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 Fear of buying house

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darkmusses
post Nov 10 2020, 05:31 PM

On my way
****
Junior Member
595 posts

Joined: Nov 2008
From: Kuala Lumpur
QUOTE(clockpulses @ Nov 10 2020, 05:10 PM)
It'd been few years already,  iam a very fickle minded whenever to decide buying a house. I WANT to buy a house because i want it, not saja saja, but Everytime i seriously thought about buying a property (own stay), i put hours hours hours of research and consideration. So many what ifs in my mind,  to the point i gave up tbe idea of buying a house and going debt free route and save as much and enjoy life as much as i can.

The What Ifs

1. I lost my job?
2. My salary got cut?
3. More pandemic coming?
4. if i buy a house can i still afford to do thing i used to do?
5. What if i change job or company relocate me somewhere more farther?
6. What If there's a sudden big increment of non bank commitment,  like kids, etc etc
7. Age is middle 30, what If i hold a little longer,  save money and buy house at 45 year old, then only eligible for 25 years loan. Donno can afford or not
8. Unexpected repair bill?
9. Will iable to save more for retirement?

Above questions are not for you.

At the moment I'm enjoying my life, car loan will finish soon, sometimes i felt too comfortable and boring. Can own a house make life less dull?

Seen and heard many cases that many people were getting fired this year i suddenly become coward to commit. Even a high income like pilots can be layed off.

Should i enjoy my debt free life?

Do you have the fear of buying a house?
*
PRIMA / WIP kan ada ..

Regardless, stil need saving also .. what's the point if you do not save because in the end you will have NOTHING ..

Even I can afford RM1M property, my current house is only RM300k ..
darkmusses
post Nov 11 2020, 10:15 AM

On my way
****
Junior Member
595 posts

Joined: Nov 2008
From: Kuala Lumpur
QUOTE(K.I.T.T @ Nov 11 2020, 02:09 AM)
Daripada sibuk2 PRIma / WIP baik bukak bussiness kedai makan ke francais serbenaka ke kedai dobi ke kalau air mineral 500ml rm1.50 kat depan prima/wip. Diorang pun x boleh komplen sebab tu je pilihan je ada

Nak murah? Start you engine pergi la kedai lain. Bayar la duit parking & duit masa.

Untung niaga dapat dari situ beli la rumah kat EcoCity ke desapark ke.
Apa nak gaduh mana rumah mana rumah mahal
*
Convid kali ni not many can survive, you should even syukur if got a job TBH ..

Anyway diff ppl diff thinking, being a boss of your own is good if good planning but something good planning also fail ..

Then can say goodbye for your home .. I lost my job also I don't need to worry for because my home payment just below 20% of my salary ..
darkmusses
post Nov 12 2020, 10:20 AM

On my way
****
Junior Member
595 posts

Joined: Nov 2008
From: Kuala Lumpur
QUOTE(K.I.T.T @ Nov 11 2020, 10:37 AM)
If i want find house for stay i will find best one.
Once you bought duit mengalir mcm air.
*
Who don't what to get the "best" one .. The problem is : Can you sustain ?

I choose not the best one .. rather something decent ..

Besides, family also got inherit some properties, will continue buy more later in time ..


darkmusses
post Nov 12 2020, 10:24 AM

On my way
****
Junior Member
595 posts

Joined: Nov 2008
From: Kuala Lumpur
Sometime ppl with big house makes me wonder .. be it family inherit, or own purchase ..

Outside could be rundown .. when I pass by those landed one .. most but not all ..

Got money buy but no money maintain .. worst .. next generation cant even afford to maintain after living so many years ..
darkmusses
post Nov 13 2020, 10:07 AM

On my way
****
Junior Member
595 posts

Joined: Nov 2008
From: Kuala Lumpur
QUOTE(K.I.T.T @ Nov 12 2020, 08:37 PM)
if u get house u like it or u dream about it u will automatic need know what to do.

i dont mind renovation up to 100k tiles per unit RM 10 because property always price up.
*
I plan to get a villa for my vacation home oversea and I'm working towards it now ..

Hopefully can materialise this with my partner ..

 

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