Rumah untuk investment..nak mintak pendapat

llisamaisarah

Salam all,
Harapnya thread ni sesuai la sangat2 kat sini...

Sebelum pergi ke soalan..meh la nak cerita sikit pasal isunye.

Dalam 3 bulan lepas aku ada booking 1 rumah ( townhouse )...yer la untuk investment..so cari la umah kat area yg ada potensi...dan harga mampu milik..developer ni baru nak buat 1st projek..tp sebab murah aku beli jugak. Bayar deposit sikit..done part booking..dan setel bab apply loan.

Tunggu punya tunggu akhirnya panggil la untuk sign SPA, dan aku pegila jumpa lawyer..tgk2 ada berubah..parking excluded...so aku pelik..xde notis pape..tetiba ubah perjanjian...aku xsign. Mintak nk tangguh sbb nk confirmation dulu..

Pastu beberapa hari pastu marketing agent yg promote umah ni call bgtau..xpayah la sign SPA tu sbb developer ada mslah ngn Majlis Perbandaran...advice suruh cancel booking dan ambik balik deposit.

Lawyer plak call aku ngn membe ( pon beli jugak 1 unit ) bagitau dia hold smua SPA sbb developer ada issue.

Cerita dari side developer..lawyer ngn marketing agent tu ada isu ngn dia dan maybe ada agenda lain memandangkan kawasan ni umah sepatutnya sekali ganda lagi mahal..tarik napas panjang aku dgr sbb mcm dengar cerita budak2...xtau nak percaya sape.

Aku dah la waste masa 3 bulan semata2 pikir aim aku tahun ni kira dah dpt la..dengn sebijik umah tu..skarang ni..terpaksa survey balik umah lain.

Aku start cari2 umah lepas dah compile mcm2 info dan market price..ada 2 rumah dalam shortlisted,

A) kat Bangi..harga murah..rumah lama...single storey.
B) kt Puchong..harga 2 kali ganda kat Bangi..rumah baru...double storey

Point yg masih kekal..aku belom cancel booking rumah yg developer problematic tu.


Pilihan yg aku ada :

1) Cancel townhouse .Andai aku beli umah lain A/B tu..tetiba pulak projek townhouse tu jalan memang aku rugi...terlepas lokasi favourite aku sbb umah lain2 xmampu kat lokasi ni...mahal mcm beli kereta kebal

2) Beli rumah kat bangi..dan dalam masa sama xpayah ler cancel dulu yg townhouse tu..lagipon total 2 rumah ni lebih kurg harga 1 rumah yg double storey tu.

3) Cancel townhouse...beli yg kat puchong..xpayah pikir2 lagi.

Aku xkan mampu nak beli townhouse ngn yg kat puchong..sbbnye ni rumah kedua ( rumah pertama bukan atas nama aku even share )..dan ada liabiliti lain...hati aku lebih tertarik yg kat puchong.

Tolong aku...

Korg agak2 dalam condition aku skang ni apa pilihan paling bijak ek?
Kalau aku xcancel loan townhouse yg dah dibuat 2 bulan lepas tu...ada mslah ke..ada expirate date ke kalo xproceed?

baby_pingu

bila ko kata ko nak beli umah as investment...
in what way? jual-balik or sewakan?

llisamaisarah

sewakan dulu dan bila market value dah naik...( estimated time 2-5 tahun ) nk jual balik

tina^^

saper developer tue? location?

to me, kalau utk investment i will always look out for new property.....and biler prop tue siap, flip. did not intend to keep it for long or sewakan. hassle. cth mcm recently prop dkt Alam Impian (by I&P) kunci belom dapat, tp dah ada agent call asking price extra 200k dari purchase price. kalau sewakan, nak dpt 200k return will take looooooong years to come.

i dont favor sub-sale utk investment melainkan mmg nak duduk dkt kws tue....or, kalau kawasan tue mcm Desa Park City okla...1st sub-sale 600++ (earlier the house priced ard 400++), now 3rd and 4th subsale reach nothing less than RM1.2min then itu mcm okla beli rumah sub sale utk investment. ROI 2 - 300%.

so if i were u, option beli rumah lama bangi mmg out. but, bangi is not my area, perhaps u know better area situ....potential value in future...and all....kena buat servey la sket...i may sound bias sbb i mmg suker rumah rumah baru...new design, new layout, new everything.....rumah2 baru skang, toilet dah tak attach dgn other room..and new style skang, dkt bwh ada prepare 2 rooms for maid and guest.....with high ceiling and concept natural lighting masuk terus ke dalam rumah, courtyard and all....wic rumah2 lama dulu, x byk yg build design mcm nie (talking abt intermediate terrace as comparison)...hence will give extra advantage to new house to fetch better ROI than the old house/design....

just my opinion......

llisamaisarah

Hi Tina....

