Beli hartanah RM500 ribu? Baik menyewa sampai mati

all-dajjal

Buying a RM500,000 property? Better to rent, says expert
Robin Augustin | March 22, 2017
Property expert Ernest Cheong crunches the numbers and explains why it may be better to rent – rather than buy – a property these days.


PETALING JAYA: Thinking of buying a RM500,000 house?

A veteran property expert said for that amount of money, renting might be a more viable option given the price of properties and the rising cost of living.
“There is no shame in renting,” Ernest Cheong told FMT in a recent interview.

“People often say, ‘If I rent a house, for the next 30 years I will only enrich the landlord and after 30 years I won’t own a home’.”

Cheong said this was only true if a person could afford the monthly instalments for 30 years.

But even then, Cheong said, given the inflated price of properties and the rising cost of living, people looking to own a home shouldn’t rush into owning one because, in the future, they might have other needs such as their children’s education or medical expenses.

“Let’s look at a RM500,000 property as an example. Say, for that price, it is a 1,000 square feet apartment in Puchong with three bed rooms, with a rental value of RM1,500 a month.”

“One man, Harry, rents it for RM1,500 a month, and his neighbour Sally decides to purchase her unit for RM500,000.”

After 30 years, Cheong said, Harry would have paid his landlord a total of RM702,000 assuming that after every three years the rent was increased by RM100 per month.

Sally, meanwhile, would have paid RM50,000 for the 10% deposit required and taken a RM450,000 bank loan to pay the balance 90% of the purchase price.

“She would also have to pay around RM40,000 in stamp duty and legal fees.”

With a 30 year loan, Cheong said, Sally’s monthly repayment to the bank would be around RM2,734 per month.

“In 30 years, Sally would have paid the bank a total of RM984,240 (RM2,734 x 360 months) and plus the 10% (RM50,000) deposit and RM40,000 legal fees and stamp duty, she would have paid a grand total of RM1,074,240 for her apartment.”

Cheong, a chartered surveyor, said over the period of 30 years, the value of both properties might increase three-fold, but this might only be on paper.

“In reality, we are now seeing an oversupply of residential units and with the rising cost of living, can many people say with confidence that they can afford a bank loan repayment of over RM2,734 a month for 30 years? Or that the value of properties will go up as planned?”

In recent times, Cheong noted, it had been reported that EPF figures showed there were 14.5 million working Malaysians in the country, of whom 89% were earning less than RM5,000 a month.

Cheong said a lot could happen in 30 years, with children needing to go to college or salaries not rising in tandem with the cost of living.

“So in reality, renting may not be a bad option because it allows you to be flexible. Lose a job or need to raise funds? Move to a cheaper place. If you take a loan, you’re committed for 30 years. Sure, you could sell the place, but are you sure you can get the ideal price given the oversupply of properties nowadays?”

Cheong said if people couldn’t afford to repay their bank loan at any time within the 30-year period, they might lose all their money, or even be made bankrupt if they could not sell the property at a price sufficient enough to pay the balance of the loan.

This, Cheong said, was why renting a property – rather than buying one – was a viable option which people should consider.

http://www.freemalaysiatoday.com/category/nation/2017/03/22/buying-a-rm500000-property-better-to-rent-says-expert/


nie agenda halus sepet meracun umat lain supaya merempat di malaya   

stania83

Betul laaa harga sanpai 600k kat area jin bertendang. Monthly rm3k, dgn kos nak commute, total 4k. Baik sewa rm1.5k , duit lebih rolling buat benda yg menguntungkan yg lain.

Memangla kena beli rumah tapi kalau harga mahal merugikan. Kalau sewa area tu murah dari installmenf bank lupakan

airfilterkotor

Abih, pemaju nak makan apa?

