{"id":3399,"date":"2024-07-02T11:19:42","date_gmt":"2024-07-02T11:19:42","guid":{"rendered":"https:\/\/www.genesisorigo.com\/?page_id=3399"},"modified":"2024-07-02T11:23:05","modified_gmt":"2024-07-02T11:23:05","slug":"owning-properties-as-your-investment","status":"publish","type":"page","link":"https:\/\/www.genesisorigo.com\/ms\/owning-properties-as-your-investment\/","title":{"rendered":"Memiliki Hartanah sebagai Pelaburan anda"},"content":{"rendered":"\n

Owning Properties as your Investment<\/h1>\n\n\n\n
\"owning<\/figure>\n\n\n\n

Investing in real estate has long been a popular strategy for building wealth. There is a famous saying “you can’t go wrong with property” (Though it is not always true). Many believe that once you have owned the first house, you are secured and safe. Let’s briefly explore these thoughts here: <\/p>\n\n\n\n

1. Owning 1 Property<\/h2>\n\n\n\n

When you own just one property, you can generally expect its value to appreciate over time. However, it is not easy for you to realise (dispose) the value of your property rather there are some catch you have to beware of. <\/p>\n\n\n\n

As the va<\/strong>lue of your property inc<\/strong>reases, it increases ins<\/strong>urance costs, qu<\/strong>it re<\/strong>nt and as<\/strong>sessment ta<\/strong>xes. <\/p>\n\n\n\n

Still, owning a property is better than not possessing any value appreciating asset at all. At least you have options like mortgage or refi<\/strong>nance the property for loan (housing loan is the cheapest loan you can get in Malaysia). Additionally, you may also consider sel<\/strong>ling your only property to rea<\/strong>lise ga<\/strong>ins. Potential challenges include you must down<\/strong>grade to a sma<\/strong>ller unit or a less convenient location, in order to ge<\/strong>t ba<\/strong>ck ex<\/strong>tra funds (so unlocking your gains from single property can be tougher).<\/p>\n\n\n\n

2. Invest in 2nd Property <\/h2>\n\n\n\n

While many car<\/strong>eful con<\/strong>siderations needed before you decide on which one to invest one, the add<\/strong>itional uni<\/strong>t would provide you with ren<\/strong>tal inc<\/strong>ome, cap<\/strong>ital ap<\/strong>preciation and fle<\/strong>xibility in dis<\/strong>position – you can sell away this unit (your investment) without disrupting your primary residence. <\/p>\n\n\n\n

3. Owned vs Renting your residence<\/h2>\n\n\n\n

If you own one unit for your residence, the mortgage payment <\/strong>is considered a financial commitment<\/strong>, which affects your borrowing capacity. Conversely, if you are renting your current residence, re<\/strong>ntal ex<\/strong>penses are typically no<\/strong>t counted as commitments by lenders, giving you gr<\/strong>eater bo<\/strong>rrowing ca<\/strong>pacity.<\/p>\n\n\n\n

4. If you invest, think from Buyer’s perspective<\/h2>\n\n\n\n

Financial consideration alone, how much a buyer will have to fork out to buy your unit? <\/p>\n\n\n\n

For example, selling a property valued at RM500,000<\/strong> involves significant additional costs for the buyer:<\/p>\n\n\n\n

    \n
  1. Legal Fees and Stamp Duties<\/strong>: The Sales & Purchase (S&P) legal fees, stamp duty, and loan legal fees and stamp duty can easily amount to around RM20,000.<\/li>\n\n\n\n
  2. Insurance Costs<\/strong>: Banks typically require Mortgage Reducing Term Assurance (MRTA) insurance, which can cost another RM10,000 to RM15,000. Some banks may also require additional personal insurance.<\/li>\n\n\n\n
  3. Down Payment<\/strong>: A 10% down payment on a RM500,000 property is RM50,000.<\/li>\n\n\n\n
  4. Total Initial Costs<\/strong>: Combining the down payment and additional fees, a buyer needs to set aside approximately RM90,000 to RM100,000.<\/li>\n<\/ol>\n\n\n\n

    Given these substantial upfront costs, it can be difficult to find buyers willing or able to meet these financial requirements, especially if your property is priced at a premium. As a seller, being aware of these challenges can help you set realistic expectations and develop strategies to attract buyers, such as offering competitive pricing or incentives.<\/p>\n\n\n\n

    [Back to GO Blog]<\/a><\/p>\n\n\n\n

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    Memiliki Hartanah sebagai Pelaburan anda Melabur dalam hartanah telah lama menjadi strategi popular untuk membina kekayaan. Terdapat pepatah terkenal "anda tidak boleh ...<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3399","page","type-page","status-publish","hentry"],"yoast_head":"\nInvesting in Properties : Owning Two Properties vs. Owning One<\/title>\n<meta name=\"description\" content=\"Explore the financial implications of owning two properties versus owning one and renting another. 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