its all depends on your capabilities... there are alot of ppl who own a house, own a car... and still able to go travel annually... eat good foods, attend gathering and etc... nothing much to discuss about on this... if i have the capability to earn... i would choose to own a house while maintaining my normal lifestyle... otherwise... just rent so you dont need to alter your normal spending habit...

very short time aje... lol... during first two years college time i guess...

well the experience are not important to me as at now if i have the capabilities to own a house without impacting my normal life also geh... and really have a family now... all the more must get a proper roof over the head liao whether its on the ground or floating in the sky... lol...

for me i am open to renting house when I'm single... less burden and more flexibility... can also use those times to learn how to manage your own house and your own life before u get real own house...

thats because your owner made the wrong move in investing in that prop... not everyone are like that one owner... there are investors earning 6% yield and above in renting out their unit every year.... all in all... its the analysis u did before and the decision u made dictates how are you doing now... just like u buy stocks also will study ma... its the same in prop investment...

i bought my first house after 3 years i worked wor.... why need eat maggi... lol... buying a house never really affect my normal lifestyle eventually...

first 3 years was an auditor....

erm working in top medium firm.... the time i joined i gotten alot of special assignments which are different from ordinary audit jobs... i got very high additional allowance as well from my 3 torturing years due to my job scope.... but its proven to be worthwhile after i come out from audit field and easily can get the increment i want + position i want from other company....

yea... those were the days... to be fair... although the price looks cheap... but the income those days actually just as low as the property.... haha....now still keeping that property bro?

why bought a house is consider rich... i'm just an average degree holder come from average family just like most ppl in the middle income scale... why one must think that owning a property is only for the rich when u can leverage on loans...

yeah... during my dad time its like more than 10% rate but shorter tenure... not like now... u can take up to 35 years tenure... haha

erm... hence why i say based on capability... if u able to get a housing loan without affecting your normal lifestyle would be the best... or else... motivate yourself to work harder if you really need one own house...

for me... im on the former... dont really feel stuffy even having a housing loan.... i din buy the house based on very rush decision or without certain level of planning...

yeap.... when your kids all have their own life already... renting will not be a bad idea... all you need to concern is whether your wife ready for renting life or not only... haha

but ur dad's time fresh grad salary could be only less than 1k also leh...

hmm... i think sometimes different condition will force them to make different decision and different mindset ba...

but its true that nowadays... financial planning is very important but alot of ppl still decided to neglect it....

lol... i'm gen Y mia.... can only rely on my father mia story.... and depends on where they work to get the income...

u lupa about scarcity of land bro other than inflation... matured townships not expanding as fast as the population that demand for brand new landed every year....

haha... never have the chance to know what if i dont have my own house.... whether i will be able to married eventually... but usually chinese lang... u know la....

yeah memang no need.... when i bought this is just i want a proper roof over my own head aje... then smoothly everything will come into place subsequently...

no la... local KL ppl ma... i rent also because lazy to travel to college from home by the jam of mrr2 nia... compared to you guys who rented longer... more independent than me lo at least...

hence that guy is not really an expert... he know nuts about financial investment i would say... just a guy who know how to use basic calculator....