Pasir?

pyropura

Kan aku cakap dari awal, cash is king, no need to be an ekspet to know that ...

alieyrina

Byr dekat bank pun skali ganda harga umah yg kita beli..

dinopower

stania83 replied at 23-3-2017 01:14 AM
Betul laaa harga sanpai 600k kat area jin bertendang. Monthly rm3k, dgn kos nak commute, total 4k. B ...

mslhnya dah tua nanti income tarak still menyewa?
dah la byr sewa tu byr utang owner.....
apa2 pun tak stuju....

wana89

Rumah ni untung.. boleh buat passive income meh..

imransulaiman

Itu perbandingan penyewa dan pembeli. Kira logik juga.

Cuba bandingkan pembeli yang menyewakan pula. RM1,074,240 - RM702,000 = RM372,240. Maknanya pembeli hanya membayar RM372,240 untuk rumah yang bernilai RM500,000 semasa membeli.

Kalau kira-kira aku ni betul lah

kentel

ikut poket lah...kalau mampu yang ppr, ambik jelah PPR...kalau mampu 500k, beli jelah 500k...

imthegirl

Baik beli tanah kat kampung. Dah pencen nnt dapat kwsp buat rumah kecik kecik je kat kampung

monreyes

dinopower replied at 23-3-2017 07:45 AM
mslhnya dah tua nanti income tarak still menyewa?
dah la byr sewa tu byr utang owner.....  
...

tepat sekali.....tua merempat...mesti beli rumah w/pun kecik...

yg propose tu harus ada byk property nak disewakan....

wana89

kentel replied at 23-3-2017 08:10 AM
ikut poket lah...kalau mampu yang ppr, ambik jelah PPR...kalau mampu 500k, beli jelah 500k...

Kan..
Ni wana setuju..
Ikut la kemampuan.. kat market bukan harga minimum 500k
Ada lagi murah.. ikut kemampuan la..
Sampai bila nak menyewa..  

kentel

wana89 replied at 23-3-2017 08:13 AM
Kan..
Ni wana setuju..
Ikut la kemampuan.. kat market bukan harga minimum 500k

cuba tgk post #8....ada betul nya jugak...jumlah landlord bayar dkt bank minus penyewa bayar dkt landlord, actually landlord lg jimat kalau penyewa rumah tu sewa rumah...

insulin

Belilah rumah mengikut kemampuan kewangan diri. X perlu beli yang berharga 500k. Beli yang berharga RM100k pun ok dah.

wana89

kentel replied at 23-3-2017 08:18 AM
cuba tgk post #8....ada betul nya jugak...jumlah landlord bayar dkt bank minus penyewa bayar dkt l ...

Yang tu memang betul
Rumah yg dibeli lepastu disewakan memang jadi passive income for owner.. penyewa cover cost untuk pemilikan rumah sebenarnya..
So dari duk sewa tolong bayarkan loan orang tu, baik la hangpa semua cari rumah murah (ikut kemampuan korang)..
kat market bukan hanya ada rumah 500k sajo.. banyak lagi rumah2 murah bawah 200k..
tapi kalo hadap gak nak sewa bayarkan owner untuk installment.. suka hati korang la..

wana89

insulin replied at 23-3-2017 08:26 AM
Belilah rumah mengikut kemampuan kewangan diri. X perlu beli yang berharga 500k. Beli yang berharga  ...

Kan bam insulin

insulin

wana89 replied at 23-3-2017 08:34 AM
Kan bam insulin

Ye dik wana. Keputusan akhir membeli rumah/kereta bergantung kepada kemampuan kewangan diri.

Banyak rumah2 lain yang berharga lebih rendah. Cuma kita kena bersabar dalam proses mencarinya...

zidane_ziege

sewa sewa jugak..duit lbh tu jgn ko joli..sok dh tua kot merempat bwh jambatan..

batman_2007

Ok. Faham2 artikel ni.

Sb tu baik kumpul duit buat cash rumah. Dlm 100k boleh dah buat rumh selesa bg yg duduk kg la..

mzzenma

nak beli rumah abru harga mmg macam najis sikit, so terpaksalah cari rumah subsale
tapi kena tengok area juga..takut taman perumahan penuh dengan spesies mentaliti pprt ni payah juga

kalau dekat melaka ni boleh lagi nak cari rumah bawah 120k..tapi jauh sikit lah macam jasin, alor gajah..boleh dapat rumah taman..