Aug 18 2025, 07:10 AM
QUOTE(funniman @ Aug 17 2025, 09:18 PM)
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.
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?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.
This post has been edited by kidmad: Aug 18 2025, 07:10 AM
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