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 is it better to keep money in FD, or take the money out to buy property

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SUSdestiny6
post Dec 14 2019, 12:03 AM

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QUOTE(timidandslow @ Dec 13 2019, 11:51 PM)
arrr…..was that his challenge ?
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Summoning 2feidei bring it on silver card very easy get only , 1night playing 150GP only whistling.gif
TStimidandslow
post Dec 14 2019, 12:07 AM

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QUOTE(destiny6 @ Dec 14 2019, 12:03 AM)
Summoning 2feidei bring it on silver card very easy get only , 1night playing 150GP only whistling.gif
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i am glad to hear that obtaining genting silver and prefered banking is easy.

in that case ,2feidei should have no problem showing proof of his PB, RM, car sticker, infinite visa, and genting silver card.
SUSCincai lar
post Dec 14 2019, 12:11 AM

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everyone spaming this thread for 2019 TOTY ??
SUSdestiny6
post Dec 14 2019, 12:20 AM

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QUOTE(timidandslow @ Dec 14 2019, 12:07 AM)
i am glad to hear that obtaining genting silver and prefered banking is easy.

in that case ,2feidei should have no problem showing proof of his PB, RM, car sticker, infinite visa, and genting silver card.
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If he can show Genting silver card you really run nekkid?
TStimidandslow
post Dec 14 2019, 12:21 AM

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QUOTE(destiny6 @ Dec 14 2019, 12:20 AM)
If he can show Genting silver card you really run nekkid?
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what? no. that wasnt his challenge right
SUSdestiny6
post Dec 14 2019, 12:24 AM

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QUOTE(timidandslow @ Dec 14 2019, 12:21 AM)
what? no. that wasnt his challenge right
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2feidei kambing ....
SUSFenix98
post Dec 14 2019, 12:28 AM

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QUOTE(timidandslow @ Dec 4 2019, 05:23 PM)
currently i have rm200k sitting in FD. i am planning to buy property which costs rm400k for investment.
my question is , should i take a 50% loan and use my FD to pay 50% downpayment?
or , take a 90% flexi loan then move my FD into the mortgage to reduce the interest payable ?
--- edit ---
my general understanding is that , of course its better to take the minimum loan possible or no loan at all when buying a property . just pay cash if possible. in this scenario i forego the 4-5% annual returns that my funds are generating. but i skip the mortgage interest, valuer fee, legal fee, mrta.

of course i run the small risk of lhdn raising questions
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200k isn't much... You'll go thru this fast if u spend...

1) Basically ask yourself is your FD interest rate higher

Then your borrowings interest then the bank?

Obviously it isn't or banks would be bankrupt loan sharks and this scenario never happens.



2nd scenario

2) Do you have any vehicle that can bring in higher interest per annum then the bank mortgage interest, yes? Then invest @ chunk of percentage in that and service the monthly installments.

3rd scenario

3) You answered one and your at a dead end... You answered your own question. Put 150k down and 50k for lawyer, stamping and furniture....
SUSFenix98
post Dec 14 2019, 12:30 AM

Happy Meal upsized Sir?
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Alternatively u can take that 200k and get a flashy car status symbol.... And serbis that loan and maintenance fees...

Janji bergaya....

#YOLO
TStimidandslow
post Dec 14 2019, 12:31 AM

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QUOTE(2feidei @ Dec 12 2019, 10:14 PM)
topkek....kecut bola, pipul oledi offer u all expenses paid + 5k cold hard cash......saupeh lah dupe
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QUOTE(2malaysiajib @ Dec 14 2019, 12:28 AM)
always suspected that this son of a Biatch 2feidei had a dupe and thanks for pointing it to us
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yes he is indeed famous as a son of a biatch
SUS2malaysiajib
post Dec 14 2019, 12:33 AM

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QUOTE(timidandslow @ Dec 14 2019, 12:31 AM)
yes he is indeed famous as a son of a biatch
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but don't attack him too much la, later he would merajuk one like a 5 yr old kid
SUS2feidei
post Dec 14 2019, 05:38 PM

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QUOTE(timidandslow @ Dec 13 2019, 11:27 PM)
2feidei. I accept your challenge . on the condition that you can show me solid proof that you possess genting member card of at least silver .
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genting silver card jer.....apa kecoh....

» Click to show Spoiler - click again to hide... «
hksgmy
post Dec 14 2019, 05:52 PM

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QUOTE(2feidei @ Dec 14 2019, 05:38 PM)
genting silver card jer.....apa kecoh....

» Click to show Spoiler - click again to hide... «
This is what I’m talking about la - gaya, mutu & keunggulan. Or, the Singapore version: steady pom Pi Pi.

