我和女友终于买了公寓和排屋 (柔佛版）

Bobowaah

jtee0216 发表于 27-4-2016 10:24 AM
买under con最大的风险就是停工。请问你朋友买哪个project的啊

他之前买的是还没有launch的project来的，不知道是哪一个发展商来的。因为他是Architect，所以在发展商还没开始launch这个project的时候，就先开放给所有的consultants (architect, engineer, QS 等），谁要book的可以先下订选单位，付10%的头期（那时S&P在准备当中），consultant的价格有优惠。我朋友的老板公司加员工总共买了10间。过了几个月，那发展商决定不要起了，把地卖掉给另一个发展商。所以中招的都是consultants们。1年多了，都还在追讨，还没拿回钱。

yoke2312

jtee0216 发表于 26-4-2016 09:36 PM
哈哈不会。大家也不必羡慕我。我只是普通员工, 平凡tom dick and harry一个。我们大家都是平行生活。你不懂我我不懂你。所以才能在这里分享意见,往往现实生活考虑到种种因素很难和人家分享。

当我和我女友说 ...

Get a FREE CAR today by owning a superlink from an award winning developer NOW! A gated and guarded community in Puteri Harbour, Iskandar Puteri. Price is from RM1.3m with attractive packages awaits you today!


你的有免费车吗？？？人家1.3 就有了
buy a house get a free car

jtee0216

yoke2312 发表于 28-4-2016 07:40 PM
Get a FREE CAR today by owning a superlink from an award winning developer NOW! A gated and guarded community in Puteri Harbour, Iskandar Puteri. Price is from RM1.3m with attractive packages awaits ...

我的什么都没有。只有free sunway 免费parking而已哈哈。

应该是estuari garden. Minimum 1.1m for link, minimum 1.6m for superlink. 我看来应该是superlink才有车吧。而且他们讲送车其实是有包括在purchase price里面了吧或者是抽奖。应该要去看看了解了解先。有时写的跟讲的都不一样。看来只有抽奖才能拿到车。

那里环境非常不错!!!!你应该去看看!!!!照片是我在人家fb找到的。

gugugu8

yoke2312 发表于 21-4-2016 12:51 PM
那么多人说空房产不怕给gugugu8 说吗
@gugugu8
@科学就是未来

不是空空我就扫，我专扫自大狂的的空空。

如果还没有扫到，是时辰未到。

近走低飞

你已经陷入负资了。

jtee0216

近走低飞 发表于 30-4-2016 09:40 AM
你已经陷入负资了。

大大有什么建议吗？

gugugu8

有屋子的人等到没有屋子的人有了屋子后才问他们建议，也不迟。

kalumpang

I admire LZ personality and character.

Hardworking, independent, courage,decisive and caring.

These are the characters that will make one success in whatever they do and desires.

Optimism is not forbidden.

You make a right call to buy the landed house in Sunway Iskandar.

But please allow me to share my opinion on your other choice of condo in Larkin.

Rental yield in Larkin is the best, if not the super  excellence in JB. But it only limited to medium and low cost apartment whereby generally you can get at least 5% annually. Hence high end condo will have difficulty to rent out in Larkin due to over supply, renter will prefer in better location in downtown instead of lower class in Larkin.

Rule No.1 in investment : Do not loose your money.

Always put yourself in safe and comfortable zone.

But obviously LZ has already broke the rule even before  collecting your house key.

May I suggest LZ let go/give up on your Larkin investment because it has became a toxic investment for your portfolio and it will drag you down to the big unknown and darkness situation.

Continue to hold the landed, move in to the house together with your girlfriend and friend. Save more bullets for future commercial property.

Learn how to crawl before walk, learn how to walk before run.

edwardwee

為什麼你不要租給附近的學生呢？ 收益可能會大一些

nothing01

kalumpang 发表于 6-5-2016 09:50 AM
I admire LZ personality and character.

Hardworking, independent, courage,decisive and caring.

These are the characters that will make one success in whatever they do and desires.

Optimism is ...

大大,你看好那一区呢?~~

jtee0216

kalumpang 发表于 6-5-2016 09:50 AM
I admire LZ personality and character.

Hardworking, independent, courage,decisive and caring.

These are the characters that will make one success in whatever they do and desires.

Optimism is ...

hi kalumpang,

first wants to thank you for the compliment, im just a ordinary guy who wants to learn more in property.
also thanks for the enlighten, i think i should review my investment plan after seeing your comment. i will be apppreciate if you can further advise on the below queries.

1. rule no.1 investment: do not loose your money, stay in safe zone. as there will be massive supply incoming 2-3 years. for the  high rise price in downtown, none of them has less than rm1000 per sqft. i foresee the rental in downtown would be more worst as local are not able to buy for that. most of them are foreign investor who are desperate rent out or sell their unit. most probably has only generate 3-4% rental return. compare to larkin condo which most of them is bought for self-stay. neighborhood area is around 400-500 per sqft, and rental return is in 5% which i think that is more in my safe zone as i couldnt find any property which is offer more than 6% rental income in the market now.

2. larkin condo: i have to admit that the larkin condo isn't generate good return for me in both short run and long run. i believe that there is more property is better than larkin condo. i have overlook the fact that there are very less development in larkin which will increase the property price. the one that buy me in is the mb mall just at right opposite the larkin condo. is just under construction and will finish in 3 years. nevertheless, i will keep observe the larkin condo and see hows is the mall being develop. my current plan is stick to it if it has 5%-65 rental return. if it is less than that, last resort will be sold after the mall has top.

