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 ?

000022

apuneneh

drillz





--- 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

This post has been edited by timidandslow: Dec 20 2019, 08:05 PM

all in bitcoin and HODL until it becomes $1m per btc.

if u got to ask, mean u don't have 300k

Show us 300k fd first then we can tok

All in Red color at Genting

YOLO

300k condo?? location mana??

Genting

Black or Red

>asking serious questions in /k
>money related
>so basically ts want to say he has RM300k in FD la
>ok layan je la tered TS multi-billionaire rise n grind 🔥💯

LOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOL

err u never buy property with cash unless u have some money trail to hide

i pay my taxes every year, why cant buy property with cash ?

can buy this 1, cheap2

If u have 300k in FD u won't be asking financial advice from /k la

Oh no registered Nov2019

I jio u join me investment. Dump 300k Monthly gives u return 10-15k. Pm tepi if interested

gip me, me is investment banker.

gip me 300k, i will tell you all the money is lost in 2 weeks due to volatile market condition couple with unpredictable market sentiment.

this investment is best of basic, meaning i tried my best, money lost is not my problem and not in my control. It is the market's fault.

property for sell or stay?
If sell, rip.

sekejap 300k, sekejap 200k.....topkek

Be my angel investor

tbh i have 6 digits each in FD, ASN, and some other investment funds.

who cares....u been busted, nobody trust u, why not claim u have 9 digits?

lol out loud . the ironic part is that I consider myself poor even though I have 6 digits free cash savings. pity poorfag like yourself.

Buy cash la.... who so stupid take a 90%loan???
Do you know the mortgage interest is higher than your FD interest?
First time.buy property ah? Also it depends what you wanna do with that condo own stay or investment, if investment I'll just keep my FD and see first if own stay just buy only

the better question that TS should have asked is that hoe he could buy a condo with discount like how LGE bought his bungalow

Trashy condo is not an investment.

Inflation will eats your return over the time

Biasa la. Every once awhile got ppl want others to rustle his jimmies.

Wait til u have 7 digit
Make new tered like me

Page 2 i still waiting for FD proof

Unless you know what you're doing, I'd suggest against going into property investment, especially in this climate. Might as well invest half of it into ETF or stock or whatever, there's still some time before US election after all.

Invest in REIT better

200k savings. wanna buy 400k condo. sounds so weird. some fresh grad nowadays also can buy 400k condo on loan.

why dun u cont letting the $$$ sit in FD instead?

If you plan to rent out the property and you got tenant all year long and your rental can over the bank interest + give you yearly return of at least 5% then go ahead.

But if you can't, it's better to just keep your money elsewhere that give gooding return. Painful ler when bank every month charge you that interest on your 90% outstanding loan amount.

Remember you still have to pay to maintain the property, management fees also.
If the property is apartment and not landed and leasehold also, the degree of appreciation will be very limited.
If want to ROI on rental for say 400k property if cannot rent out more than 2k per month considered losing money every month already.

FD you have the certainty.

Your choice.

this is epic, i like this kind of video

i know this one dumbass bought apartment at barrington square cameron for airbnb,but still live in his mother in law house with kids

dont follow this type of ppl

Thread kuda approved

yeah right.....everything written in the internet must be truth, nothing but absolute truth

continue stroke your own ego....kena busted still mau pusing and pusing

edit: so fast edit first post liou...no more 300k, now revised to 200k

This post has been edited by 2feidei: Dec 4 2019, 11:37 PM

BBB UUU all in property

well, nothing to pusing. i have 6 figures in liquid assets, 2 properties to mY name, zero loans, and drive a 10 year old car

so better hedge against inflation by buying real asset

what's so weird?

are you retarded? that guy is the smartest investor ever. save money by staying with family and rent out his property to earn extra cash. its shocking how dumb you are.

oh so ur that same type of shameless ppl who enjoy leeching like a parasite on mother in law house for some "extra cash"
pathetic human being

Buy car

Put in bitcoin & just hodl it.

tak tanya pun

and, everything said in forum must be truth, nothing but absolute truth.....

why not say you have 10 figures in liquid assets, 20 properties in your name, monthly earning interest 5 figures where your car is paid from property rental and interest? ohwai....that's is me

for someone who manage to save 300k. asking whether to buy 400k condo is plain weird. 400k condo should be a piece of cake for you.

