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 Buy Property or Good Stocks or FD Interest

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jpaul
post Oct 14 2025, 05:13 PM

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QUOTE(KronenZerg @ Oct 14 2025, 04:38 PM)
Yeah . .looking for passive income.
What doesnt make sense to me is the ..spending RM400K, but rental is merely 2K/month .. take how long to get back the ROI, except the property is mine and hopefully appreciate in the future to offset the inflation.
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I’m in a similar situation. Still undecided whether to invest in a commercial property (with a 25 year bank loan) or continue with fixed deposits, ASMs, and stock investments.

I found a commercial property project priced at RM1.8M (nett), with surrounding projects fetching rentals of around RM8K± per month.

Appreciate your thoughts or advice on this.
jpaul
post Oct 15 2025, 02:00 PM

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QUOTE(knwong @ Oct 14 2025, 08:33 PM)
8k rental for RM1.8 mil property not worth if take bank loan
If RM800k property no brainer
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I calculated, need to spend around 150k for downpayment + under construction interest + MOT. Monthly rental should able to cover bank installment (or top up around 1k monthly).

My plan is to hold around 5 years then can cash out for my kids education.

Appreciate if you can share why you think 8k is not worth to invest?


jpaul
post Oct 17 2025, 08:57 AM

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QUOTE(rx330 @ Oct 16 2025, 04:53 PM)
I assume this is not ready then, shud be brand new units still under construction

most ppl have this mindset rental cover installment, frankly if your rental pays for your interest , good enough, anything else is a bonus, rest monthly top up take it as saving
5 years later when you sell it, the saving goes back to you as well

I have just recently purchase something about that pricing incl MOT and misc, rental is about 6k plus for now
as mine is subsale, the total upfront is 2.5x of yours
personally commercial has better chances as compare to residential/condo, just that the starting price much harder for most

hopefully by the time its  CCC, your rental may go upwards or stagnant
If the value of property yield is higher than rental, then sell it, if not just collect rental as normal
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Thanks for your sharing.

Yes, the one I aiming is an under construction double storey shoplots.

The unit is fronting main road with high traffic, hence the price is higher.

Mind to share how your experience managing the tenants and unit maintenance?

 

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