3. what is your view for sunway purchase. we dont have intention to stay there as the traffic is getting worst at kastam. it would be more inconvenience for us to travel in and out as we are in office working hour. btw, i find sunway has more potential than other project in long run, problem is i can only foresee rental of  3% (rental rm3000, instalment rm6000) at the moment. since its offer only 3% rental return, why would you say thats a good investment.

4. i intend to buy shoplot in the first place, unfortunately bank did not approved my loan giving the reason of too risky for first investment straight go to shoplot. any advise on the purchase of commercial property? anyway my final plan is still in the commercial property, thinks has to start to learn from now, and guess the time will be coming very soon. 一房养全家，一铺养三代 haha

5. How to justify the rental return rate. As one take 100% loan and other one take 90% loan. Are we always taking the total purchase amount but not loan amount? How about management fee? Do we need also to deduct in the rental received?

(this is the most important query!!)
6. what is your experience on property purchase, as it is hard for me to look for 6% rental return. but i learn that everyone here is getting it, some even 10%. whats need to be concerned on such property purchase. i mean how can we find such hidden gem.

i appreciate if you can further advise, thank you very much, kalumpang.

亚洲航空

房产在11年开始到现在16年，翻了一倍。。。。


如果在接下来的5年， 再翻一倍。。。LZ 就是人上人了。。。


富贵险中求。。。。。。

小蛋

亚洲航空 发表于 6-5-2016 03:30 PM
房产在11年开始到现在16年，翻了一倍。。。。


如果在接下来的5年， 再翻一倍。。。LZ 就是人上人了。。。


富贵险中求。。。。。。

以目前新山的市场环境来看，应该不可能在5年翻倍了。现在的供应量我真的没眼看。

天秤座的我

恭喜！你们也太强了吧

by the way,我想问问，你和女友一起买房产，都是一起joint name借房贷吗？我想问问如果还未婚姻注册的话，可以一起联名借loan吗？

我男友也是和你一样在新加坡公司上班，所以没有大马KWSP资料的 因为不是小新公民，所以也没有新加坡EPF户口，那我们借loan那方面会有问题吗？

jtee0216

天秤座的我 发表于 6-5-2016 04:54 PM
恭喜！你们也太强了吧

by the way,我想问问，你和女友一起买房产，都是一起joint name借房贷吗？我想问问如果还未婚姻注册的话，可以一起联名借loan吗？

我男友也是和你一样在新加坡公司上班，所以没有 ...

hi, 我们是Joint name. 未注册是可以一起Joint name的。
你男友每年都会收到IRAS 的income tax statement的。
用那个就借loan那方面没问题

天秤座的我

jtee0216 发表于 6-5-2016 04:59 PM
hi, 我们是Joint name. 未注册是可以一起Joint name的。
你男友每年都会收到IRAS 的income tax statement的。
用那个就借loan那方面没问题

谢谢你啊！我问问他是不是有收到相关文件

jtee0216

天秤座的我 发表于 6-5-2016 05:17 PM
谢谢你啊！我问问他是不是有收到相关文件

不客气， 叫他申请singpass。以后就可以自己上iras网站download了

天秤座的我

jtee0216 发表于 6-5-2016 05:19 PM
不客气， 叫他申请singpass。以后就可以自己上iras网站download了

好的！谢谢你的提醒哦。。。 刚问过他，幸好他也是有收到IRAS income tax statement。。。。

亚洲航空

小蛋 发表于 6-5-2016 03:47 PM
以目前新山的市场环境来看，应该不可能在5年翻倍了。现在的供应量我真的没眼看。

楼主都买了。。。。。。。只有祝福他了。。。。。
如果他们工作稳定。。。每个月收入定定。。。可以供期。。其实问题还是没有很大的。。。

kalumpang

jtee0216 发表于 6-5-2016 02:51 PM
hi kalumpang,

first wants to thank you for the compliment, im just a ordinary guy who wants to learn more in property.
also thanks for the enlighten, i think i should review my investment plan a ...

You have done your home work very well, and you have actually answered some of your questions. I will just add in a little bit of my humble opinion.

1. Your assumption of 5% rental yield for your condo is based on ' ideal scenario '. The reality is the whole jb rental market is trending down now and will continue to do so for the next few year. You might need to fully furnished your unit just to get 3% yield 3 years later.

2. Many shopping mall are coming up in the next few years as well. Competition are stiff to get regular customers. There is no guarantee MB will manage the mall in good condition. MB is reputable in building low and medium cost apartments, they make their name by reviving many abandoned projects, not managing shopping mall. For sure i won't hold on to a property that is depreciating in value while paying interest to banks,  doesn't make sense and cents to me.

3. Sunway beat MB anytime, no horse run. Landed house has the unique ability to hold value even during down time. The same cannot be say to leasehold condo.

4. I have to agreed with you on commercial property. Its one level up of the game. Business owner do not like to relocate to other place once settled down hence more stability to property owner. 一铺在手，一生无忧。

5. Gross rental yield = total amount rental collected.
    Net rental yield = rental amount minus off all the
    expenditure ie : quit rent, repairs, maintenance fee,
    insurance etc.

6. Rental yield is base on your total purchased price. The earlier you buy the higher you get the yield now. At the current market there is no way we can get rental yield of 6% and more. My experiences of property investment has nothing to shout about, still working hard to learn the trade even after 10 years.