IHERNG PODCAST

In this episode, we will address a question from Kota Kinabalu, Sabah.  Based on data and experience, the investment strategy will be different in accordance to different locations. For eg: Properties in the Klang Valley generally will have a higher rental yield in comparison to those in other states just because the high population that leads to high demand for space.  However, in state...

In this episode, we will address a question regarding selling property at a loss.  This audience is facing some difficulties to sell the property, and now he is considering to sell below his buying price. My take is first to rent out his current unit, either the entire unit to a tenant, or to divide them and subletting out the room individually. Although that might require more work but the r...

In this episode, we will address a DM regarding dual key and what I think about it.  For any development, there are 3 main factors that determines the form of the building. Land shape, plot ratio/density and the car park requirements are the main consideration and boundary to how a particular high rise is shaped and the number of units per floor layout.  Dual key came about as a solution...

In the episode, we will address a question from a nurse who works off shore. Her question is whether can she get loan without having EPF statements and how to start hunting for house?   In accordance to the basic 4 steps, she is stuck at step 2, which is to check how much she can get for her financing. I suggested to directly reach out the bankers as they will directly advice her on the requi...

In this episode, we will address a question from Mr B regarding his purchase in Eco Sanctuary. He is delaying his signing process as he is wondering whether will there any further discount, also finding out whether the price of his property is 'fair'.   My explanation involves the fact that bigger development companies will never jeopardize or cannibalize their previous phases. Which means th...

In this episode, I will address a request from Dr S. He was asking on which location should he consider for his future home when he is finally back from Malaysia.  Based on the context he provides me, I've shortlisted two approach for him to look for properties that might suit him using the 4 basic steps.  Hopefully this process would be a guidance for home buyers.

In this episode, we will address a question regarding the process of getting approval for grill door design.  In a strata management, there will always be control on certain things such as the facade, common areas regulation, and door grill design. This is to keep an uniform appearance to the entire development. Hence, during the handover of the unit to buyers, the management will provide a h...

I'm very proud to announce that I documented more than 100 different properties in Malaysia, and these are my findings are completing the process.

In this episode, we will help an audience to evaluate whether should he get this particular property or not.   Step 1: How to determine whether is this property's price reasonable?  Open google map and search for that particular project, then research the buildings surrounding the project. Use property portals to find out the selling price versus rental to calculate the rental returns. &...

This is one of the most frequent asked question during this period. But before we proceed, let's break down the behaviour of real estate as an asset.   Real estate is a perfect investment to hedge against inflation. It's one of the best tool to preserve the value of money in comparison to keeping money in cash form. However, many youngster are expecting to have quick money buy investing...

In this episode, we will address a question regarding AKPK and whether to get a new property or subsales?   AKPK is a financial agency governed by Bank Negara to provide guidance and assistance to people who are facing debt issues, mostly personal loans and credit card debts. This audience got enrolled due to the financial needs for a medical emergency and now he's almost back on track. &nbsp...

In this episode, we will address a question regarding hot spots for investment. Would it be better to invest in the CBD areas? or Suburbs?   Before covid, I would suggest to follow the development of infrastructure. Follow the highway constructions, the MRT and LRT tracks, the initiatives from the government and etc. Because the performance of real estate is highly dependent on population, co...

In this episode, we will address a question regarding developer not signing the SPA.  This audience has placed booking, got his loan and signed his part of the SPA. But the developer has held on to those documents for almost a year, refusing the sign the documents.   This may be due to a few reason, as mentioned the developer might want to buy more time for the delivery of the property....

In this episode, we are so lucky to have a story from JK, a very young investor that attended property courses. He started his investment journey very early and he shared 2 properties with a few of his course mates. However, things didn't turn out as well as predicted and what I would do if I'm in his shoes?   Speaking from experience, my take is to be patient. As JK said, what's done ha...

In this episode, we will address questions regarding Defect Liability Period and what to do with the cracks in the house.   Stated in the SPA, the defect liability is either 24 to 36 months. And it's also  on the premise that nothing was done to the structural elements of the house. This means if renovation was done that changed the structural system of the property, the warranty is auto...

This video comes from a part of me that is very concerned with all the emails regarding youth not being able to make ends meet, or even struggling to live just because they invested in a property that turned sour.   There are several trick that people use to deceive the system in getting the approval for their bank loan. However, it's only because your signature on the SPA document is what ma...

In this episode, I have explained the improvement we are doing in the construction process.   In order to increase efficiency and accuracy, most of our main contractor are adopting system form works during the casting process for structural members in a high rise project. And this is the main reason why we cannot hack walls in an apartment.   The entire structural system of a highrise is...

In this episode, we will address a question regarding the strategy for an investment Elias made.   Based on given context, this audience is doing extremely well just that some information on local insights are required.  Arte Mont Kiara is located right behind Publika, and that location is popular among the expatriates. As the audience told me that personal freedom and time is the priori...

After answering questions for 2 weeks straight, there has been a question in my head. Would you prefer to have CASH BACK on your property purchase? Or would you prefer a CASH FLOW positive property? As projects are including all these promotions, perks, packages, campaigns, whatever you want to call it. Those things are inflating the property price to go sky high and the focus of developer is just...

In today's episode, we will address a common mistake that many first time buyers make. The mathematical calculation tells us that after we pay up the 30 years loan for a house, it will cost more than double with the interest. Then why should I take loan as it's more expensive?  The first concept we need to understand is LEVERAGE. The concept is to use the least cash to get a property, and the...

In this episode, we will address a question regarding decision making. This audience really want to invest this property in Johor Bahru, however the entire market and his friends told him not to.   My take is to judge and evaluate the property based on your standard and risk appetite, instead of worrying what others think. If your theory is right, you can prove it to their face. If your theor...

In this episode, we will address a question by Jeff regarding his consideration to purchase a property. Given the context of the property will be shared with his GF, and he will get financial assistance from his family to fork out the down payment for the property.    My take is a strong NO. Simply not being able to pay the 3% booking fee already indicates that you cannot afford the prop...

In this episode, I've addressed concerns from my email regarding what will happen to the property market after covid?   Let's look at the facts, interest rates are lower than ever. And the demand for housing will always be there, in fact the rental demand might go up as most of will postpone our decision to purchase a property. Supplies of new properties are also declining, which means suppli...

In this episode, we will answer an email from Robin regarding defect check before getting vacant possession for his unit.  The first response is NO.  It would not be possible for developers to entertain all request to check for defects first before they proceed with the other furnishings. It would just be do too much coordination and administration work. The only time you can see and che...

In this episode, we will address a question from YK regarding his concerns about the pandemic affecting property handovers. And will the HDA protect consumers?    My answer is YES. It will definitely affect construction progress from several perspectives. It will affect the availability of materials, especially those that we import from China and this has been happening since last year....