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 Best new landed township

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autodriver
post Jul 18 2023, 12:16 PM

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"Looking at long term capital appreciation and future potential ( in 10 years)."

If you looking at capatical appreciation then you should invest in FD or KWSP for guarantee return. Or if you were having deep knowledge of investment then can invest on shares, funds or bonds. Investing in any kind of housing property now is not really making good money and in future also hard to get good ROI. Those agent will lure you into the trap that the property will appreciate with good ROI figure.

Those townships you listed basically all did not make good ROI after VP. As long as you see many listing in 2nd market that mean many people wanna sell out rather than keep it. Imagine you buy a house at RM 500k and 10 years appreciate RM 600k and it 20% up or 2% ROI yearly. If we take loan and no additional fund to offset interest,

RM500k, 35 years term, 4.4%

Monthly RM 2335
10 years
Total interest paid is RM 219k
Total principal paid is RM 61k.
Total payment you have paid is RM 280k

So this is not justified if you just make RM 100k profit where you have paid RM 219k interest over the 10 years time, which mean you making loss of RM 119k.




 

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