YTLreit , Sunreit and Maybank share .
I dint put into KWSP becoz i still <40yo and need cash/liquidity .

Not as simple as that, ccris are one of it. There are other requirements as well.

For us normal individuals, 1. Debt Service Ratio, 2. Make sure CC within 50% of usage, 3. No default payment.

If you’re high networth you will be treated differently.

ini law mana?

good ah this reits?

how do you evaluate them?

Is the property being rented out or own stay? If rented out, then I would size the loan to take advantage of loan interest deductibility to avoid rental income. Especially if you have a flexible mortgage.

If you're not investment savvy, then I would advise to top up EPF before placing into FD.

how do they do credit rating?

is there like credit rating A, B, C, D ? Standard measurement?

U can check here lur , juz treat it as low risk investment with steady div .

https://klse.i3investor.com/web/stock/overview/5109
https://klse.i3investor.com/web/stock/overview/5176
https://klse.i3investor.com/web/stock/overview/1155

I prefer tis portfolio thn UT , UT pay fees but fund mgr canot guarantee return if choose wrong example china portfolio GG .

only certain property loan period (if I not mistaken during pak Lah time), the loan interest is tax deductable.
If yourself doing the tax filing, you will notice it

For those who kept asking about tax deductable interest, see above reply. I do this every year. But not applicable if u dun declare Ur rental income.

A fundamental flaw in your illustration is that you assumed the interest to be paid to the bank is the same even if you put more than your repayment. This is not the case. You need to consider the interest after deducting the principal amount with the excess from repayment. This is where the difference comes to kick in and make you realise clearing the loan is better.

This post has been edited by Yenactiet: Feb 8 2024, 11:03 AM

So you just put some money on FD for emergency fund?

Pak Lah how many donkey years ago already, he also now suffered from dementia.

As far as I know, the current law regarding tax deductibles on loan interest is that IF the loan is taken out by a company in furtherance of a business otherwise, makan sendiri OR is there a change in taxation law?

Minta pencerahan.

This post has been edited by shaniandras2787: Feb 8 2024, 11:24 AM

ok thanks bro

Title talk about house loan vs fd
You pulak blow water about other types of loan.
Go create another topic lar

lololol how the in the fuk out of nowhere need to mention pak lah? really dun understand /k at all nowdays or probably that fella got dementia too

lel

U go bursa choose the listed reits share, then see their dividend yield records, all doing quite good in last few years. Minimum 3-6% over pass five years if not mistaken. But REITs share is still subject to price risk. My friend suffered some capital losses when he sells his reits shares in December as he need cash to pay downpayment for new car, lol. But overall he received good dividend in past 3 years compare to FD.

And reits fund all invest in commercial properties, like pavilion reits which hold all the shops in their own mall with very good rental. Some even trading in warehouse and factory, or landbank, which record very high capital gains in pass few years. So far I don't see any REITS hold condo sell by developer la, haha. All these info are from my friend who really spent time to read their report, which I will never do that, lol

My colleague's condo was bought in 2006, although the price has doubled, but he notice the recent price is dampening, and rental also not doing well as more new condo with good furnishings were built nearby his condo, he won't dump any more cash to renovate his unit, so he has just sold it and put the gain into his EPF.

So if your condo was bought in recent years, then better just continue to hold it, and find good tenant. As long the rental can cover 80% or above of your monthly installments and maintenance, consider very lucky already

both run parallel. until certain point of time. you have both. house and fd.

if u dump into house loan, end up u only left house.

but, this subjective. If you only have small amount of money, why u dump into house loan? doesnt make any super big different.

the calculation already tell you what different you will get. bank is smart. They already factor in.

if your hosue loan is 300k, you have cash 300k, you put in house loan, it does not generate income, you still need to pay the monthly installment with zero interest charge on your loan account.

You can put 150k into fd, 150k into your loan account to reduce some interest. or any amount that you think is suitable for you.

unless you want full settlement. but you need to start accumulate 300k from 0.

no perfect answer for all this.

but pavillion damansara quite bad, no business.

good point on REITs, I will have a good look at it

any other REITs of interest?

TS, I'll go for this.

Deduct some interest while still have some cash flow to earn interest.

Buy house with cash

Extra put in FD