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Category: ABCs of Property Investment

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ABCs of Property Investment

Property Investment 101: Here are 5 reasons why buying a property is always very challenging (then, now and future)

As soon as someone said that property market is challenging, many potential buyers would tell all their friends that they are waiting for the property price to fall lower. The price has to be right. When asked what’s the price they were waiting for, the answer is usually they have no idea yet but they will make a decision as soon as the property price falls to a level they want. Decide lah, which level… is the level?

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KL Wellness City
ABCs of Property Investment

KL Wellness City (KLWC) – 9 Important Things We Need to Know

Malaysia is a very popular destination for medical tourism. In 2019 alone, Malaysia received 1.3 million medical tourists. (Info Source: mhtc.org.my) It means non-Malaysians travel to Malaysia to get great medical care and doing things a tourist do as well. Visiting interesting places, eating amazing food and enjoying the sights, sounds and our beautiful country.

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black home area rug
ABCs of Property Investment

Financial news: Harder to buy a property today or a long time ago?

There was a time when depositing RM1 million in the bank as Fixed Deposit will gain the saver 8 percent of interest if not higher and that means this saver could get a monthly interest equivalent to RM6,667 per month. This is the typical salary of a M40 household. In other words, it’s actually possible to take it easy once we have managed to save our first RM1 million. RM6,667 is not a lot of money but certainly enough even for today’s typical expenses per month. I know, it’s much harder to get RM1 million then because the salaries are lower.

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photography of barrel wave
ABCs of Property Investment

Property Investment 101: Property Investment cannot be fast and furious please.

I hate it when property market transactions rise because people were thinking that the next rush is coming and they fear of missing out. As everyone is now buying with a specutive mindset, the price is no longer the focus. Everyone thought the price will be ever higher when they sell in the future. It’s as if there’s always a better price tomorrow! Haha. Stop believing this kind of fairytale yeah.

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cement flowing at construction site
ABCs of Property Investment

Financial news: Property prices after taking out inflation. Which countries are up, which are actually down?

Everytime I hear people say property is just too expensive, I am not sure how to say how pitiful some people in these countries where the property prices are rising much higher then inflation are feeling. Then again, it’s comparative because people would then say but the ringgit is down so much. When pointed out that ringgit has not moved much against most currencies and in fact is better than some advanced country currencies, they would tell me they don’t believe there’s such a thing. Whatever lah.

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exited diverse couple relocating in new apartment
Renting News

Renting News: The decision of whom to rent to is with the landlord

A potential tenant, a husband and wife came to view my 730 sq ft apartment with a real estate negotiator (REN). After they have viewed the whole unit, the husband said to me. “I think your unit is okay. You know, most of the units I have viewed are asking for RM500 – RM550 rental per month.”

“Okay” is not the word I am too happy to hear. Benchmarking a fully-furnished unit (because I moved out) versus some empty units around the area is also not something logical to me. My reply to them in front of the REN is something like this. “Actually if most of the units you viewed are already at RM500 – RM550, I would suggest that you choose one of those units. If I am you, I would not come and view this RM650 unit.”

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slender woman resting in hammock under glowing garlands
ABCs of Property Investment

Property Investment 101: Every 1% increase in interest rate means how much extra repayment per month?

Whether it’s the U.S, or Australia or even the UK, the central banks of these countries have been increasing their rates. Generally, they say it’s to fight the rising inflation. Briefly, when too many people are spending too much of their money and the prices moved up too fast because too much money chasing too few goods, the central banks will increase the rates. People may prefer to keep their money versus spending it since they will get higher returns. Theoretically, that’s what they say.

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white concrete building
ABCs of Property Investment

Property Investment 101: Are you sure prices would move upwards?

I have been asked this question many times. Maybe someone hope that if they ask me enough times, my answer to them may be a different one? Haha. “How sure am I that the home price will continue rising?” As usual, my answer is just look at all the more advanced countries than Malaysia. Stop thinking of Malaysia as a centre of the world for property. We are not. Not even close to that status. Most of our transactions are from Malaysians. As for answering the question about the potential for home prices to keep rising, let’s not write. Let’s just look at charts after charts. All are from tradingeconomics.com

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security logo
ABCs of Property Investment

Property Investment 101: You don’t pay, you open the boom gate yourself

For some housing areas, some residents may prefer to increase the security and thus perhaps a boom gate may be built and security guards would be hired to manage it. Yes, boom gates are allowed if the city council approves it. Meanwhile, it’s not easy to get every resident within the housing area to pay for the boom gates operation yeah. Now, perhaps it could get slightly easier? A court has just decided that if one does not pay, no one will help to open the boom gate yeah.

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living room area
ABCs of Property Investment

Property Investment 101: First Time Home Buyer and Stamp Duty Exemption

This was announced earlier but I think many may have missed the news because I do not read that many articles about firs time home buyers being super excited with it. Yes, this is definitely good news for many potential homebuyers. Not sure how many first time homebuyers were waiting for this extra savings when they buy their very first property. Please note that full exemption is only for properties priced RM500,000 and below only. This is valid until end of 2025.

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a person giving a bundle of keys to another person
ABCs of Personal Finance

Personal Finance 101: Property Investment is no longer necessary

Someone shared that investing into the stock market is easy. He showed many success stories. Someone shared that his crypto-currency is starting to show positive signs again. Someone shared that when it comes to the current situation, it’s best to rent because we could save more money versus buying a property. Renting may be RM2,000 but paying repayment for the same property could be 50 percent higher, or at least 20 or 30 percent higher. Everyone has their say because they may have achieved something positive and thus they are sharing what they know. I just like to ask three easy to answer questions.

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