Not loose la.
It was just innovately made attractive and affordable entry with financing package.

That was why came mid 2010s (can't really remember, i think 2014/15), bnm enforced 3rd & above prop at 70% finance margin lo

This post has been edited by jojolicia: May 12 2023, 08:27 PM

Good morning!

These stat figures (usd) is benched against, to the respective countries cost of living or income per capita? Or what parameter

This post has been edited by jojolicia: May 18 2023, 11:13 AM

State election kua.
May not be a matter to buyers but it sure does to a developer

Why boss icemanfx kena sus?

Can share the link?

Ok thanks for replying.

Good morning icemanfx, you are back 👍

Lock down 2.0? Can the current coffers afford it after 1.0 "set go" so many questionable precedences?

I doubt so

This post has been edited by jojolicia: Dec 11 2023, 12:53 PM

Since you mentioned red tapes, more in the making and coming

But you can't deny the fact of having 1 or 2 non movable assets of today's value for your kid's 20 years head start.

No right or wrong, but question is for yourself only or for your next gen?

You still need to hedge right on top of all other variable instruments. Why limit to one and not both classes?

Can you find any house/ shop lot/ land subsale today that is going cheaper in value than 10 years before?

You talk cash flow, opportunity cost at cumulation but wealth preservation is still the end game unless you plan to spend it all on yourself this lifetime.

Well the fact is you can't even buy a service apartment today for the price of a true condominium 20 years ago.

Head start can mean today's value of yesteryear and not necessary staying in a 20 years unit.

Likewise as in a 9 yrs hire purchase no-no

If you do mortgage 20, it's a roof over your head and a peace of mind in the process of owing for your family well being and nothing else. Period.

Don't be a wannabe of nothing talking shiet roi when you do 20 to begin with.

The cost of financing dy kill you. Don't be a self contradicting person for a start.

If you still wanna dip in as investment or hedge (selectively), cap your CoF at <20% loan. Tenure for the run, sendiri work backwards, you will get the math. If I still remember correctly, it should be ard 8-10 yrs from SPA date. Yes, SPA date, a true buyer starts paying upon signing the dot not vp. For a service apartment, you can make 4 babies in 4 years.

Construction progressive interest, seriously? Read para 3 & 4 again

Lock your acquire cost.

Rental return should still be way >4% pa of acquired cost upon VP (assuming that same cash amount in fd, leave other variables aside pls, yes crypto have better figures) plus an upside of appreciation, hopefully.

You tell me Ice, IDK.
Will the prop value 20 yrs later almost at par with what the bank earns from a 20 yrs tenure mortgage loaner of the same SPA? Rental + upside appreciation

This post has been edited by jojolicia: Sep 27 2024, 09:36 AM

Do share. Start a thread