unker always advise younger kolik upon their asking, stop focusing on how much you want to spend on renovate your house nicer, instead focus how to cut down on unnecessary renovation and increase your down payment or how to grow income with those.

All those young kids rileks je spending more then 100k cash on this sort of things.

In the end, you a grown adult, your own money, no need other people to tell you how to spend them.

Tak bagi interest rate how to calculate?

Also some loan got 5 years lock in period which need to pay penalty for early settlement.

lets say u borrow 500k for 30 year 4%, at the end u have to pay 359k interest on top of the 500k.

but if u pay 100k downpayment and borrow 400k for 30 years at 4%, at the end u have to pay 287k interest on top of 500k.

difference is u save rm 72k on interest

but, if u take that 100k and dump into epf lets say 5.5% for 30 years, u will have 498k after 30 years.

minus the 72k due to house loan interest difference, u still have 426k extra.

so for me, is really no brainer la, i sure whack highest loan tenure as possible and save the money elsewhere with higher return than house loan.

but will get in trouble if use it to leverage and borrow more to goreng house. once opr hike more than epf rate then gg

what for? It is 10000 times better than your pbb or hlb, cannot even over 70%

Pay extra to principal la bodo. Siapa suruh you min.pay 1500/mth?

People loan few million pun belum bising, you 350k kacang putih mau bukakke thread sampai 12 pages for what cock?

yes rm25 to withdraw. pretty cheap imo to access money when you really need it

Izit possible opr more than epf?

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

money value small brah.. if home loan capped at 10 years alot prop developer will go pokai. haha.

not their fault....but property nowadays do not have good quality tho.....thin structure and cracking everywhere + poor isulation + bad design (kitchen at living room)...

Singapore HDB is much more practical and solid tho.

worst is they found out their property is leaking here and there and need to remove tiles to repairs.....and not many people can fully coorperative to strata management also....at the end....a lot of bad unit come out and the management cannot keep up....

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

also, they realised only 1 cp....then if gf/wife want park, need to rent one more....otherwise parking at roadside jer....block the whole road

actually the first option always borrow from FAMA....business loan 101

let me intro u to 250sqft

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

prime location

also lauzy car park design.....over-dense units....

narrow car lane + too high level CP (take more fuels) + rain cover bad.....lobby flooded when rain....

250sqft in malaysia? memang haram...

defaq TNB bill higher than loan instalment?

uncle think government should propose TAMAN development instead of condo.....condo is really not suitable for Malaysian

Lol your concept is right but the numbers are all wrong.