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Category: Basics – Property Investment

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Basics - Property Investment

Maybank Investment Bank Bhd: Property market is now positive and not just neutral

Now, we have another major or I should say biggest investment bank who has the same opinion based on all the research and data analysis which they have done. Let’s face it, there’s no way people could come up with this conclusion except that they have spent a lot of time analysing and get second opinions and then look at all the market trends and maybe more and then only they decided that they want to change their assessment of the property market from neutral to positive.

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ABCs of Property Investment

8.8 million population has been reached! (what an auspicious number indeed)

We are talking about the city which I have made my home 11 years ago; Kuala Lumpur. Every time someone asked if I miss Penang since I have worked there for 15 years, I told them a firm no. It’s not an apple to apple comparison yeah. Penang is a great place for engineers for example. However Kuala Lumpur attracts diverse companies and thus provide a lot more diverse job opportunities.

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close up photo of survey spreadsheet
ABCs of Property Investment

HLIB Research: Property upcycle has started

I am someone who does not believe too much about buying properties based on the cycle. I don’t know when is the lowest point and I certainly would not know when is the highest point. I am very sure when I bought a property way back in 2007, I did not know that the upcycle would be coming in 2008 and it will continue until around 2013.

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brown wooden gavel on brown wooden table
ABCs of Property Investment

Property auction market is attractive. Help buyers to buy auction properties.

I have not bought any auction properties before. I do think if the price is right, then property auction market is a good hunting place too. Especially for the ones with deep reserves of cash. I have been to countless of property auctions and have seen properties without any bid and properties where the bidding went up to even beyond the market price. Maybe there’s something special, maybe it’s emotion but it’s always interesting to sit inside a room full of bidders, especially for some selected super undervalued properties.

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man in black t shirt and gray pants sitting on bench
Basics - Property Investment

122,000 homeless every night is a reminder that everyone needs a shelter

Study hard, get a good job and earn a good pay and then buy your own home was an advice by my parents when I was younger. I think that’s a very good advice and I bought my first property when I was 26 years old. That’s like 21 years ago. Small 730 sq ft apartment it was (bought at RM123,000 and sold at RM225,000 many years later) and that was the time everything started for me in my property investment journey.

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person with keys for real estate
ABCs of Property Investment

Khazanah Research Institute (KRI) says Build-and-Sell is better for home buyer protection. My say?

Firstly I think if I am a buyer and the developer has fully completed my unit before I decide whether to buy, that’s going to be a huge plus for me. Build-and-sell may protect buyers in the sense that they will actually know what they are buying. However, this can also happen if the buyers buy from the secondary market too. These days, there are many secondary properties which could be purchased for around the same original price or sometimes even lower if the original price was overpriced to begin with.

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interior design of home
ABCs of Property Investment

Property Investment 101: Falling Average House Price in Q1 2024!

Home prices are falling lah. Especially the high-rise units. Only the landed properties will always be increasing in price lah! Yes, I hear all these statements all the time and it does not change my views much. How I invest remains the same and how others invest is up to them. As long as everyone continues to do well in their investments, I am already a happy man. It does not need to be that I am the only one whos right. Everyone can be right!

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cheerful couple hugging and unpacking carton boxes
ABCs of Property Investment

Maximum rental increase only 5 percent BUT…

I read this earlier but I was also guilty of not reading the details. When I first read this news about rental increase, it says that current President of the United States, President Biden will call for a limit of 5 percent to the annual rent increase. The reason is because many voters are struggling with high rental and they need help as soon as possible. Actually, if they say they want to cap at 5 percent, it meant that without this cap, the increase could be much higher!

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black home area rug
ABCs of Property Investment

Property Investment 101: Think of the 4Ps when it comes to buying a property

The first question that comes to mind before anyone buys their very first property is where to buy. That’s the reason why the mantra has always been location, location and location. One strongest reason for thinking location first would be familiarity. We already know enough about the neighbourhood to be able to make an objective assessment. Have we however wondered about they ‘why’ for the location? What was it which attracted us in the first place? If the answer is that we want to stay close to our parents and they love the neighbourhood, then there’s no need for any other reason.

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woman calculating her receipts
ABCs of Property Investment

Which rose faster, inflation or the house price?

How true is this statement, don’t you wonder? I think some time back, I wrote that I am okay with home prices rising just 1 percent every year! At the same time, inflation can rise by 3 percent every year. Want to see this in number? How much do we spend every year?

Based on a typical RM5,000 salary, that’s RM60,000 per year and inflation of 3 percent means a reduction of the value of this RM60,000 by RM1,800. Meanwhile, a RM500,000 home rising at just 1 percent per year is RM5,000 yeah. This is why property is often mentioned as the best hedge against inflation.

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a woman signing a document beside a man
ABCs of Property Investment

Property Investment 101: Rental does not stay the same every year

Many people continue to tell me that renting is cheaper than buying. Their argument is very valid too. If they chose to buy, the price could be RM500,000 and they need to pay RM50,000 for downpayment too plus the monthly repayment is RM2,214 (image below). All these are much higher than if they just rent and the rental could be bwteen RM1,600 – RM1,800! Lots of savings, right?

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