property tips (6)

Buy or rent?

It is always the question asked by people who just moved to a new place.

In most of the cases, it simply 'YES'. Depending on situation however, the answer may be 'NO'. For example, when I moved outside KL due to work commitment I found it is better to rent rather than buying house.

Some people did advise me to buy house instead of renting. To them, I can always get back the money that I pay to the bank later on after I sell that house when I move back to KL. The logic is there and since property always appreciat, I will get more than I paid to the bank.

After that, I did my calculation and here is the details.

When I first got the news that I have been transferred to outside KL, I did a simple survey by asking my friends who familiar with that particular district on where is the best area to live. It has to be near to the office and school. The place should also not so far away from town and hospital.

After that, I did an online survey to check both the rental rate and the market price of the house in that area.

Lets assume the house price is rm400k. If I get a loan of RM370k at 4.5% interest rate for tenure of 35 years, my monthly installment would be around RM1800 per month. If the rental of the same house is just RM1200 for partially furnished, I would rather rent that house. After that I will find a house that yield higher that rm1200 at the same price tag at other location I.e. Klang Valley or Penang or JB.

Assuming I can rent my house at KL at RM1900, in principal I get my tenant to pay the house at KL and at the same time he/she partially pay for my house that I rent in another town.

In conclusion, yes or no depends on situation. Different location may yield different result. You have to calculate the difference between the rental rate and the monthly installment that you are going to commit to the bank every month. If rental rate is higher you need to consider to buy. Othwerwise, you need to further study in how much you will gain should you buy another house in better location. By doing this, you will optimize your money and let them work for you.

rumah sewa johor (19)

landlord: ilah

type: rumah 2 bilik

location: jalan muar-kesang

Price: RM280

email:

contact no: 012-6892703

description:

Sewa RM280 kemasukan Mac 2016

2 bilik, 2 bilik air. 800sf. Telah d cat baru

Jalan Muar-Kesang. Lorong Katan, belakang kedai makan My Fren (cat hijau)

Pelbagai kemudahan – jalan utama, kedai makan, kedai runcit, dll

Deposit : 1 bulan

Berminat… hubungi ilah 012-6892703

rumah sewa putrajaya (9)

Name: Ezza

Type: apartment

Location : Presint 11, Putrajaya (Putra Damai Apartment)

Price: RM1100

Email: ezza.ejenhartanah@gmail.com

Contact No: 019-228 5001

Description:
Apartment Putra Damai, Presint 11 untuk di sewa
RM 1100 sebulan (nego)

3 bilik tidur, 2 bilik air
750 sq. ft.
Basic unit

Deposit 1 bulan (1+1)
Deposit utiliti (api air) : RM 550
Stamp duty RM 49

=======================================
Sila hubungi:

Ms Ezza
019-228 5001
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rumah sewa selangor (269)

Name: Azri

Type: Terrace/ link/ townhouse

Location: PINGGIRAN BATU CAVES  (Taman Indah Gemilang)

Price: RM1350

Email: hajaraziz@unikl.edu.my

Contact No: 0129045650

Descriptio:
- Property Type: Corner house
- Ground floor
-  Built-Up:900 sq. ft
-  Bedrooms: 3
-  Security 24hours
-  Nearby to Giant Batu Caves hypermarket
- Easily accessed via MRR2 and DUKE
- Transportation Nearby:
      • RapidKL Terminal Putra
      • Bus Station Bdr Baru Selayang
      • RapidKL Taman Melati
- 10 minute drive to UIAM & UniKL BMI Gombak
- Minimum 1 Year Tenancy Agreement

rumah sewa selangor (268)

Name: Fikri

Type: condominium

Location: Bukit Jalil/Puchong/Kinrara

Price: RM1,400 (partially furnished)

Email: mfikri787@gmail.com

Contact No: 0193896241

Description:
 Kondominium untuk disewa di Bandar Kinrara (Kinrara Mas Condo). Terletak antara kawasan Bukit Jalil dan Bandar Kinrara. Berhampiran stesen LRT BK 5 dan Giant Bandar Kinrara.

3 bilik tidur, 2 bilik air
Perabut beserta kitchen kabinet
Kemudahan disediakan : Gimnasium, Kolam Renang, Taman Permainan Kanak2, Sauna, Kindergarten, indoor games room dll. Kawasan gated dan guarded beserta CCTV. Covered parking disediakan.

Tel Pemilik : Fikri (019-3896241)

Rumah sewa selangor needed (267)

Name: Mohamad Faizan

Type: terrace/ link/ townhouse

Location: bangi/sungai merab

Price: RM700~800

Email: mohamadfaizan84@gmail.com

Contact No: 0127527729

Description:

Pasangan baru berkhawin mencari rumah sewa sekitar bangi/sungai merab untuk kemasukan January 2016

rumah sewa sarawak needed (10)

Name: ishak

Type: terrace/ link/ townhouse

Location: sri aman sarawak

Price: below rm1000

Email Address: ishaque89@gmail.com

Contact No: 0195007195

Description: furnished

rumah sewa selangor needed (266)

Name: AIF BIN ELIAS

Type: flat

Location: SHAH ALAM ATAU KOTA KEMUNING

Price: RM500-550

Email: afifelias89@gmail.com

Contact No: 0137535752

Description:
bakal berkahwin feb 2016. mencari rumah sewa sekitar shah alam atau kota kemuning.

rumah sewa selangor needed (265)

Needy: Muhamad Afiq

Type: flat

Location: Bangi, Sg Merab, Dengkil, Kg. Dato Abu Bakar Baginda

Price: RM500-600

Email: afiqhalim.iium@gmail.com

Contact No: 013-2655010

Description:

Pasangan berkahwin,
Kemasukan Disember 2015/ Januari 2016
Muslim, dan jaminan bayaran menepati masa.
Berhampiran MPOB Bangi/ UPM Serdang