are you retarded? why not share the costs and contribute to house hold expenses? is that leeching?

im asking whether it's better to take 90% loan or 50% loan

because in first place this dupe takde 300k pun, 300 meibe got lah.......

imaginary 300k got lah

lol out loud, i see you got triggered until tagging me in other threads. only 6 figures in liquid assets, what is there to boast about? most of my middle class frends are more wealthy than me. did i mention i drive a 10 year old junk car?

seriously, how poor are you until you think i am boasting or exaggerating?

layan je laaa

i also malu to tell my middle v class friends. after work so many years but savings still so little.

triggered? absolutely no...but, enjoying busting dupe bragging with imaginary 300k or now changed to 6 figures in liquid assets

btw, r u khai92 dupe?

zzzz 6 figures also consider bragging. i can't imagine what kinda pauper are you. fyi im only m40 not even t20

tak habeh habeh with your imaginary 6 figures

dupe, next time mau brag, up a bit lah, change it to 12 figures since no proof

12 figures? maybe that's something you would do. im not interested in telling fake stories. 6 figures isc really insignificant and nothing to hoohaa about unless you are a beggar

kecian, imagination of fake story only up to 6 figures liquid assets jer

nothing to imagine pun, all this while i thought 6 figures is common and absoultely belivable. its like i claim i ate burger lobster or usda prime rib for lunch, then some moron asks me for proof. whats there to lie about?

90% loan. use your 300k elsewhere for investment.

i just got some good advice. i can borrow parents epf account as proxy. because retired parents can easily with draw epf without restrictions. i believe the epf contribution limit for senior citizens, is 50k per annum per parent. this is good investment

yeah, everything written in internet is truth, nothing but truth, absolute truth

u think pipul just born yesterday, todei just got internet?

dupe, u yet to master the art of bragging, and when kena busted, pusing pusing lagi......r u khai92 dupe ah?

ehh nothing to brag about also. 6 figures only, enough to blow your mind ahahaha. ohh now see , you are willing to expend so much effort to sell a bulky item for a lousy rm47 ? pity nya poorfag. life of B40 must be really tough for you .

blow my mind....yeah, definitely, a for dupe who create cerita sejuk with imaginary 6 figures liquid assets kena busted, and go into details digging up all my old post

and, now further imagine me becum B40 liou........so, do i need to show u proof I am not?

first you imagine 9 10 12 figures. then now you attribute some one else post to me. my my what an imagination you have

that's entirely up to U

unlike u who like to brag with your imaginary 6 figures liquid assets, i know how much i have, no need to tell whole world

wasnt bragging. anyway 6 figures is an insignificant sum and nothing much to brag about.


for someone who would try so hard to sell a bulky item for a mere rm43, thats a pretty big hint about how much money you have (or rather the lack of it).

thats fine.

This post has been edited by timidandslow: Dec 5 2019, 02:31 PM

-- double posted --

This post has been edited by timidandslow: Dec 5 2019, 02:29 PM

Don't play play, this taiko 2feidei is certified 50k/month Ktard

yeah, bukak thread tell ask what to do with 300k, later downward to 200k, then, now change to 6 figure is not bragging kena busted cerita sejuk mau pusing lagi

me trying hard to sell? you use your imaginary mind again ah just like u imagine u got 6 figure liquid assets?

i would think i am consistent . 300k and 200k are both 6 figures. also perhaps you could browse through a few other topics that i started. did you notice the consistency in the number of digits that i stated?

two clues are a giveaway of your financial status:
clue 1: trying to sell a bulky item for a mere rm47.
clue 2: your mind is unable to fathom that a random dude on the internet manage to accumulate 6 figures worth of liquid assets.

let me bust u again...
1. i bought it at rm47, and i don't want to profit from it, neither anyone so stupid enough to buy from me above market price.
2. to believe random guy from internet claim got 6 figure worth of liquid assets without any proof to back up the claim is insulting reasonable normal person intelligence just like I tell u I own lowyat forum

and, yeah, u r consistent, consistent with your imaginary 6 figures liquid assets

1. tell u a secret. only poorfags are so hard up to recoup a mere rm47. thus i deduce that you are from b40.

2. well, my posting history is there for you to see , clear as day. every single topic that i opened, my amounts have been consistently 6 figures.

