Situation, i got rental income $3000/mth SGD from my HDB
i got $600k SGD savings
i'm looking at a place to get (most prob for investment), it cost $500k AUD (it's in Oz)
i'm thinking put 100k AUD as DP and take 30 year 400k AUD loan, then my $500k SGD put into some conservative AUD FD that gives me 4.4% pa
my hdb rental 3000 SGD/mth = 30k SGD pa + 4.4% AUD FD = $18,000 AUD, should bring in about $52,000 AUD pa ($4300 AUD/mth)
my 30 year housing loan should be around $2500 AUD/mth
then i just use the rental income + FD $$ to clear the housing loan. Extra use to clear principle.
By the end of it, i should have a fully paid house + 500k + whatever future savings in the bank
Makes sense bo?
Sorli about the mix between SGD and AUD cause my wife was talking about being closer to her parents in AUS, and i thought like that pump $$ invest into a place there and rent out first just incase.
then she say use my own marnee. so now i thinking can or not.
:frown: :frown: :frown:
whats the criteria to buy OZ place ah? i also like but in our generation is like all confirm must die
the old geezers buy up all for cheap and pass to their jlb second gen
theres 0 chance of us making it big unless big time gamble or things like crypto. want to get rich by stocks is impossible i feel. well to do or enough to retire yes.
or business, which is getting way harder to do than boomer pioneer merdeka times
ur wife not US meh? why go OZ?
Quote from: default on Nov 18, 2024, 12:31 PMwhats the criteria to buy OZ place ah? i also like but in our generation is like all confirm must die
the old geezers buy up all for cheap and pass to their jlb second gen
theres 0 chance of us making it big unless big time gamble or things like crypto. want to get rich by stocks is impossible i feel. well to do or enough to retire yes.
or business, which is getting way harder to do than boomer pioneer merdeka times
my understanding is, if you dont have Oz PR/shittyzen, can only buy new development. our local banks offer loans for Oz ppty also. interest might be higher and en-marked as investment ppty
Quote from: default on Nov 18, 2024, 12:32 PMur wife not US meh? why go OZ?
my wife is US shittyzen. she dunwan hoot Oz ppty cause her yearly declared income cannot exceed 120k USD or else she kenna pay tax to unker sam. thats y she told me if i want to do this, must do on my own. cannot add her name inside. she already declaring slightly more than 110k USD liao.
i was looking at something like this, about 20km away from Brisbane CBD (in laws live in Byron Bay area, so this is about 2hrs drive away. not too bad ba)
(https://rimh2.domainstatic.com.au/QhYLsdb586rx0IEIUDE6zdpKWIs=/fit-in/1920x1080/filters:format(jpeg):quality(80):no_upscale()/2014952667_14_1_200118_122850-w624-h491)
https://www.domain.com.au/pallara-qld-4110-2016392611
In for escape info.
Quote from: nyvrem on Nov 18, 2024, 12:51 PMi was looking at something like this, about 20km away from Brisbane CBD (in laws live in Byron Bay area, so this is about 2hrs drive away. not too bad ba)
(https://rimh2.domainstatic.com.au/QhYLsdb586rx0IEIUDE6zdpKWIs=/fit-in/1920x1080/filters:format(jpeg):quality(80):no_upscale()/2014952667_14_1_200118_122850-w624-h491)
https://www.domain.com.au/pallara-qld-4110-2016392611
tot chiur in law in perth ? anyway chiur $$$ chiu spend heypi jiu hao..
but price is "From" so probably chiu paying moar
oso ad says land size 335m², 4 br, 2 toilet , 1 garage, but photo shows double garage.. dun think the pic will be the hause chiu buying at that advertise price.
if chiu wanna buyed then rook carefully since chiu so far away get someone to help you.
oso since chiu said investment mean chiu not going to live in there .. why bother about where chiur inlaw staying unless they wanna jaga the prace for chiu.
google said 158km or 1hr 43min to bryon bay. (dun think any one will want to this kind of driving velly often)
google oso said 28min or 23km to brisbane (maybe longer if peak hr) but wat facilites this prace have?
any train station?
horsepeter?
school?
shopping?
who wanna rent there? have chiu think abt all these?
:s11:
Quote from: default on Nov 18, 2024, 12:31 PMwhats the criteria to buy OZ place ah? i also like but in our generation is like all confirm must die
the old geezers buy up all for cheap and pass to their jlb second gen
theres 0 chance of us making it big unless big time gamble or things like crypto. want to get rich by stocks is impossible i feel. well to do or enough to retire yes.
or business, which is getting way harder to do than boomer pioneer merdeka times
foreigner buying hause in au.. just google many info.
probably can start here:
https://foreigninvestment.gov.au/sites/foreigninvestment.gov.au/files/2023-07/guidance_note_6_residential_land.pdf
Quote from: nyvrem on Nov 18, 2024, 12:08 PMSituation, i got rental income $3000/mth SGD from my HDB
i got $600k SGD savings
i'm looking at a place to get (most prob for investment), it cost $500k AUD (it's in Oz)
i'm thinking put 100k AUD as DP and take 30 year 400k AUD loan, then my $500k SGD put into some conservative AUD FD that gives me 4.4% pa
my hdb rental 3000 SGD/mth = 30k SGD pa + 4.4% AUD FD = $18,000 AUD, should bring in about $52,000 AUD pa ($4300 AUD/mth)
my 30 year housing loan should be around $2500 AUD/mth
then i just use the rental income + FD $$ to clear the housing loan. Extra use to clear principle.
