Prop price will drop if banks start to bust in malaysia.

Slight opr hike doesn't effect much, sme will die first.

Money in money market can still cover for loan repayments btw.

Rents are not going down, it's getting up. It doesn't lowers once the opr went down also.

Subsale price a lot are stagnant, lelong ones are over priced units. You buy alrd go remortgage might not be getting the same value. New units are selling above their value. In the end banks still wins by creating new debt.

0.25% won't die so fast, another round of debt creation is otw.

Oversupply at undesired location which a correction is required/ ongoing. In better areas places are being snapped up fast.

Overall malaysia prop market will not see drastic drop as per hoped by a lot of people. Stagnation and some correction phase.

Most areas tend to be held by a few families and growing the portfolio on a year to year basis.(rows of shoplots and some residential, perhaps running a few jmb also in the area)

Money market is the place that gives you least returns btw, yet it can services the facilities/ leverage instrument. Collect debt interest to cover another debt and have spare change.

Amount of borrower that might/ default over small hike is so small that you can't make good profit shorting the reits.

People you need to look for are those with fam office/ private banking if you are asking where the money are, certain people in pnb and khazanah has the list.

Klcc prices has come downed abit actually. survey around and you will notice the better areas with some hot money.

where and which family you have to dig yourself. most are not known publicly.

exited at peak now pending to make a kill again.

compared to london, more went to switzerland, ireland, netherlands and the likes. more on netherlands since demand there is crazy. UAE returns arent that great tbh.
however if you are okay with abit of corruption asean has a vast basket for you to grow money in property and create another bubble.

its abit off topic already.

that being said its unlikely malaysian property market will face a crash or fall anytime soon with so little rate hike, might happen if we see the % as per us. then things would be very interesting and a lot of opportunities are available for all.

KLCC rental ROI about 16 to 20% not to mention the above avrg maintenance fees of Rm1.x, there are some places in damansara(22% to 30%) and KL <--certain commercial lots ROI more than 25% with cheaper or no maintenance fees.
moreover rental at KLCC a lot of short term compared to other places. and its getting old for KLCC area.

and growth psf unlikely to 100% or 200% in short term. if can definitely exit alrd.

depends on how you view, not all tycoons are developers and not all developers are tycoons. people with 50m and up can do this pretty easily if they have good finance sense. our opr so little, parking the funds elsewhere collecting foreign interest and buy cheap stuff here also not bad actually. everything in RM looks tempting to buy tbh.

Property can be illiquid, or it can be in forms of facilities and collateral for something else. depends on your strategy of various financial products to play.

(Net Profit or noi / Initial Investment or purchased price) x 100 <- applied on fully paid for or cash prop
(Net Profit or noi - loan payments) / (purchase price + loan amount) <- on going serving loans or facility

only net profit or noi if inherited prop, figures from previous post are from fully paid props.

certain older commercial area can really fetch rentals nowadays. best tenant now is pharmacies, banks no longer favourite anymore.

DPC made more dough compared to KLCC fyi.

This post has been edited by jett138: May 17 2023, 01:43 AM

well looking at entry to priority or premier banking is just RM500k fd some lower some slight higher. not to mention malaysia has too many undisclosed income or income put in to expenses column type management.
not to mention a lot of outflow to SG when they introduced private banking with attractive offers on interest and products. more malaysian qualify in SG for T1 than malaysian qualify for T1 according to the chart.

will you buy the dip ? lets see what happens after june. if it happens might have a short fall, just might.

nice thanks for the info, was automatically qualified, never bothered to ask or to know.
my first banking acct was opened with 500k deposit with hsbc for ease of transferring funds overseas for uni and living funds some 15 years back then. therefore would just assume its about 400 to 500k for others also.

Amla i kena before, on suspect list banks will send you a cheque of all the money inside and send back boxes of safe deposit back to you, was very surprised when my branch manager suddenly inform me about this back then.
after that rarely will have money here, more in SG and other parts of the world.

more of you need to know how to declare instead of hide your income with amla.

Bank just forcefully closed everything with calls and a late receive written notice as per instructed by certain parties.
black and white comes together with a bankers cheque and few metal boxes from safe deposit<- only one banks did this, others were frozen for 90 days.