Buying property is all about location, location & location
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 Oct 14 2025, 03:06 PM
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#1
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Senior Member
3,557 posts Joined: Sep 2005 From: Shenzhen Bahru  
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Oct 14 2025, 08:33 PM
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#2
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Senior Member
3,557 posts Joined: Sep 2005 From: Shenzhen Bahru
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QUOTE(jpaul @ Oct 14 2025, 05:13 PM) 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. 8k rental for RM1.8 mil property not worth if take bank loanI 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.  If RM800k property no brainer |
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Oct 15 2025, 03:01 PM
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#3
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Senior Member
3,557 posts Joined: Sep 2005 From: Shenzhen Bahru
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QUOTE(jpaul @ Oct 15 2025, 02:00 PM) 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). Because the yield is low. That's allMy 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? Some more you need to top up every month To cash out within 5 years, are you confident the commercial property can hold the value or appreciate? If taking bank loan, you are paying interest only the first few years |
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