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to buy or not to buy a living space, shop apartment studio upstairs unit
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TSpoco loco
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 Mar 16 2025, 04:48 AM, updated 9 months ago
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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 NO LIFT 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
This post has been edited by poco loco: Mar 17 2025, 03:08 AM
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TSpoco loco
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Mar 16 2025, 04:52 AM
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at the same time,i did a calcalation too, rm90k if put at fixed deposit will genarate rm 300 a month @4%,estimate la....
that rm300 if pay as rent will greatlly help alot in the rented room pulak...
and this is my 1st purchase too,so i not really sure what other cukai/tax that need to be paid monthlly or yearlly,and is there a managment fee?
This post has been edited by poco loco: Mar 16 2025, 05:14 AM
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TSpoco loco
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Mar 16 2025, 11:06 AM
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ok
after reading all
now i lagi undecided....
relax 1st
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TSpoco loco
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Mar 16 2025, 11:44 AM
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i should add more info about this topic,
1,i going to buy this studio cash,so no loan thinggy (hate to utang utang)
2,my job is grab rider,so i can start anywhere anytime (so there will be no relocating for job purposes)
3,i work 3-5 hours dailly (so ill be at home most of the time)might adopt a bisu doge to stay wif me
This post has been edited by poco loco: Mar 16 2025, 11:45 AM
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TSpoco loco
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Mar 16 2025, 11:51 AM
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QUOTE(gashout @ Mar 16 2025, 11:45 AM) this, my mother, stroke... even first floor. one stair also cannot... this one in cheras? so cheap. read the above pls the studio is very near that kajang terminal bus station... about leg pain etc.....we really cant predict all this stuff,so i guess thing will change when u have that issue at that time kut |
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TSpoco loco
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Mar 16 2025, 11:55 AM
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QUOTE(gashout @ Mar 16 2025, 11:54 AM) yes, so poco needs to consider health level now.... healthy or not... if not, look after health 90k is really good, if it's near to mamak/ 99 speedmart/ kopitiam... its not a bad choice at all you can deisgn your place nicely, but the size is a bit too small for my liking, 20+ ok, 60 you do wish you have a larger house ya got 99 speedmart,jpn,kwsp,etc.... |
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TSpoco loco
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Mar 16 2025, 12:28 PM
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QUOTE(Boomwick @ Mar 16 2025, 12:21 PM) Rent sahaja la.. Maybe cost upfront like legal fee, mot stamp duty, insurance.. how much are those? insuran is compulsory? first time home buyer me |
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TSpoco loco
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Mar 16 2025, 02:53 PM
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QUOTE(kesvani @ Mar 16 2025, 02:27 PM) Be honest why didnt marry. Cannot get GF of prefer single but its the latter. I prefer marry but prefer single lifestyle single = easy life merid =hardmode merid wif kids = nah no thx so if u can choose the mode of life in your own life then choose wiselly,bcause some desicion cant be undone |
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TSpoco loco
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Mar 17 2025, 02:41 AM
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About the tnb tarif, thats my 1st Q to the agent to find out the tnb tarif,comersil rate or resident rate.the answer is 'resident rate'.
about old age walk up stair issue,i dun really know the future me leg,as of now no issue eventhought i got diabetus but docter say everything ok other then blood sugar jer, so if shit happen down the line then maybe sell of that unit,by then also at least 10 years past aready
This post has been edited by poco loco: Mar 17 2025, 03:12 AM
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TSpoco loco
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Mar 17 2025, 03:10 AM
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eventhough i haven go see the unit ( waiting agent tell me when can go see)
but from the pic,its currentlly got ppl staying in it,and it looks aready furnish and clean to me
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TSpoco loco
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Mar 17 2025, 07:15 AM
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5 more month only fd mature ni. x cukup duit ni
or should i forfeit it jer?
best if can drag 5 more month 😄
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TSpoco loco
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Mar 17 2025, 09:38 AM
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QUOTE(KenM @ Mar 17 2025, 08:02 AM) 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 oh.ok then...should be no problem then Attached image(s) |
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TSpoco loco
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Mar 17 2025, 10:31 AM
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QUOTE(jojolicia @ Mar 17 2025, 09:57 AM) 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. rumahwip is out of my bajet rm250k..nah ill skip this gov got studio?where to apply? |
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TSpoco loco
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Mar 17 2025, 11:19 AM
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all this stupid govement housing veli leceh 1,some even stated no projet at the moment..... haiz
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TSpoco loco
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Mar 17 2025, 11:31 AM
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QUOTE(MegaCanonF @ Mar 17 2025, 11:14 AM) 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. i got a plan if i still renting if owner scared to rent to old ppl.....offer 1-2 years payment upfront jer,i bet they will take it |
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TSpoco loco
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Mar 19 2025, 01:53 AM
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QUOTE(BL98 @ Mar 19 2025, 01:41 AM) 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. no issue about comunity..been living comunity less or near no interation for 15 years....its better for me anyway i waiting for ajen to give me a date for viewing,,,machem no update jer for the past 3-4 days liao... This post has been edited by poco loco: Mar 19 2025, 01:59 AM |
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TSpoco loco
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Mar 19 2025, 02:14 AM
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QUOTE(eddystorm @ Mar 19 2025, 02:11 AM) Buy a house. Sell it and use the money to check-in care center when you are old enough. not enuf money for a landed house, sell it later on is an option if health condition no good |
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TSpoco loco
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Mar 19 2025, 01:50 PM
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QUOTE(snimple @ Mar 19 2025, 01:33 PM) Rent or buy no big deal actually just like many said no right or wrong as most of the pro and cons can be easily countered What you really need in your life is ..... A partner who have the same mindset as yours (bf/gf you decide) As you grow older and become senior many things become a disadvantage to you so no matter what you need a stay together partner to balance out things Companionship is a need not a want (sex included) and its not hard to find someone with the same mindset/thinking like you So yea... Just chill and open your eyes bigger try mix around with ppl you are comfortable with who knows the person is there all the while if got same mindset ladies that i like that would be cool...... |
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TSpoco loco
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Mar 23 2025, 03:02 PM
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QUOTE(sidthesloth @ Mar 23 2025, 02:52 PM) Go buy cheap property at rawang, Bukit beruntung la. Rm90k can get single landed house ya bukit beruntung got so many under rm50k but no see any landed house for 90k at beruntung pulak.. anyway i saw 2 unit i like not in beruntung chat a bit with ajen then no reply liao....guess this ajen all no interest to sell/follow up pun....anyway i not urgent  |
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