Nov 13 2020, 09:49 AM
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?
no... 12 years in klang valley had move in and out 5 property under my name. had only rent in the first 3 years in KV and 2018-2019 when my wife wanted to test out if she can adapt to the lifestyle near my working place. what you really need to do is take the first step and when you repeat this step..you will notice actually there isn't much to worry about. to answer some of your questions: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?
1. I lost my job? find another one
2. My salary got cut? does it matter? get a house which you could comfortably afford
3. More pandemic coming? no one can tell and yet you still need a roof not?
4. if i buy a house can i still afford to do thing i used to do? why not?
5. What if i change job or company relocate me somewhere more farther? the house will change together with ya
6. What If there's a sudden big increment of non bank commitment, like kids, etc etc you married mei?
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. when you hit age 45.. you better be damn sure you can buy the house cash. Else for F sick you keep those cash?
8. Unexpected repair bill? like what?
9. Will iable to save more for retirement? sell the house
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