support@kopiandproperty.com

Advertisements

Advertisement Banner

Category: ABCs of Property Investment

shallow focus photography of keys
ABCs of Personal Finance

Personal Finance 101: We should aim at minimum RM600,000 if our intention is not to own any property

These days, there are many personal finance experts in the market. Some do video, some write and somehow for many of them, their advice is always to skip property investment. Erm… Let me tell you this fact yeah. If someone says they are a personal finance expert and are giving personal finance advice about all other investments except for property investment, then it’s important to note the numbers below which will without any doubt affect anyone without a property of their own.

Read More »
woman wearing white top drinking beverage from white ceramic mug while lying on sofa inside well lit room
ABCs of Personal Finance

Are we living comfortably? Look at Median Age, Median Income, Median Rental.

This is why if we like to understand if people are living comfortably, do not look at just the average income and then converting that into some other currency (Like from SGD to RM) and then laughing at the country where the currency is weaker. The fact is that average income would include the income of a senior manager and a cleaner and averaging them both tells nothing about both of their lifestyle and comfort. So, our focus is median income.

Read More »
person holding car keys and bottled water
ABCs of Property Investment

Property Investment 101: Interest Rates must interest you too

When rates are cut, it means our Bank Negara Malaysia would like to encourage consumption, spending, investments into the economy. With lower rates, people would be tempted to buy a property, perhaps buy a new car, maybe start a business etc. In other words, lower interest rate could start a potential multiplier effect. The only reason why this could be needed is that there are signs that the economy is slowing down. Maybe the numbers have started to stagnate? Maybe the numbers are showing a slowing down of growth.

Read More »
ABCs of Personal Finance

Property Investment 101: Calculating the ROI on your property investment when you sell

I was happily listening to YouTube music for free when an ad with a PAID video started and it was someone sharing why we should invest into the stock market and avoid property investment. He (the person in the video whom I do not know who) said property investment return is low and it’s also slow and thus when we think of property, it should just be for own stay purpose.

Read More »
woman streching her body
ABCs of Property Investment

Convert leasehold to freehold. Somehow response is ‘lukewarm’?

If the government allows you to convert your leasehold land to freehold, would you be rushing to the land office like right now? I am very sure many would be jumping with joy and quickly make the necessary arrangements (including preparing money for the conversion) and then quickly go and queue at the nearest land office, correct? Erm… not really. There was this ‘offer’ to convert but the landowners seem to be still taking their time to think if it’s worth doing it. The Menteri Besar is not too happy and has informed that this offer may not be extended yeah.

Read More »
eyeglasses near notebook and metal key
ABCs of Property Investment

Property market 2024? Transactions and Prices, Up or Down yeah?

According to the chart, the total transactions are actually growing. In fact it is only growing slowly from 2022 to 2023 and from 2023 to 2024. Some can interpret this as a recovery. Some could interpret this as positive for the property market. Some could also interpret this growth as a very slow growth. My personal interpretation is that the market has not reached the attention of enough buyers. In other words, a lot more potential buyers may not know that the total transactions has started to increase.

Read More »
centerpiece on coffee table beside sofa with three pillows
Affordable Properties

Malaysia Makes Progress on Affordable Housing: IQI

New data from IQI reveals that Malaysia is an ASEAN leader in successfully expanding access to affordable housing, according to new data compiled for the first time by IQI and released today by the company’s Co-Founder and Group CEO, Kashif Ansari.

Read More »
interior of children bedroom with wooden furniture and toys and globe placed on shelves in room
ABCs of Property Investment

Can property price in my area keep rising?

Good news for some owners I guess when they read this piece of news. “Klang Valley property prices up 3.2% in 2024: Upscale neighbourhoods in Batu district lead the way.” Klang Valley is huge of course and maybe not all areas may show prices rising. In fact average number do not reflect anything much yeah.

Perhaps some areas are showing double digits increase and some areas are showing low single digit price increase. Perhaps some are even showing a negative number; prices are reducing every passing year. Anyway, let’s look at what the media says.

Read More »
white and gray bed linen
ABCs of Property Investment

Property Investment 101: REIT aka Real Estate Investment Trust can be trusted?

Too many people have told me that property investment is too risky. They also have no time to read so many articles in kopiandproperty.com and it just take too much time and effort. They are right. Property investment, if we want to start does require a big capital. Please do not believe to much about no need downpayment etc. That downpayment has to come from somewhere. Usually, it comes from the buyer, somewhere and somehow even if the buyer did not have to fork out that downpayment. 

Read More »
person putting coin in a piggy bank
ABCs of Property Investment

Property Investment 101: Just get ready a minimum of RM600,000 if you do not like to buy a property. Period.

These days, there are many personal finance experts in the market. Some do video, some write and somehow for many of them, their advice is always to skip property investment. Erm… Let me tell you this fact yeah. If someone says they are a personal finance expert and are giving personal finance advice about all other investments except for property investment, then it’s important to note the numbers below which will without any doubt affect anyone without a property of their own. 

Read More »
close up of keys
ABCs of Property Investment

Property Investment 101: 7 reasons why we will fail to buy a property

Not everyone loves to buy a property. Many of my friends remain “propertyless”. Many of them are doing fine and I think with or without a property, they are able to earn enough even post-retirement. In fact one have earned so much that she has retired a few years ago and she was not even 50 then. One failed to get a refinance recently despite showing the bank that she is the owner of three fully paid properties. Reason is because she does not have a stable salary. Well…

Read More »
happy couple holding and showing a house key
ABCs of Property Investment

Property Investment 101: Mortgage is RM2000 and rental is RM2000. Rent or sell?

The first thing we need to know if we intend to sell a property is why do we want to sell in the first place. We may need to sell because we need the funds to do other investments. Maybe there’s an undervalued property at an irresistible price. So do go ahead and sell. However, there are people who may think of renting out the unit for a very long time. Their reasoning is that the tenant is paying for the property anyway, why bother to sell? I have done both and I think it’s a decision we will have to make once we have those goals in mind.

Read More »

join the family

Like us for daily investment news and more

Hit the like