Eeehhhh... i thought a lot of k/ are managers and 20k club before 30. 3.5k monthly also cannot afford ke?

I'm not even k/ standard can live in 800k house. Come on k/ you all my idols.

fark off la bodoh....

Can afford and want to afford is totally a different thing.

Don't confuse between the two

Agree. You only mention first n second. Imagine dragging it to 35 years. That's why I paid off mine in 3 years.

And woke up thinking if I can buy another more comfortable property eg. 800k. That's 4k/mth for next 30 years.

Just the thought alone... Is scary. So nope.

3 years
damn.. kaya raya

It's a lot of saving to pay off.

Just happy it's over. And someone said it very true. When you're berhutang, it's very hard to get your wealth growing.

And now to my next treasure hunt...the crypto world

post removed by user.

This post has been edited by coldbasecamp: Sep 25 2021, 02:41 PM

How are uoll coping monthly installment of 800k loan...

No expensive car to show off. Dont go out eat everyday, cook simple meal at home. No buy new iphone every year. Dont spend on unnecessary stuff.

My journey

Age 22 - fresh graduate with celery RM2,800. YOLO and boughted car with 0% downpayment and monthly instalment RM1,200. Every month makan roti negative cash flow.

Age 27 - by this time celery I think raised to around RM6 or RM7k. Wanted to propose to wife, so boughted an under-con apartment in middle of KL for RM380k. Downpayment 10% funded by a good bonus that year and some EPF withdrawal.

Age 29 - celery increased to 10k++ and car instalment finished. Stupid apartment construction delay super long, still stuck at car park level. Now with covid excuse lagi la delay. Got married already, so don't want to wait anymore and boughted RM800k landed subsale. Downpayment 10% funded by my lucky all in into BTC which quadrapled from RM10k to RM40k, as well as all in into glove shares which tripled from RM30k investment to RM90k. Reno cost about RM130k, partly funded by my savings, the rest funded by daddykasi (thank you dad).

Looking back, my celery is ngam ngam cukup makan saja. Far from ktard RM20k. But huge chunk of my extra funds came from investment income. Although sometimes lose sometime win, that all in into BTC and glove shares have indeed helped me buy my 2nd house.

Oh and also big thank you to my parents.

This post has been edited by ComingBackSoon: Dec 26 2020, 10:46 PM

You cannot afford doesn't mean others cannot je

Eco world and Setia Project all above 1 mil ... 3mil banglow also sold out .. what’s the problem

Pay more down payment so you can bring down the monthly repayment to a more affordable level.

Or by earning sgd