IHERNG PODCAST

Whatever you want to call, basically it's a scheme that leverage on the arbitrage between bank's valuation versus the price offered by the seller of the property. However, using zero money to own the property does not mean you don't need money. You'll still need to qualify for the loan, and pay up certain initial amount for the deal to start rolling.   Even since I started my investment journ...

In this episode we will discuss about this new purchase of this audience. He's debating between MRTA vs MLTA, then the renovation fees and etc.  But my key takeaway would be the attractiveness of the price for living in the northern part of Malaysia. Also, there are owners who are willing to sell below market price. This mail just verified that further.

Website to Tune Protect website : https://www.tuneprotect.com/ Speaking from personal experience, I only understood how much I was paying for my home insurance when I was trying to switch over to Tune Protect. This happened because it was mandatory and the amount was 'assumed' to be negligible.    Getting in a friend who developed a new product to change the industry, Steven is an expert...

In this episode, we will address a young audience regarding his mom's low cost apartment unit. He was asking whether could he take it up and refinance it so he could invest the money in other asset classes.    Well, it's not that sensible to do so as the amount is slightly too low. Also, the unit has been empty for 25 years. Therefore I made several suggestions in accordance to his situa...

Besides property, I also spend time studying watches. I've always been interested in them since my architectural studies where I see lots of architects wear great time pieces.   You'll only learn how to appreciate watches when you understand the context of their creation. The ability to tell time was seen as a luxury and a super power. Until today, these mechanical complications are still per...

Website to Mr Fax's company: https://plus-solar.com.my/  I've been trying to wrap my head around different dimensions of a property and one crucial component would be energy efficiency. Today I got in my dear friend, the CEO of Plus Solar to share his work and experience with us regarding his journey.    Besides providing energy, his team has now shift to embark on advanced technolo...

This question is a different twist to our usual property related sessions.   As this audience recently just switched careers before the pandemic, he's now under tremendous pressure and it makes him feel lost. I've shared what I did when I went through similar situations.   Also, we discussed about my thoughts about rumahwip. I believe that it's meant to be used as a home instead of an in...

Subscriber counts meant impact on the community I have via my work.  As much as I want to help out with the current situation of pandemic, there's only knowledge sharing within my capabilities.   As real as I can be, only the strong gets to protect the people. In today's context, that means having the wealth and abundance to help those in need. Hopefully via the channel, more people are...

Link to stashaway promo:  https://www.stashaway.my/ref/iherng-50639e3f-96f0-4092-9bd8-1a0a436eb532   In this episode, we will address a question from a couple regarding their recent property investment.    I'm glad that both of them invested in one unit each before getting a home for their marriage. This places them in a better position compared to getting their first property...

Our finance minister just announced moratorium 2.0 few days back and finally after several clarifications, I've put in some thought and figured out should I apply or not? The core intention of the moratorium is to ease cashflow for those affected by the lockdown where they don't have to pay the installments for the next 6 months. However, interest will still be calculated just not compounded. &nbs...

In this episode, we discussed on how much you should allocate as your budget for home. Is 30% too much or too little? I think that it strictly depends on the ambitions you have.    Another topic we spoke about regarding the inefficiency of property market. It's not transparent to the extend where your entry price depends on who you are and where you're from, especially if you're buying f...

In this episode, we will answer a young audience regarding the decision of whether to move out or not. Having the benefit of living with the family in Klang Valley, privacy and freedom kinda became the priority.    Then we also discussed the unique layout of loft. I agreed to the audience renting a place first because that allows him to have exposure of living alone, also to experience t...

In this episode, we will discuss on choosing between leasehold landed terrace house versus a freehold apartment.   Financially it's pretty obvious as you're paying for something that is guaranteed to drop in value instead of a property that has the potential to increase in value.   But in terms of lifestyle, it's only for the audience to decide as the property types will determine the wa...

In this episode, we will discuss about the concerns about home renovation as it can get emotional and personal. It's even worse if it comes with a strict budget.  So for this audience, there will be 3 ways: To DIY, to engage individual contractors or to engage The Makeover Guys. This strictly depends on whether do you have money, time, and peace of mind.

Before we proceed with the strategies of investment, we need to understand why people don't start investment in properties.   Generally, it's divided into awareness, then the learning methodology, and reference for the subject matter. If you're from a circle that do not discuss much about property and finance matters, most likely you're not gonna start.

Going back to basics, we will go through the first step in Sean's 4 basic steps but we will go deep into each intent.    This determines the considerations to be made for each property, may it be driven by personal preference or rental numbers.    Once again, thanks for watching you guys=)

In this episode, we will address a question from Singapore. This is one of the first time I will address the currency exchange issue. It depends whether the audience is planning to come back to Malaysia or to stay in Singapore as that will decide the investment strategy.    Also, the decision of choosing either bare unit or fully furnished depends on whether you have capital. It would be...

In this episode, we will talk about the dynamics of different location somewhat matters. Taking Cyberjaya as an example, it has the complete infrastructure that comes with tertiary education facilities, parks, malls, and public transports, but it just couldn't pick up in terms of population.  Also we talked about the research work done before buying versus after buying the property. There's n...

Link to Tune Protect website: https://bit.ly/3pwJBEv Another part of the cost for owning a property includes property insurance, sometimes known as fire insurance and some are called home insurance. Generally, this is a protection just in case your property is affected by emergencies such as fire, lightings, flood, landslide, theft related damages and etc.   As insurance evolves in accordance...

Ultimately, property is just another asset class just like crypto currency, stock market, gold and etc. Each investment type has it's own pros and cons, so it's important to determine whether is this asset suitable for your investment appetite and risk tolerance.    After understanding that, we then decide the percentage of property investment within your portfolio.    For thos...

In this episode, we will explain the different venues where we can purchase or get access to properties. Generally there are 5 channels, government land, primary market, secondary market, auction and bulk purchasers.    Your investment strategy will then be different if you choose to embark in different mode of buying channels.

It's very unfortunate that we are going into another lockdown. First of all, it sucks. But instead of focusing our energy on that, I'm taking this opportunity to do up this series where it ease newbies to start consuming my content in a structured manner.    If you're getting keys to your investment unit soon, why don't you hook up with my team at The Makeover Guys. Check them out at: ht...

In this episode, we will discuss about diversification. In all investment, this term is often used to protect investor of over exposing themselves to risk. However, it's also a saying that you'll diversify only when you don't know what you're doing.    Then for this audience, his intent is to invest in the same building that he is currently living in. Does that make sense?

In this episode, we will discuss about elements in a masterplan. Some are bonus to the property, some are not.   Then for the property adjacent to the cemetery, I would gauge the selling price.  As long as it's justifiable in terms of rental rates, I will invest.  As a matter of fact, I've just booked a property next to a cemetery as well.   The property price was good, and the...

My friend, Ms Kelly's number: +60 12-266 0695  In this episode, we have an audience from Singapore that is planning to invest in KL properties. The push factor would be the non-investment friendly climate for the property market in SG, then the pull factor would be the prices of KL properties. Truth to be told, our properties in the city center are relatively affordable in comparison to our S...