Saw a shoplot at Kepong Baru asking for 4M plus...

If one were to put that amount in EPF, with 5% per annum dividend, easily 16K a month...No headache and no hassle...

Tis assumption is for someone buying it in cashi

Even so investors r banking on the fun of rental play while having dopamine when the value appreciates

Most ll go with loan so there shouldn't b a fair comparison of having 16k a mth fr epf

M2c

Rental play can be a nightmare....it aint fun...sometimes rosy, sometimes not that rosy..

If only you can transfer that amount in and out easily from EPF. But in reality, you cannot.

If you got RM4m, why pay for a shophouse and hope to get rentals?
It is only you got RM500k, borrow from bank to buy and hope rentals can cover payments. Many people forget the money they borrow from bank to buy is not their money. Their actual money is the downpayments, so returns shld be based on that.

how many rental should owner charge only can cover the loan?
crazy

Property investments seldom suits the "faint-hearted". The 'good and far sighted' will turn shit to gold and vice versa.

How a well known far sighted developer turn a remote land some where after Kajang to gold for himself and took majority to Holland. 🫣

Industrial and commercial property investments are for those with strong holding power. Stick to residential first before jumping into the ocean. Many big sharks out there.

why so many fail to understand this? Property is one medium of investment where you can actually get credits/loans for it. They fail to understand, the person who had 4m most likely paid a 800k (commercial requires at least 20% DP) down payment took a 3.2m loan for these kind of investment. why using your cold hard $$$ to pour all in?

This post has been edited by kidmad: Aug 18 2025, 07:10 AM

Everyone can borrow to maximum. Wait till one have to pay monthly payments when there's no tenants. It is not RM2k but RM20k per mth. If brave, by all means dive in.

If you meet certain criteria, you can withdraw..of course it wont be as easy as your savings account...

Yupe, this is solid advice....especially industrial property....I have seen owners asking for the company profit and loss statement before agreeing to lease it out....We are talking about rental exceeding 15K a month ...

Think can only for 1 housing loan only but not commercial property loans.

Many unexpected expenses in factory investments:

Factory repairs (often factories are not built like houses). Roof leaks or roller shutters are common problems.

Tenants usually got partners. It is not tenant company not making money but partners quarrelling resulting in no payments. Sue also no use. You don't spend good money to chase after bad money unless it is mega sums.

Tenants usually do modifications to install their machineries. Repair cost to factory floor cost a lot more than just utilities deposits.

Shophouses also have similar problems.

Headache....

This post has been edited by funniman: Aug 18 2025, 07:48 AM

As posted earlier, only for those with 'stainless steel balls' 😅

Industrial property only have four sides, 1 or 2 toilets and a roof 😂

Most new tenants of industrial or shoplot will take tenancy condition as it basis. Tenant will do whatever reno and to comply with local authority guidelines.

Husband and wife don't quarrel or divorced resulting in no rental payment ? Residential tenants dont lose job, hence no rental payment ?

This post has been edited by mini orchard: Aug 18 2025, 08:20 AM

"Most new tenants of industrial or shoplot will take tenancy condition as it basis. Tenant will do whatever reno and to comply with local authority guidelines."

And after they left, who is going to clean grease floors, pull out all wires or fill up holes? Or redo industrial floor coating? And it is not cheap at RM50k easily.

Security deposits will depend on tenants renovation, not just the std 2 + 1 ya. Knocking down shared wall will require more deposits.

Industrial, commercial and residential rental are not the same. Don't lump them as one.

Why only think of grease floor just because is industrial ? Cannot use as showroom ? Warehouse can boh ? Don't know how to choose tenant ?

Old tenant leave, new tenant go in ... same as it condition !

Landlord touch up or repaired, new tenant tear it down !

Haizzzzzz 😭

This post has been edited by mini orchard: Aug 18 2025, 09:31 AM

I am saying you can withdraw the EPF dividends from yr account if you fulfil certain criteria....

Commi n ind tenants ll hav an additional clause in deposit under restoration. The amount depending on how much the rental is. Some x1 some x2. Genuine biz ll not argue. Those who argue can just filter out. Not a serious issue here.

However, under landlord part it's a massive amount to do up if the structure is facing some issues eg leakages. Yes just 4 walls but the height depth is a killer if doing up waterproofing which is pretty common.

Industrial and commercial property rental yields already cannot justify the cost/loan. This also applies to landed residential. There are better investments out there. In the past, it used to be that residential condos rental could cover instalment (in the early 2000s the yield could be 8% p.a.). Nowadays general rule is rental yield cannot cover loan instalment (for all types) unless you put in bigger downpayment.

The benefit of property investment is that you can control an asset worth much more for just 10% - 20% downpayment of your own money and leverage with loan. Like a youtuber said, property investment will not make you rich, but its for wealth preservation.