Bole ke reveal developer ek? takut plak...tp lokasi CYberjaya.
Yang ni bukan rumah best sangat pon..layout tu sesuai la untuk disewakan kat student...dalam 2 kali ganda ngn byrn bulanan kat bank..kalo ikut plan developer..fasa 2 nnti harga dah naik dalam 50k so kalau nk jual balik dah untung..tp hancur harapan.

Yang bangi tu harga below market value dalam 40k so kalau nk up loan n invest kat lain pon boleh...msh pikir ..

koko2

lisa..kalo nak plan nak invest dlm 5 thn..then jual..better amik umah baru..

llisamaisarah

koko2...ikut hati bla tgk condition tu memang ke arah double storey kat puchong..sebabnya..kawasan population tinggi dan agak strategik..lagi2 rumah baru siap..tgk pd rumah pon kalau tetiba xnak sewakan pon ok jugak...

Double story...3 bilik..free hold..mcm ok kan..below 25k dr market price...

AKu dah xcukup masa..nak kena pikir dalam beberapa arini jugak..samada aku beli atau org lain beli..tau la rakyat Malaysia skang ni kaya...

Pasal loan utk sebelum ni tu..agak2 cmana ek? sbbnya xsign SPA/SNP pon lagi smpi sekarang..bila apply loan rumah br nnti cmana ye?effect x?

koko2

Reply 7# llisamaisarah

wawawa...lokasi cun tu...frehold lagik..

pasal loan aku kureng arif..err ada PM..reply pm aku ya..TQ

tina^^

koko2...ikut hati bla tgk condition tu memang ke arah double storey kat puchong..sebabnya..kawasan p ...
llisamaisarah Post at 9-11-2011 11:26

lisa, amek ajek yg puchong tue...landed, freehold...puchong....

kalau tanak, meh pass kat aku, aku nak

bisik sket developer dier....

koken_7

ada sebuah apartment di gombak..new..leasehold...dpt kunci bulan 12..expected..
packaged to be interesting...

current price: ~RM300K
selling price: RM258K
deposit needed: 15%

Rental expected: RM1100
Pay to bank + maintenance: ~RM1000 (+ve RM100 cashflow)
Method: No need to loan with bank..just use seller loan. After 5 years (speculate price to be ~RM330K), if buyer want to sell...he make RM72K profit. Since capital use is RM38.7K, it's mean ROI is 86% in 5 years not include +ve cashflow rental...and the buyer actually make profit of RM42K or ROI 8.5% the moment he buy the apartment....sound good? And actually the buyer can buy another house since bank don't know he owned a apartment because no loan applied...

this is kind of good investment...

tina^^

ada sebuah apartment di gombak..new..leasehold...dpt kunci bulan 12..expected..
packaged to be inte ...
koken_7 Post at 9-11-2011 22:53

koken, why does the seller want to sell below market price?

and kenapa nak jual rumah tp SPA still under seller's name?

llisamaisarah

Dah 'ter' beli...pejam mata je la sebb kadang benda2 gini xleh pikir dalam sangat...

Masa nak keluar rumah utk view rumah kat puchong tu dah set dalam hati..kalau suka..memang nak taruk deposit.

Nak ikutkan..xde la bandar sangat..berjiran area AMAN putra tu...dr Cyberjaya dalam 15 minit camtu.

hmm..umahnye xde la besar..18 x 65...tapi untuk investment ok.

Cuba call umah sebelah yg ada tampal num contact agent...harga 25k lagi mahal...
Pastu owner bg diskaun dalam 7k dari harga asal yg display...agaknye ayat aku power atau pon agent tu ayat power sbb aku dah ayat dia..xtau la... tp harga tu mcm reasonable.

llisamaisarah

koken, why does the seller want to sell below market price?

and kenapa nak jual rumah tp S ...
tina^^ Post at 10-11-2011 09:27

   Nasihat korang banyak membantu gak utk nk buat quick decision ni...million thanks  

koken_7

Reply 11# tina^^

Tina..this is investment...jual beli rumah is actually an agreement between seller and buyer...they can come out with any term they want...especially to benefit both parties...so, the way many practices in buying real estate which expect price increase in certain time is actually speculation...the way people practice when someone is selling at 300K...buyer should buy at 300K ... is actually nonsense...that is why real estate price keep rising...but still they are people buying at price offered...it will keep going on until the last guy who on the real estate can't afford it...want to sell...but no one want to buy because the price is too high...and the seller has to reduce the price...and maybe it will go below buying price and maybe way way below market price....

