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Category: Basics – Property Investment
Affordable Properties

The Hidden Crisis: Young Homelessness in Urban Areas

Once upon a time, I had to wait to catch an express bus from Johor back to KL and it was delayed. I waited for many hours until wee hours in the morning at the bus station. It was so tiring, yet I could not really sleep as I have my luggage with me and I do not feel safe enough to sleep. Walking is not an option, I was tired. Sitting is not an option, I was tired. Sleeping is not an option because sleeping while being seated is so rough and tough.

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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.

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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. 

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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…

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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.

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man in blue dress shirt standing beside woman in blue dress
ABCs of Property Investment

JPPH: 3Q 2024 has highest residential property transactions in 10 years!

Until today, I continue to have many friends who continue to tell me bad news about the property market. Too many high-rise units… (as if developers can keep building landed units and price them affordably), surely the price is not sustainable…(as if everyone has bought overpriced properties like some people), that area is too far away… (as if Greater Kuala Lumpur’s population is no longer growing) and many more amazing reasons but I want to say that a better way to know what’s really happening is to look at the residential property transactions.

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black light post near tree
Basics - Property Investment

Latest Happenings for UK, Australia, Hong Kong and Singapore property market. Prices are Up or Down?

People ask me what is happening to the local property market. Beyond just our property transaction numbers (which is high and rising), I tell them to look at what’s happening overseas for their reference. If all the advanced property markets are now showing that no one wants to buy a property, then that would also be happening in Malaysia in the near future. If you know of such markets, please do let me know too. I would like to read more as well.

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house key on the people s hand while standing next to each other
ABCs of Property Investment

Owning a 236 sq ft unit still better than paying never ending rental, right?

In a property market where both property price and rental is high, a good option may be to buy a unit to ensure some parts of the money we pay every month belongs to us instead of all 100 percent going to the home owner. A good option does not mean everyone would do it because sometimes, when the rental is just not high enough (because there are many desperate condo owners) or that property price is still reachable (so I can wait first lah), then people will rent lah.

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crop woman taking notes in clipboard near carton boxes
ABCs of Property Investment

Transactions for residential properties increasing. Is your home one of them?

This trend was one-off and total residential property transactions has breached 120,000 units for H1 2024. Perhaps this is also showing the confidence of the people with a rising ringgit, a lot more positive news about data centers, new FDIs etc. Plus the fact that Bursa Malaysia has also been doing pretty well due to the participation of foreign funds too. If we compare H1 2024 to H1 2022 instead, the increase is lower than 6.1 percent (versus H1 2023) but is still a positive 4.98 percent.

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