Ur calculation so funny, 5 yrs serving loan the loan amount already reduced. So how can u deduct the loan amount 126k from selling price 500k?? No one can predict the future, just patiently wait for few more years. The nilam putri built by bujit hitam also fetch handsome profit in case you dun know

Assuming loaning 370k for 30years with 4.5% interest, TS will be paying about rm80k worth of interest after 5 years while still owing the bank rm340k. (check amortization schedule). Maintenance fee might had amounted to rm18k in total for 5 years.

Transfer of title from Master title to strata title most likely will happen within the 5 years, that cost about RM10k

if selling thru agent, commission ~ 3% of selling price, thats RM15k

Thus total cost will be about rm80k+rm18k+rm10k+rm15k=rm123k

The break even price will be rm340+rm123=RM463k

I haven't add in utility bills and local council assessment fee yet.

Selling at RM500k might gain about RM30k. If the value fall below RM460k, most likely will be a loss.

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Scenario 2, if renting out for 5 years

RM1000 x 10months x 5 years will get you around rm50k of rent. (10months is used assuming commission paid to agent and certain months with no tenant)

The break even price will be RM463k-RM50k=RM413k.. this allow some margin before making a loss.'

Cheers