Outline ·
[ Standard ] ·
Linear+
property flippers come in
|
Intimidated
|
 Jan 13 2016, 08:04 PM
|
|
QUOTE(silent_stalker @ Jan 13 2016, 10:22 AM) Personal loan i will always look at bank rakyat which interest seldom reach 4%. Whats the everage BR for banks now? Last I got was still using blr with interest at an everage of 4.2-4.4. And personal loan interest wont be affected by any change in opr, blr or even br. U maintain the installment throughout the tenure ever heard of "fixed rate home loan"? |
|
|
|
|
|
Intimidated
|
Jan 13 2016, 08:08 PM
|
|
|
QUOTE(xtylish @ Jan 13 2016, 11:18 AM) take loan also need to do so many procedures! same as buying 1million property. lol main reason to get loan: you keep liquidity for shitty months instead of sinking more than half of your savings into a house get a fixed rate home loan, and treat the interests as insurance even better if you can rent the place out closer to the sum of monthly loan payment |
|
|
|
|
|
Intimidated
|
Jan 13 2016, 08:09 PM
|
|
|
QUOTE(Starbucki @ Jan 13 2016, 12:38 PM) People say if buy in cash, tax will come after you. If 50k pay cash also will come? if your tax filing (or the lack of it) says you are no better than homeless people (they probably earn more than you anyway), then suddenly you buy house with cash? confirm kena siasat |
|
|
|
|
|
Intimidated
|
Jan 13 2016, 08:11 PM
|
|
|
QUOTE(mowlous @ Jan 13 2016, 11:29 AM) RM50k below property guarantee a lot of mix squatters in that place. You no takut this people move in d dun wanna pay rent and dun wanna move away? Happens a lot especially low property area. Rich or middle class decent family one won't rent this kind of place because too dense and mix with low income earners. must have appetite for risk lor. spend some money, draw up actual tenancy agreement. if payment delay more than deposit amount, forcibly remove with help of law enforcement |
|
|
|
|
|
Intimidated
|
Jan 13 2016, 08:19 PM
|
|
|
QUOTE(max_cavalera @ Jan 13 2016, 08:16 PM) U already expert at this. Proceed ahead. Dont listen to ppl that wants u to be drowned in debt just like em... Id pay cash too for flat... Every month rental 80-90% straight to my pocket... if you got like 150k savings, then straight away buy flat with cash 50k no need blink eye also but if your saving is like 57k, risky to just buy like that without any sort of loan |
|
|
|
|
|
Intimidated
|
Jan 13 2016, 08:25 PM
|
|
|
QUOTE(max_cavalera @ Jan 13 2016, 08:21 PM) Lol worry what... U can always pledge ur house geran as collateral to the bank to open overdraft loan account... Bank would gladly accept that's the point: shit hits the fan, you might end up losing more than just interests but i guess it's just me being paranoid. i insist on keeping 1 year worth of loan-payment in cash, just in case shits are really bad. at least i got 1 year to work things back on track without going through these hassles |
|
|
|
|
Quote
0.0231sec
0.86
7 queries
GZIP Disabled