I thought caveat works in this way?

1. U hav a property to b pledged to bank A for loan
2. Property worth rm1mil but asking loan for rm700k.
3. Bank A insert caviet and check if there r other parties who have cavieted the same property.
4. If ans is no, bank is the first party to claim the cavieted property. Other lawyers fees n valuation fees will b borne by you. Bank will lend out max 60~70% MV of the property, say Rm700k in this case.
5. A year later, u need duit again then u pledge the same property for Rm 500k loan from bank B.
6. After inspection Bank B found out that Bank A, the first caviet claim party has an interest of Rm 700K on this property.
7. Bank B will only lend out max Rm 300k to you.
8. Meanwhile, u can't pledge/sell the property for whatever reason unless u can pay off ur outstanding with bank A n B.
9. After two years u became a defaulter, the court will sell off the property and pay to Bank A fully and remaining to Bank B.

The same property may have a few cavieted interest on it. Bank will reject if it is master title but not individual title because it is impossible to lelong the whole project due to a defaulted loan of a unit.

So if a housing loan borrower, the lending bank is the first party on the caveated property.

Correct? Pls advise tq.

So how do you guys cope with it?

35km then how much? Can share some details for knowledge?

I mean if the capital property is RM 1 mil or close, then 35 km away what would be the price of it? Then what kind of property is that? Landed? Condo?

Boss Landlord, then I think I am confused between caveat and charge. Can advise a bit?

already V18 thread and page 23 and still about X+200k..... will this be the evergreen thread in /k?

Due to weaker RM as a result of slumping global oil price which affect country's balance sheet heavily. If OPR is going down, more BBB to come.


If not, how this thread survived til V18?


BBB- Buy Buy buy - people who have property buying tendencies and have good confidence in its future value.
DDD - Down Down Down - The falling property market or the burst of the bubble. People with DDD mindset pray for that to come day in day out without thinking about it rationally.
UUU - Up up up - Referring flippers who are pushing the price of property to go up.

can see lengluis all over the world too.
BBW, this has no direct relationship but can give you some thoughts on how foreigners think about property market in Malaysia.

In my earlier working environment, I get chances to meet different rich investors from emerging countries like Cambodia, Indonesia and China.

Foreigners are not interested to buy our properties. They are more than happy to buy properties in places like Singapore or HK because the land size is limited and confirmed demand is always there. Malaysia has more than enough land.

For those who are buying mainly treating malaysia for retirement or buying for their children during their study in Msia only.

Prescint 11? 3 storeys terrace from RM 700K and above. Launching tmr.


When a country implemented QE, with lower interest rate, capital will be shifting out from the country to look for better return in investment in elsewhere. Those capital, or more commonly known as hot money will flush in emerging economies like Malaysia, mainly goes into the share market. Those people who managed to gain from the soar share price, they will buy brick in Malaysia or other way of investment. Buy brick is the safest investment due to its promising return in the long run. Having say that, with QE from an influential country, stability of economy of emerging markets will suffer.

In addition, with the weaker RM but soar share market (with QE effect), you think what is going to happen next?

Taikor, just asking. If you have enough holding power during the raining days, no need to worry for anything right? No matter your ultimate goal is to collect rental as passive income or to flip it over when the time has come right?

what happened? He went to close his house deal ar?

BUtthead.




Palm oil is catching up due to shortage in global supply. Not sure if this could sustain. Anyway the price is already quite low.

Actually I have a question to ask you sifus.

In view of the crazy new launches, mainly are in the type of condo and mid to high end landed in KV, the market will be flushed by these kind of properties in 2016-2017.

Everyone is putting their hope on LRT, MRT projects to boost the development of the area without taking in prospect of actual organic growth factors of the area. Forget about the alongside M2020 because no shit still.

Imagine suddenly there are few thousands (conservatively) new condo made available in the market in KV, your investment in KV area are becoming more competitive and be reminded you need to count in those relatively new condo which was completed in 2013-2015, your competitors now.

What is your view on the still booming prop market where price is getting higher but transaction volume is getting lower, foresee the trend will be the same in the next few year?

This post has been edited by JasonW13: Jan 10 2015, 09:02 PM

new launch. RM 798K 3 storeys.

Then our neighbourhood will become a UN.

High class foreigners = what TS has mentioned

Add on,

Lower class foreigners = bangla, indonesian, Indochina, China

feng shui house why want to change?

+1
Afford what you can. No need to wear oversize hat

This post has been edited by JasonW13: Jan 10 2015, 11:14 PM

Banks also not doing well..

Banks having bad business not because of property market la. it was 1MDB impaired loan!!!! Banks suffered coz of the dickhead golanment. I hope I could find a good deal soon

This post has been edited by JasonW13: Jan 11 2015, 04:20 PM

Jolokia, pre-cast method is bad then what is the correct method for a better quality house?