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 Is property investment still worth it?

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ahkit123
post Sep 6 2025, 04:43 PM

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QUOTE(Haiwelcome @ Jun 30 2025, 07:26 PM)
What do you guys think about prospect of property investment in Malaysia especially in Klang Valley? Is it still valid and relevant?

- Oversupply of housing units. First time buyers/younger buyers mostly do not have 10% and money for lawyer cost etc. So they opt for new development which most offer zero entry cost. As a consequence, subsale unit very hard to get buyer (especially unit priced rm400k to RM800k).

- Not easy to get tenant, very competitive market. Maybe oversupply also the factor.

- Cost to own a rental unit is not cheap.
1) Have to installed lighting, fans, aircond, kitchen cabinets, curtains, etc for bare unit. That might cost around RM20k minimum in average.
2) Cost for agent fee, every 2 years or every year.
3) Cost owner have to bear in between period to get a new tenant, maybe minimum can lost 1 month rental, if not lucky can be 2 or 3 months before get new tenant.
4) Cost for monthly Maintenance fees (for condos or landed wioth facilities). This not cheap.
5) Headache to handle bad tenants that give problems or damage the unit. In some cases the deposits cannot cover the repair cost. Owner can consider being lucky if can get good tenant. In general from my experience not easy to get really good tenant. Becos peoples with good financial mostly live in own house, not renting.
6) Cost to pay yearly Cukai pintu/cukai petak.
7) Most cases I notice owner cannot cover bank monthly installment wioth the rental money. Need to top-up.
Considering all these costs, if you carefully calculate, at the end, landlord are are loosing end.

- Condominium can be very less attractive after 10 to 15 years. Looks rundown, old. But not all. So, to sell old condo, not that easy to get buyer. That is one thing, to get the buyer. Another thing is the price might be same or if not lucky, the price is lower that the price owver buy from developer. If higher, not that much. If you calculate all the cost owner have to beat during years of tenancy, after get some untong after sell, is it still worth or just break even? or rugi?
If rugi, all the headache having unit for investment, just for nothing. Only penat and waste of time. Or at least only had the pride of becoming a landlord biggrin.gif Feel like orang kaya when have title as landlord. biggrin.gif
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Yes
BoonieTan
post Oct 24 2025, 03:34 PM

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abhipraaya
post Oct 24 2025, 03:37 PM

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No.

gashout
post Oct 25 2025, 05:36 AM

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no.

just put money into ETFs/ BTC
Babizz
post Oct 25 2025, 07:19 AM

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QUOTE(autodriver @ Jun 30 2025, 06:27 PM)
In KL Selangor we can still rent an empty condo at RM1000 for 900sqf. After 10 years maybe rental go up to RM1200. Imagine if total 30 years renting a house and total payout is RM432k. And among 30 years if we put RM1500 into our KWSP account, after 30 years with compounding interest the amount will be RM 1.3m.

During the tenure of renting house, we do not need to pay any maintenance fee, cukai tanah and most important is saving huge interest from bank loan. A property of RM 500k the total interest payout is similar like RM 500k for 35 years, whopping RM1m paying to bank. But after 35 years the property especially condo may worth less than the purchasing price because the condo age is "old" while there are other newer condo at affordable price.
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Most importantly I want to know 1000 what "condo" u can get smile.gif can share some listing?
ahkit123
post Oct 25 2025, 05:48 PM

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QUOTE(Babizz @ Oct 25 2025, 08:19 AM)
Most importantly I want to know 1000 what "condo" u can get smile.gif can share some listing?
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student apartment
Babizz
post Oct 26 2025, 11:37 AM

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QUOTE(ahkit123 @ Oct 25 2025, 03:48 AM)
student apartment
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Send me the link. I wanna see what type and what size.

Since I see most condo rental go up always.

