hello, i really need advise to buy or countinue rent a unit...
i am 41years old,got no more family,wife,kids and wanna maintain that way till i die,

the unit i wanted to buy is rm 90k shop apartment studio upstairs (highest floor) 3rd floor just 400 sq.ft (approximately)

and the unit i renting currently is a room rm320 rent + tnb n water rm170 total up about rm 490 a month..landed property

sometimes i wonder y buy a  property when i die it will not be pass to anyone, (just a piece of my mind)
but in the mean time,i really like to live in peace aka senyap enviroment,the room i renting got other tenant with kids n near diswahing area,which can jolt me up from sleep when in use,eventhough its for few minute..

pls just advice me (buy or not to buy)

i am kindda unsure,
thank you in advance

Is the above true?

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

5 more month only fd mature ni. x cukup duit ni
or should i forfeit it jer?

best if can drag 5 more month 😄

you don’t need the full amount on confirmation to purchase… normally ready 10-15% of purchase price… it takes time for the lawyers to finalize the transaction and subject to authorities approval for some cases…
talk to your lawyer, they will advise

Don't go for 3rd sty shop-apartment. That's walk up, susah nanti. Topmost floor sibeh hot wan.

You should consider those affordable housing by the gov. Those 400-500sqft 1R studio, I think <250k

You are single, 1st time buyer > rsku/ rumahwip is a good buy. Many in the pipeline. Go for it. Have your own space growing old, bro.

Choose those with hypermarkets within walking distance will be good.

You can always sell and move to nursery care (hopefully that will not be the case). Stay healthy, live comfortable within your own space.

Service apartment living with amenities, social connection with neighbours a good vibe.

If I'm a homeowner, I would think twice to rent out my unit to elderly above 55. Can they pay? are they sick? no relative / kids?  too much red flags.

Ayam support u buy a unit . But as other /ktards have said, survey thoroughly, is the place to your liking? close to amenities? traffic / clinic / food nearby? u like?

climbing stairs, well as long as you keep a healthy body and keep fit, I dun see not much problem. If you fatty bom bom no exercise type, then only I would advice against it .

when needed u can sell the unit and the cash you use to go nursing home instead (after some time) when you are no longer able to live independently.

hope for the best for you , TS.

no lift is good.

cheaper maintenance, and you get to exercise your legs while you are sill young.

Highest floor also means your unit will be more quiet from the noise from the commercial activities on ground floor.

But, this type of property has no facilities, meaning you wont have any interaction with others in the community, so highly likely you will become forever alone, forever.

Buy a house. Sell it and use the money to check-in care center when you are old enough.