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

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

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.

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

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.

Based on USJ 10, Taipan example .....

If loan sum is 2,660,000 (70 %), for 20 years @ 3.5 % pa .... monthly installment is 15,427 per month.

25,000 - 15,427 = 9,573

9,573 x 12 ÷ (1,134,000) ÷ 100 = 0.10

1,134,000 is the down payment for the shop. His dp ROI is 10%..

Any reason why the landlord should invest his cash elsewhere or are there better alternative investments ?

Property investment is about LOCATION. Do your homework and don't follow the herd. The more 'investors' don't go in, the more one has to do the maths. Just dont look at RM4 mil and say why so pricey, tak faham, UNLESS maths says otherwise.

Don't say rental cannot cover instalment B4 doing the maths.

Maths Don't Lie. 🤑

[attachmentid=11517191]