This post has been edited by Babizz: Oct 26 2025, 11:38 AM
TSHaiwelcome
post Nov 25 2025, 01:14 PM

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QUOTE(Babizz @ Oct 26 2025, 11:37 AM)
Send me the link. I wanna see what type and what size.

Since I see most condo rental go up always.
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Not always go up if the situation is supply more than demand. We are big country. We are not Singapore.
After retire, peoples can move to other towns where cheaper cost of living and more peaceful.

Retired couples facing empty nest syndrom. Big house but all children no longer live with them.

Better sell, and move to smaller house in other towns.
Got money from the transaction better go enjoy the money while u still can, travelling all over the world like nomad. Who cares about normal traditional life as old folks anymore. At the end of the day, we all die. So, big house and lots of money is no meaning. Money is not yours until you spend it. House cannot bring to grave. 😝

Afterburner1.0
post Yesterday, 09:46 AM

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Property does not make u rich ! it helps maintain ur wealth for generations to come..... when stocks markets tanks, u still can collect rental.....it s long term game plan...
icemanfx
post Yesterday, 11:06 AM

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QUOTE(Afterburner1.0 @ Nov 26 2025, 09:46 AM)
Property does not make u rich ! it helps maintain ur wealth for generations to come..... when stocks markets tanks, u still can collect rental.....it s long term game plan...
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Not for leasehold.

This post has been edited by icemanfx: Yesterday, 11:06 AM
Babizz
post Yesterday, 02:15 PM

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QUOTE(Haiwelcome @ Nov 24 2025, 11:14 PM)
Not always go up if the situation is supply more than demand. We are big country. We are not Singapore.
After retire, peoples can move to other towns where cheaper cost of living and more peaceful.

Retired couples facing empty nest syndrom. Big house but all children no longer live with them.

Better sell, and move to smaller house in other towns.
Got money from the transaction better go enjoy the money while u still can, travelling all over the world like nomad. Who cares about normal traditional life as old folks anymore. At the end of the day, we all die. So, big house and lots of money is no meaning. Money is not yours until you spend it. House cannot bring to grave. 😝
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Will you move to other town with no friends and family there? I don't ask others opinions. Only YOU.


TSHaiwelcome
post Yesterday, 11:13 PM

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QUOTE(Babizz @ Nov 26 2025, 02:15 PM)
Will you move to other town with no friends and family there? I don't ask others opinions. Only YOU.
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Why not?
Why u r so afraid of moving to other places?
Well, first of all, the first choice always gonna be your hometown, the states where u were born and raised. Most likely when u retire your parent no longer around, but off course u still have families or extended families there or childhood friends. Places where u have that sense of belongings.

Or the second options, towns within 1 or 2 hours from Klang Valley, easily accessible and reachable. It wont make much difference like living in Klang Valley. Imagine u live in Port Dickson or Bentong, or maybe Nilai or Sekinchan. Why not? U live in KL u also u dont really know your neighbour what. 😝

Singaporeans buy retirement house in Johor or Malacca or KL or Penang, do they have friends and family in those places? In foreign land some more.

This post has been edited by Haiwelcome: Yesterday, 11:27 PM
TSHaiwelcome
post Yesterday, 11:23 PM

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QUOTE(Afterburner1.0 @ Nov 26 2025, 09:46 AM)
Property does not make u rich ! it helps maintain ur wealth for generations to come..... when stocks markets tanks, u still can collect rental.....it s long term game plan...
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properties once make u rich. Those bought in the 70s, 80s and 90s, even in early 2000s.

But not anymore. The bubble already burst.

Btw, how long u gonna live physically fit? Life is not that long u know. By 65, u already old. By the time u will see some significant price appreciation on your properties, u already old.

Next generation, let them figure out by themselves lor how to get their own properties. Dont spoil them by silverspoonfed them with everything. 😝 Our parents also dont inherit us with free properties , yet we can survive and most importantly learn to survive.

This post has been edited by Haiwelcome: Yesterday, 11:49 PM

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