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.

when you have done enough homework, high risk isn't the risk we talk about.

So you are pro, wish you all the best! 😬

But anyway, crypto and co still 偏行.

If you old enough and watched 古惑仔， the taiwanese mafia head told 山鸡

“Politicians treat them like 尿兜，during dark it is convenient, but during the day, 尿兜 又脏又臭”

So, don all in, cash out some every now and then.

If it is 100% right now, one day it shall be 10% only in all your investment assets.

This post has been edited by The Retailer: Sep 25 2024, 01:34 PM

What about loan interest and expenses incurred in the last 20 years.

I read a very interesting book. On how boomers trillions wealth gonna be to other gens hands. Wonder if that cause a shift in how the young allocate their funds . It's worth a thread itself.

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

people say nowaddys buisness is hard, after implemented e invoice and sst...how do u thinkg?

Freehold landed properties will still do okay.