πŸ’ͺπŸ‘

This post has been edited by hksgmy: Dec 14 2019, 06:03 PM
SUS2feidei
post Dec 14 2019, 05:56 PM

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QUOTE(hksgmy @ Dec 14 2019, 05:52 PM)
This is what I’m talking about la - gaya, mutu & keunggulan. Or, the Singapore version: steady pom Pi Pi. 

πŸ’ͺπŸ‘
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unker, u don't troll or buli budak kechik lah........i hear u mau kam genting, i better masuk gaung, clear the road for u liou.....i know where i stand one, unlike someone first claim got 300k FD, then 200k FD, then 6 figures liquid assets, all supported with bank RM name card and car sticker jer....

later TS said ayam pinjam pipul one.....ask where is RM name card, infinite card or car sticker again laugh.gif
hksgmy
post Dec 14 2019, 06:04 PM

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QUOTE(2feidei @ Dec 14 2019, 05:56 PM)
unker, u don't troll or buli budak kechik lah........i hear u mau kam genting, i better masuk gaung, clear the road for u liou.....i know where i stand one, unlike someone first claim got 300k FD, then 200k FD, then 6 figures liquid assets, all supported with bank RM name card and car sticker jer....

later TS said ayam pinjam pipul one.....ask where is RM name card, infinite card or car sticker again  laugh.gif
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Hahaha. You funny la. But TS finally showed hand la. Memang ada FD. So, peace la. No need to tease each other already πŸ˜€
SUS2feidei
post Dec 14 2019, 06:07 PM

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QUOTE(hksgmy @ Dec 14 2019, 06:04 PM)
Hahaha. You funny la. But TS finally showed hand la. Memang ada FD. So, peace la. No need to tease each other already πŸ˜€
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but, but FD only 170k jer wor....round up to 200k? laugh.gif

ok lah, I respect u unker......peace, this is my last post to troll and tease TS, unless he kam out again cari gaduh with me icon_rolleyes.gif
TStimidandslow
post Dec 14 2019, 07:27 PM

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QUOTE(hksgmy @ Dec 14 2019, 06:04 PM)
Hahaha. You funny la. But TS finally showed hand la. Memang ada FD. So, peace la. No need to tease each other already πŸ˜€
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thank you for your unbiased and fair assessment , I feel vindicated.

This post has been edited by timidandslow: Dec 14 2019, 08:19 PM
TStimidandslow
post Dec 14 2019, 07:27 PM

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QUOTE(2feidei @ Dec 14 2019, 06:07 PM)
but, but FD only 170k jer wor....round up to 200k?Β  laugh.gif

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hahah boyboy. I already told you many times, ask your parents bring you go lasik. I posted proof already but you blind as a bat, cant even see the numbers clearly.

what use is showing you proof if are too dumb to even understand it when it is right in front of your face ?



This post has been edited by timidandslow: Dec 14 2019, 07:32 PM
SUS2feidei
post Dec 14 2019, 07:50 PM

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QUOTE(timidandslow @ Dec 14 2019, 07:27 PM)
hahah boyboy. I already told you many times, ask your parents bring you go lasik. I posted proof already but you blind as a bat, cant even see the numbers clearly.

what use is showing you proof if are too dumb to even understand it when it is right in front of your face ?
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]woit!!! Bila mau meet up at Genting? [/COLOR]

proof with what? bank RM name card? car sticker? or questionable bank statement show 170k round up to 200k? laugh.gif topkek....from 300k FD, to 200k FD to 6 figures liquid assets, even if 6 figures liquid assets also the barely make it 6 figures laugh.gif

cc destiny6hksgmy and davez89 for the lolz
SUS2feidei
post Dec 14 2019, 07:53 PM

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QUOTE(timidandslow @ Dec 13 2019, 11:27 PM)
2feidei. I accept your challenge . on the condition that you can show me solid proof that you possess genting member card of at least silver .
*
QUOTE(2feidei @ Dec 14 2019, 05:38 PM)
genting silver card jer.....apa kecoh....

» Click to show Spoiler - click again to hide... «


BILA TS MAU DATANG GENTING?????

This post has been edited by 2feidei: Dec 14 2019, 07:55 PM
TStimidandslow
post Dec 14 2019, 08:10 PM

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QUOTE(2feidei @ Dec 14 2019, 07:53 PM)
BILA TS MAU DATANG GENTING?????
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hahah boyboy, already kena sai lang by me regarding my FD, now you so eager to kena sai lang again regarding genting ?

don't worry, I already accept your challenge. I will go genting. if I say I have something or I will do something , I will surely back it up with proof.

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