no wife no kids no need buy property, unless plan to have in future

Why would a forever alone man with no dependents, buy life insurance ? 😂

This post has been edited by mini orchard: Mar 16 2025, 07:15 PM

100% profit sounds gooding man. Also i tot all k sont buy and just rent ?

Banks need owner to pay off, while alive or after death

After death is not his problem. Bank will foreclose and any balance, if any, will go to govt coffers.

maintenance fee
cukai tanah
no lift (old liao how, find 2nd floor or town house better leh)
die liao give to relative ba, dont leave it there. make a simple will
think about old age, maybe u need go old folks home so this house no use also

unless have lift…( even if you do decide to sell, it’s a selling point…).. i have clients, office on 3rd floor, even to do random visit still take an effort ( walk up)

This post has been edited by KenM: Mar 16 2025, 07:26 PM

those fees fees is about 3-4% of property price. so 90k u ready 4k also cukup liao.

insurance nt compulsory, and since u buying cash, no need bank loan = no need insurance

jus find a lawyer, they settle for u.

Pro's of living at the highest floor
1) Nobody else living upstairs, therefore no need to listen to kids running around stomping their feet, pulling chairs late at night and sound of vacuum cleaners
2) Rarely people will walk up and kacau. More privacy.
3) Slightly more windy, slightly less dusty
4) No need to deal with neighbor's underwear falling down to ur balcony, or underwear water dripping onto your own pakain.
5) Contrary to what many ppl say, I truly feel that walking up and down the stairs everyday is a very good form of exercise for your legs and knees, especially so when u r still young and able. Since u r staying on top floor, u really have no choice but to exercise by climbing stairs everyday to get home, and this form of exercise goes a long way to maintain and strengthen ur legs and making sure u r still able to walk when u r old. Many ppl will try to scare u by telling u that you wont be able to climb at old age. I call that bullshit, unless u r the type that like to drink air balang potong kaki. If u really reach that age where u really no longer can climb, then jual jer lah and rent a single storey.

Con's
1) Less ppl travelling upstairs, if u pengsan in front of ur door, no one might notice
2) Neighbor bawah isap rokok dekat balcony/windows, asap naik atas to your unit
3) Neighbor bawah masak kari kepala babi everyday and the smell travel up to ur unit

Nobody want to rent to old ppl ya..they dont want ppl die in their unit

Are you wealthy or not? Consider private old folk’s home, it costs 4-6k in today’s money, suitable for old foreveralones.

Is the above true?

When u old can walk up stairs or not?

Is a fact. Diff tariff.

Buy first floor if no lift.

When gets older will have weak knees eventually especially when fat.

Ts is hot hunk 40 or fatf@40?

At least no Sked no home stay when old and poor. Renting at old age gets chase around cause sked u die there if alone. Need clear your corpse and all.


Find a partner perhaps at this age and built up more savings

Most people who bought 10 years ago should make at least 50-80% I bought mine in 2011. Developer late hand over so paid me LOD 15k also.

Unless you fked up real hard. If not I don’t think renting is better than buying. That is provided you are not moving to a different city. If same city in decent location. I 100% confirm your rent would have gone up at least 30-50% compared to 10 years ago. So buying would at least help you lock in the “rental” rate long term.

TS want to buy with cash, no need buy apa insurance la. Unless he take loan.

Rent can be increase, as well as property price. I think Ts better buy it now while he can. Old or health problem can figure later.

Many renters here….hehehehehe

Rent would be the best, when old stay at old folks home
🧓🏠🔥

there’s insurance if you buy on lian, that’s MRTA, in case something happens it will cover the entire loan..
the other insurance is home insurance against fire and other causes, this is necessary because if your neighbors house catches fire, your house could be affected as well… but it’s not too expensive and affordable
then you have utilities, cukai pintu, cukai tanah, indah water and maintenance for gated/apartments
many have said buy first, as you get older,renting will become expensive