IHERNG PODCAST

In this episode, we will discuss about the interest that buyers need to pay during construction stage. Many may think that they only pay the initial down payment and nothing else until they get their keys which is totally inaccurate.  There used to be this scheme by the developers known as DIBS (Developer Interest Bearing Scheme). But it was taken out as a measure to prevent property bubble b...

Stashaway referral link: https://www.stashaway.my/referrals/tanidxm In this episode,  we will address a question from an audience that went back to his studies. But he still feels left out and he's fearful of graduating at 28 and having nothing.   First of all, let's address the FOMO syndrome. I know it's tough to ignore it but let's try our best to screw it. We are definitely gonna...

In this episode, we will discuss about a different approach to marketing for a property development.  This audience came across a project with minimal images and details in Mont Kiara but the project is almost fully sold. Nothing only the booking fee is high, the duration given to acquire loan is also short. This is pretty common as the extreme situation would be just 10 years back during the...

In this episode, we will address a question regarding rental strategies revolving student accommodation.  As property investors, we would forecast the profile of tenants for the particular property before investing in it. The more options of tenants a property has, the higher the potential for rental returns.  The tenant profiles then dictates the strategy for furnishings as well. Studen...

In this episode, we will learn from an audience from Malacca who got her drawing in SPA mistaken.  This is a rather big deal when you come to think about it. What if you realised 2 years later when you receive your house, the deliverable is totally different from what was expected.   A great sharing from the audience to always check the documents before signing!!

For those who have heard this before, do just take this as a revision.  Because I'm super grateful for all the new intention from new home buyers, I realised I have not formally made this 4 basics video.  Step 1 : To determine the intention of the property purchase  Step 2: Find out how much loan you are eligible Step 3: Visit 20 or more properties around your budget  Step 4: M...

I'm super grateful for all the questions sent in by everyone. But there's only one type of questions where it's almost impossible for me to answer:" Dear Sean, this property XXX for own stay can buy??"   After the affordability test, where you're fully aware on the monthly commitments required to own that particular property only we will move on to the WEEKDAY-WEEKEND test. Here you'll n...

In this episode, I will address the concerns of an individual who is planning for her future and she wonder how I would do it.  I always believe to not splurge in the first property (similar to previous episode) and to get investment property early where the installment can be covered by rental. This will allow a good DSR for the next loan application.  Then fast forward 15-20 years late...

In this episode, we will discuss whether or not to spend on your first property.  Buying that dream home using joint income for a young couple is just lovely. But for an investment point of view, I'll strongly discourage it because it will just tie them down for the next 20 years. Imagine having one partner to work full time and have their entire salary to pay for the housing loan.  Not...

In this episode, we will address a question regarding the intention of a new unit, whether to move in or to rent it out.  In an ideal situation, we would want to invest in a property where the rental rate is close or more than the monthly installment. Hence it's important to do all the necessary homework prior to the purchase.  In the context of the question, the couple should move in to...

In this episode, we will answer a question regarding relocation back to the city after finding it inconvenient staying in the suburbs.  The challenge here is to sell her property at a price including the initial renovation. Unfortunately, renovation cost are not commonly recognised by banks and they cannot be added into the value of the house entirely. Also, the probability of finding a buyer...

In this episode, we will address a question from NYC regarding what to do with his capital when he's coming back to Malaysia.  Basically, the strategies for investment are different between having capital and without it. Capital allows you to invest in popular established areas with stable rental with less risk. It also allows you to get subsale properties with existing rental data and price...

In this episode, I've explained why an audience shouldn't buy a property before even exploring the real world of working.   I've suggested him to first get a job while figuring out what are his passion, then to get off from the parent's expenses as soon as possible, get 6 months of emergency fund established before thinking about buying a property.   The property he was intending to get...

A great moment in property market for Malaysia when our Prime Minister announced goodies this evening in terms of RPGT, LTV of third property and Home ownership campaign.  This is a moment I wish to document because in the midst of confusion and havoc caused by Covid-19, I choose to be BOLD. But for those who is trying to make a decision, this is great time but please make informed decisions...

Houz key seems to be the next big thing that everyone is talking about currently. Especially when there are just so many benefit in terms of cashflow, exemption of down payment, construction interest and etc, but who really just sit down and compare both?

EasyhomeFB page: https://www.facebook.com/teameasyhome  Lawyer friends' email: matthewlee@lgtwlaw.com   In this episode, I briefly explained if I were to have my own place *soon, how I would renovate it. Without even flinching, I will get my team from easyhome to assist with my place as I don't want to spend too much time thinking and planning about it.  The reason why renovation ca...

In this episode, we will answer questions from Kit for his university assignment. *hahaha.  Shop-offices were once known as shop houses, and the term changed after many people exploit using residential loans to buy these shops.  The rental difference between ground floor and upper floors are caused by access. It's just easier to just walk into the shop on the ground floor in compared to...

This is a sharing I had with a bunch of college student via FB live. We discussed a lot of things which I hope will resonate with younger crowd on the choices that they have to make. Also, what I would do when I'm 23 again!

In this episode, we will address a question regarding a property that this audience couldn't sell despite putting in effort.  First of all, what's the asking price and latest transacted price? What you can find on property portals are asking prices, and those are not necessarily the actual transacted price. I suggested to check out brickz.my for the latest transacted price for their particula...

In this episode, we will check out a question from a young engineering student. He wish to take over his father's development business and how should he go about it?  In Malaysia property development companies, CEO are mainly candidates with engineering degrees. Hence, he is in the right path. But in his free time, he should check out more properties just to gain experience and market insight...

In this episode, we will address a question from a young lady regarding her being stuck in a situation. She bought a landed terrace house she regretted after listening to her relatives and now she is asking how she can move forward.  She also shared her insight after living in an individual landed terrace home which was worst than she ever imagined. She just can't wait to move out into her in...

In this episode, Jenas asked whether can the developer not build a certain wall in the house she bought since she wants to tear down the wall later. It saves time and money for both parties.  The answer is NO. The developer cannot do that before handing over the unit to her because they are legally tied to the building plans that they submitted. And in the agreed SPA, the floor plans are exac...

In this episode, we will address a question regarding the type of property suitable for retirement.  The audience wish to retire in Malaysia and he was wondering how can he look for the property that he likes, and which type of property would suit a retirement lifestyle.  Well, my response would be to filter and shortlist the choices via property portals before I am able to advice which...

In this episode, I've shared about the 3 main consideration while trying to furnish your own property.  Time, design sense, and budget will be the 3 main considerations while deciding between getting an ID designer, contractor or doing-it-yourself.  If budget is not a problem and you like customization for your own space, then get an ID designer to service you and provide you with their...

In this episode, I've shared about the 3 main consideration while trying to furnish your own property.  Time, design sense, and budget will be the 3 main considerations while deciding between getting an ID designer, contractor or doing-it-yourself.  If budget is not a problem and you like customization for your own space, then get an ID designer to service you and provide you with their...