TS like my friend, said paid more than 10 years for housing loan, last few year go check principle only reduce less than 50k. Then kpkb.
Ask him pay more monthly, he keep quiet.

The best part is monthly TNB bill more than the housing loan 

Got kids, 1 breeding dog, outside eat dont really care the price.
YOLO more important 

Sometimes i don't understand those "buy properties for investment".

mostly making lost anyways. Property appreciation is practically none now.

Not guru, just some pointers for your consideration.

If your shop location is above average, i will keep for recurring income.

Shoplot, its either a do or die thing. Location and its residential, commmerce mix maturity matters.

Study the business mix there, is it an isolated 2 rows only to a small taman or a cluster of shoplots that can be called business park of that neighbourhood.

Sustainability matters for shoplots.

Anyway, shoplot is good asset class for recurring income if you hit triple 20 and a top check out in selecting the few.

Secondary market, there surely is.

Key move is you gotta be the early birds to put your money  in the new development township. You need to know the development's potentials, developer's strategy as a whole and their master plan, their commercial spread, infrastructure kedukut-ness (like the aust slang stinge), look into where are the gazetted surrender land to be etc etc.
In short, hot and everything from oven about the township.

What you see in the township, do make a point to study valuation? its demagraphic, connectivity, dev mix, existing nearby, local councils and their supporting plans if any, how is their hand shake to with developer etc etc and most importantly 'the ounces' of your developer. Every developers has their architect-authorities runners or an inhouse one, get to know these.

Holding power for shoplots? A big yes. That's the gameplan for being early in order to maximise the potentials you see in.

Frankly speaking, many invested in shoplots for an asset class hedging against inflation. A recurring income at later years. There are things that always go up in tandem. Business premises is one.

As you mentioned 20/30 yrs by instalments (rental return) ? That ain't gonna make the cut, not even for residential of today. Even if you do get good rental returns in the shortest time, as an investor you still need to do your part in your leveraged prepayment. Never the 20/30 yrs kind of tenure. Cost of financing is everything and crucial in any property ownership.

Not the math of rental A > instalment B x 20/30 yrs. Its not sustainable.

Anything short, its the Bank with a big smile and not you.