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