Knowing property investment each asset is unique and has different risk-return profile. Capital growth or rental return should be referrer in property investment? When discussing property investment there are two somewhat conflicting philosophies. Some suggest you should invest in property for high rental return while others feel you should invest for capital growth (the increase in value of the property).

We would all like to buy property that have both great capital growth and a high rental yield. Fortunately this is currently what is being experienced in the North East of England at this present time, Asia country like Hong Kong, Taiwan, Korea and Malaysia.

Many new and experienced investors invest purely based on rental yield (the rental income generated over a year expressed as a percentage of the purchase price of the property). In general strong capital growth usually goes hand in hand with a lower rental yield. Read more »

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Property investment guidelines telling first time home buyer the correct procedure and effective home buying process. Here provide important home buying tips for first time home buyer.

Ensure the type of housing
The expected date of completion for landed properties such as bungalows, semi-detached houses and terrace houses is 24 months from the date of signing of the Sales & Purchase Agreement (SPA)

Subdivided buildings such as condominiums, apartments, flats and townhouses, the expected date of completion from the date of signing of the SPA is 36 months.

First time home buyer are advised to obtain complimentary brochures from housing developers, which states all necessary information such as the developers’ license number, advertisement and permit.

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Many bank or finance institute offered bank mortgage loan. A list of bank in Malaysia offered bank loans to Malaysians and permanent residents. Taking up a bank loan is the most practical way to finance certain events in our lives.

List of bank in Malaysia divide to 4 groups, there is Commercial Banks, Islamic Banks, International Islamic Bank, and Investment Banks.

Below show a list of licensed banking institutions in Malaysia;
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Investment portfolio is important sector in property investment. Over the years, real estate has proven time and again its stability, attractive returns and ability to hedge against inflation. Thus, it is not surprising that most of the rich invest substantially in property investment.

It is an expert opinion that most people’s Asset Allocation Model and Investment Portfolio should look something like this (give or take 5%): Assuming you have RM100,000 set aside for investment purposes, at least RM60,000 should be invested in properties. Less than RM30,000 go directly into the stock market and the balance (less than RM5,000) into high risks, highly leveraged, volatile investments such as Options, Futures or Foreign Exchange (Forex).

Many people make the mistake of concentrating too much of their time and money into the upper levels of the pyramid, as their investment portfolio returns are highly volatile and unpredictable.

First, it’s extremely important to build up a solid investment base using real estate before venturing into other investments to give your investment portfolio regular and predictable rental income and to enjoy capital appreciation.
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