For me currently was 12% house loan & 14% car loan. However recently bought new launched property which would wiped out additional 44% of my net salary. However consider that the property will only complete in 3-4years time hope my salary can cope up to reduce the ratio. And currently rental income was 11% of nett income.

sapa boss sini.... sakit weh... lol.....

yeah... generally hype is everywhere... and most of them lazy to do some studies and research... if you ask me those who queue for those AK projects... mostly buy into the hype and the pricing.... and parents outdated knowledge + agent smooth talking add on to it....

and flipping... now is rolling... no such thing to flip upon VP nowadays... u have to roll till certain period only ur body is fully terbalik....

Sorry what is AK projects? Noob here

This post has been edited by Rinth: Apr 13 2017, 11:21 AM

some banks offering DSR up to 75%.
so yes, you can take use up your full 75% DSR for home loan only.

Wa make fun of AK.

Very dangerous line sia. Nanti kena tangkap and bash.

AK king of affordable housing to help ppl

aset kayamas

no la.. for own stay... they are definitely good to go ahead.... but more than 50% is investors... flippers.... they king of affordable housing meant for those to stay ma... haha.... but many buy for flip... for rental....

parents say dont own one now... cant own in the future... even dont stay also can rent ma.... so positive...

Sure, welcome. Feel free to ask if you need any other info. Wealth of knowledge in these forums, but at the same time, lots of empty, rusted tin cans that are rattling quite loud. I'm sure you will be wise enough to filter those out and not let them deter you.

All the best!

Can rent, bleed money only lor

Ownstay buy in hutan best. One day hutan become Bandar Utama and you can sell the property for millions

Everyone has their own strategy but those who never learn to research first to kaput in few years time....

no la... not necessary best la... if u like condo... go city stay ma... alot ppl like condo also.... easier to manage... feel safer.... like the facilities provided.... but in term of appreciation... nothing much to talk about on condo....

Yes I would spend 60% of my nett income to home loan, if got opportunity.

Now 14% home, 12% car and 8% personal.

So I have another 26% to spend to another home.

Now no dare to flip flip.. buy for own stay

Very well managed, keeping monthly commitment way below 40%.

Can start hunting again boss.

Must be earning 20,000 nett salary, assuming you left 20% which is rm2000 every month for all you other expenses, no car loan i guess.

80% property (30% commercial 70% residential) 5% car 5% leisure 10% others expenses + saving.

will not spend more than 60%..

This post has been edited by mafa2801: Apr 25 2017, 04:37 PM

I will got more than 60% because year by year will get increment in salary and it will fall to maybe 40% of Bert salary goes to home loan. If wait for increment only buy a house the house price increase way faster. Also if I got few 100k saving I will take the risk

for own stay? not a damn chance.

for investments? for sure, as long as the capital appreciation is good AND/OR rental can cover the installments and other costs