Wah....u can deduce my category based on WTS thread while you consistently open topic with imaginary 6 figures without any proof and expect others to believe u

i haven't seen any logical argument from you which contradict my deductions. if you have a different interpretation from mine then feel free to rebut me.

if rebuting someone who consistently claiming have 6 figures liquid assets without any evidence is not a logical argument the person is bragging with imaginary 6 figures liquid assets, then, it really demonstrate your intellegence....

now i know musim sekolah lah ah boi.....holidei....go play with your friends lah, or nag your daddy mummy buy new phone, go holidei, stop with your imaginary 6 figures liquid assets

your conclusion is flawed . perhaps you should analyse my thread history more closely . and as i repeated already , 6 digits is rather insignifcant sum and nothing to brag about.

you should take your own advice.

yeah...let the public decide if anyone will believe someone bragging repeatedly got 6 digit without any evidence is truth, nothing but truth, but, absolute truth

continue post and show your stupidity to the world....i am here to enjoy the show

again and again i find myself circling back to this . is it really so difficult for your small mind to fathom that someone can accumulate 6 figures of liquid assets ? to be honest thats not something incredible that i am claiming. are you really that poor ?

the public ? who else apart from you ?

have you been able to deduce anything from the consistency of my recent topics ?

i could say the same to you.

if u have family and kids already u still want to live in mother in law house?u fcking no shame?....where to put ur face?in ur mother in law toilet?
contribute my ass....the reason u live in somebody house because ur stingy with money leeching like a parasite to make extra cash
when u can afford to buy own damn house instead u buy apartment in the mountain for some extra cash...have some pride and class la
some ppl are really pathetic and shameless when it comes to money

again and again...u choose to or pretend to or really that stupid don't understand...the fact is that you cannot proof you have 6 figures, coz u don't have it. U just want to brag in /k by consistently keep mentioning and open thread u got 600k

Page 5 dah.....mana drillz

you are shockingly stupid. some extended families like to stay under one roof, for the reason of being close to family members, this is certainly feasible if the residence has above 3000 sq ft of buildup area. if i contribute few k to the monthly expenses how is that still considered leeching ?

This post has been edited by timidandslow: Dec 5 2019, 04:09 PM

i am not interested to prove. no incentive for me. you will just have to accept it as fact. something which is common and easily attained , what is there to brag about ?

btw did you pluck that 600k figure from the sky or from your ass ?

yeah right....and u expect me to believe you..... or anyone to believe you.....stop dragging other to your level of intelligence

and if consistently opening a thread or mentioning, first got 300k, then, 200k, now 6 figures (which mean can be just 100k jer ) is not bragging, then, is this public service announcement?

layan je la tered syok sendiri ts

lulz

thats your choice whether to believe me or not. anyway i am just claiming something which is ordinary and common. not something which is incredible .


200k is 6 figures. 300k is also 6 figures. it tends to fluctuate because when i move my FD around between multiple banks and multiple FD promos with multiple tenures. also i tend to roll my credit card outstanding between multiple balance transfers . is it really that difficult for you to fathom ?

timidandslow,

You’ve already posted in the Finance Forum (on the same topic). It’s probably better and more appropriate to discuss such matters over there as opposed to in /k where things can get a little rowdy sidetracked.

I never say your 6 figures is incredible, don't syiok sendiri..........and, nobody open multiple thread or keep mentioning got 300k, or 200k or 6 figures repeatedly bragging like u.....all senyap senyap jer.......

I only say u don't have 300k, or 200k or 6 figures jer by reason u cannot show proof.

in my opinion . 6 figures is on the low side, compared to most of my friends. so no bragging from me. just asking for advice based on my financial situation. dont know why you interpreted my statement of fact as "bragging".

if u have money to contribute then buy ur own fcking house for ur own family,u idiot
its ur mother in law house not ur parent house,as a man u should provide a house for ur kids and family not the other way around
atleast if u want to buy a house buy one near ur place of work,not on a mountain
living on somebody house when u can afford own house and family to make extra cash is pathetic
omg some ppl are really shameless

let me give u free advice....

how u generate your 6 figures
-work/ save/ biz/ invest - continue to do that. Yes, you are stupid than your friend, coz your friend can generate more than u.
-inherited/ daddykasi - put in FD, since u too stupid to know what to do with it, rather than get cheated with fake investment, put in FD

more professional advise, u need to pay.....