SPA is sale and purchased agreement.....you can design your own sale and purchase agreement...between buyer and seller right??

tina^^

Reply  tina^^

Tina..this is investment...jual beli rumah is actually an agreement between seller ...
koken_7 Post at 11-11-2011 01:57

hi koken,

i just dont get it why seller wants to sell the house below market price ?? (forget abt potential price rise in future).


my plain assumption:-

seller tadek duit nak continue bayar rumah, tapi nak "hold" rumah tue hence come up with idea to "sell" the house below market price, but the loan still guna nama seller, but tukang bayar bulan2 is the buyer.


talking abt general condition why seller jual below market price selalunyer becoz :-

1- rumah xde potential future value - mcm dkt bkt beruntung
2- minimise loses
3- leasehold tenure become shorter
4- just to get the money fastest, and exit.


tapi yg ini unik....seller nak "jual" tp rumah masih nama seller but tukang bayar bulan2 is the buyer with seller come up with this so called "investment plan"

pls enlighten me......menarik......kot we can leverage on this technic to make more money....hihihi

Acong

projek mah sing kat cyberjaya kaa?

dek_nor

Di Putrajaya tu kalau ada peluang beli je....pro value naik gila2.....jgn risaulah...skrg orag beli around Bandar Putra NiLai or NiLai Impian...for 5 to 10 year gila pembangunan nya..ada 3 exit expresway disitu..cuba2 riki kawasan tu and the development yg akan datang..

Akuler

Reply 1# llisamaisarah

kat nusa putra ker??member ada beli kt nusaputra persint 2..rumahnya sgt besar..best!!leh buat padang futsal..masa beli harga 300k,skrang dh cecah 450k,

saya pun beli kt putra perdana,tapi umah apartment jer..masa beli 45k,skrang dh naik hampir 80k..

dulu kawasan nih teruk,banjir..jalan kuar masuk teruk..sekarang exit highway dh nk bkk,tesco dlm pembinaan,care4 dh siap..dan ada rancangan nk bukak jusco kt dpn amanputra tu..lgipun dkt dgn scince park 2,cyberjaya,putrajaya,g kl pun kejap jer..sbb ada highway MEX...

x pun awak beli kt scince park 2 tu ler..ada rumah single storey..baru siap..dulu talam punya projek..pastu terbengkalai..skrng PKNS amik..dh siap pun..masa dulu jual 120k..skrng naik 280k..klu sewakan skrg rm800

rumah yg awak nk beli tu harga berapa??pas kat sayer je la..hihihi..

Akuler

Reply 1# llisamaisarah


klu awak nk tau..cyberjaya dgn putra perdana nih..x smpi 15minit..5 minit jer..ikut exit highway tu..scince park 2 lagi ler dkt..hihihihi

din88

sewakan dulu dan bila market value dah naik...( estimated time 2-5 tahun ) nk jual balik
llisamaisarah Post at 9-11-2011 08:44

   Maksudnya, TT dah ada rumah pertama dan ni rumah kedua/ke-seterusnya utk investment.... Sy agak tak setuju dgn cara TT iaitu beli rumah then jual dlm 2-5 tahun kerana ini akan menyebabkan harga rumah meningkat ( spekulasi ? )...
Cuba TT fikir nasib graduan-graduan muda yg baru bekerja & baru nak beli rumah... Saya nasihat ni bukan kerana saya ( sbb sy dh ada tanah & boleh duk kuarters gomen sbb sy pegawai kjaan ), tapi sy terkenangkan nasib pekerja-pekerja swasta / kontrak / kilang yg berpendapatan kecil & sederhana yg hanya mampu menyewa seumur hidup mereka kalau harga rumah berterusan meningkat dek sikap kapitalisme sesetengah org2 kaya....

Maka, akan jadilah, yg kaya makin kaya, yg miskin makin miskin....

Cuba TT fikir kesan tindakan TT ni pada rakyat kebanyakan yg xleh wat loan rumah cam TT... Saya bukannya iri hati dgn kemampuan TT kerana sy dh cukup keperluan dr segi perumahan & makan-minum....