I mean don't too calculative for loan, how much bank make etc via interest when we loan for 35 years. All calculated. Else borrow FAMA then for T20 parents

unfortunately lots of young couples spends overboard for their reno claiming its their dream house/once a lifetime/ do now if not later bekum expensive

let me intro u to 250sqft

kitchen in dining room in living room in bedroom sampai haram jadah mampos kau

prime location

let me intro u to 250sqft

kitchen in dining room in living room in bedroom sampai haram jadah mampos kau

prime location

own nothing n be happy

House loan also scared. Why need to scared, no money can sell get some profit, can rent. Unless you buy very bad property, than die lo.

malaysian cant afford house adi

now still condo

later literally sleeping box only

Buy land, pay cash. Build a hut, then upgrade to tiny house. Then build your real house for few years on your own. No need to take loan this way.

Question to all financial sifu.

I got a shoplot, already own for 6 years now only the rental break even with the monthly installment. I have no problem paying the monthly installment and the rental i received should go all in to pay the principal off or sumbat into EPF?

Few points to consider.
- I have enough savings to survive 1 year without working.
- Currently in the highest tax bracket. So if i pay principle i lowered the interest amount i end up paying more tax? dunno how to calculate this.
- unfortunately i dont have flexi loan.
- total noob in investment. never play stock market. Tried invest some trust fund all end up rugi. As the saying goes, i am the type that kena curse to only profit by working hard. No shortcut in my life in regards to asset gain. I lose out everytime i venture out of property/FD/epf.

Question to all financial sifu.

I got a shoplot, already own for 6 years now only the rental break even with the monthly installment. I have no problem paying the monthly installment and the rental i received should go all in to pay the principal off or sumbat into EPF?

Few points to consider.
- I have enough savings to survive 1 year without working.
- Currently in the highest tax bracket. So if i pay principle i lowered the interest amount i end up paying more tax? dunno how to calculate this.
- unfortunately i dont have flexi loan.
- total noob in investment. never play stock market. Tried invest some trust fund all end up rugi. As the saying goes, i am the type that kena curse to only profit by working hard. No shortcut in my life in regards to asset gain. I lose out everytime i venture out of property/FD/epf.