Hi yesterday was in chance discuss with my colleague about this property acquisition, want to discuss with brother sister economist here, which one more worth it. To have clearer picture, to avoid buy a wrong location

There is two option in this case study , one is property in jb mount Austin rm600000 (1400sqf)+ Singapore hdb rm900,000(700 Sqf)


Jb house price - terrace RM600k

First deposit RM60k + lawyer stamp duty RM30k

Monthly installment rm2750

Bank Interest 4.5%

Negative cash flow= deposit -60,000
Lawyer fees stamp duty=est -30,000


Rental yield : rm1500,3.5%


PROPERTY TWO
Singapore HDB

S$300k~~~RM900k

S$60k~~ RM180k

LOAN 240k
Monthly 0, S$920(no need to fork extra cash,after buy, deduct from CPF monthly)

Loan Interest :2.5%

Deposit $60,000 SGD + lawyer fees ,ABSD RM48,600( $1200+$ 15000)

cash flow out - deposit $60k Sgd, 50% funded by CPF, (30k sgd+ 16k sgd) , hard cash $46k sgd

Rental: $1300 after 5 years, first 5 years cannot rent out

This post has been edited by sgmati: Apr 25 2016, 10:31 AM