat? Talk cock like dis also ppl tink you no need..

please prove that I mention 700k.. make up facts.. hope goodview drop 730k to 400k.. where got credibility comments one...

showtime is one of the mind corrupting ones.. ppl know ur show..200k expectcppl to accept it at 1 million..
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Your zero English comprehension skills and lack of common knowledge in almost every field already proved that.

Somemore every day think of inheriting your mum money and ancestor land, how to go SG to work? you need to stay beside mum to poison her mind what.

pathetic doggy bear bear.

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