By the end of it, i should have a fully paid house + 500k + whatever future savings in the bank
Makes sense bo?
Sorli about the mix between SGD and AUD cause my wife was talking about being closer to her parents in AUS, and i thought like that pump $$ invest into a place there and rent out first just incase.
then she say use my own marnee. so now i thinking can or not.
:frown: :frown: :frown:
since large sum of $$$ involved, chiu better be aware of Anti-Money Laundering and Counter-Terrorism Financing Act
get a good lawyer who know the local law in the state chiu wanna buyed the hause.. this lawyer will advise how to proprly comply with these laws otherwise chiur $$$ may get chiong kong
:frown:
Landed at brisbane so cheap? What abt perth? Well known retirement village
Quote from: default on Nov 18, 2024, 08:04 PMLanded at brisbane so cheap? What abt perth? Well known retirement village
cheap meh? and chiu wanna buyed?
:s11:
Quote from: jim889 on Nov 18, 2024, 08:15 PMcheap meh? and chiu wanna buyed?
:s11:
compared to SG is cheap mah. SG now even those lok kok ones at least 1.2m i think, at macpherson. old, rundown, single storey
those at least can live people one at least 1.5m+++ onwards to GCB at 25m and above... i rem maybe 10 yrs ago GCB only 20m or less
Quote from: default on Nov 18, 2024, 08:18 PMcompared to SG is cheap mah. SG now even those lok kok ones at least 1.2m i think, at macpherson. old, rundown, single storey
those at least can live people one at least 1.5m+++ onwards to GCB at 25m and above... i rem maybe 10 yrs ago GCB only 20m or less
the location ulu with no facilities.
that's why the price seems cheap.
also, the price on the ad is not the final price .. sure need to payed moar.
stayed hdeebee better goed donstair can buyed everything busstop / mrt just few mins away better
:flash:
welly lich sia...
Quote from: jim889 on Nov 18, 2024, 05:58 PMtot chiur in law in perth ? anyway chiur $$$ chiu spend heypi jiu hao..
but price is "From" so probably chiu paying moar
oso ad says land size 335m², 4 br, 2 toilet , 1 garage, but photo shows double garage.. dun think the pic will be the hause chiu buying at that advertise price.
if chiu wanna buyed then rook carefully since chiu so far away get someone to help you.
oso since chiu said investment mean chiu not going to live in there .. why bother about where chiur inlaw staying unless they wanna jaga the prace for chiu.
google said 158km or 1hr 43min to bryon bay. (dun think any one will want to this kind of driving velly often)
google oso said 28min or 23km to brisbane (maybe longer if peak hr) but wat facilites this prace have?
any train station?
horsepeter?
school?
shopping?
who wanna rent there? have chiu think abt all these?
:s11:
heng ah thought about all this liao
Quote from: Nemesis Alien on Nov 18, 2024, 01:52 PMIn for escape info.
no lah. if want escape, ownself go find
:s13: :s13: :s13:
Quote from: default on Nov 18, 2024, 08:04 PMLanded at brisbane so cheap? What abt perth? Well known retirement village
Perth is quite ex and not many new developments that are cheap. i looked into Perth cause kid might want to study ballet there.
if u want cheap and relatively new houses within range of things, Laverton / Altona / Maribyrnong area in Melbourne is good.
i saw this penthouse for sale 20mins from melb CBD, $480k AUD
(https://rimh2.domainstatic.com.au/XZr2Y6uDgYjeCTy5Sy6p3AT0H8I=/fit-in/1920x1080/filters:format(jpeg):quality(80):no_upscale()/2019463323_2_1_240902_052807-w2000-h1335)
https://www.domain.com.au/307-2-la-scala-avenue-maribyrnong-vic-3032-2019463323
Quote from: jim889 on Nov 18, 2024, 06:05 PMsince large sum of $$$ involved, chiu better be aware of Anti-Money Laundering and Counter-Terrorism Financing Act
get a good lawyer who know the local law in the state chiu wanna buyed the hause.. this lawyer will advise how to proprly comply with these laws otherwise chiur $$$ may get chiong kong
:frown:
heng ah gotch shittybank global acct riao
Quote from: nyvrem on Nov 18, 2024, 11:01 PMish simpur life rah
moi life also welly simpur... but dunch have 600k reh...
Quote from: sTiCkY on Nov 18, 2024, 11:09 PMmoi life also welly simpur... but dunch have 600k reh...
moi save de
:frown: :frown: :frown:
Quote from: nyvrem on Nov 18, 2024, 11:11 PMmoi save de
:frown: :frown: :frown:
moi saved too...
even if moi saved every cent from the past 10 years also max 300k only :s13:
Quote from: nyvrem on Nov 18, 2024, 10:56 PMno lah. if want escape, ownself go find
:s13: :s13: :s13:
Genna toto can run road. :s13:
Quote from: nyvrem on Nov 18, 2024, 11:01 PMPerth is quite ex and not many new developments that are cheap. i looked into Perth cause kid might want to study ballet there.
if u want cheap and relatively new houses within range of things, Laverton / Altona / Maribyrnong area in Melbourne is good.
i saw this penthouse for sale 20mins from melb CBD, $480k AUD
(https://rimh2.domainstatic.com.au/XZr2Y6uDgYjeCTy5Sy6p3AT0H8I=/fit-in/1920x1080/filters:format(jpeg):quality(80):no_upscale()/2019463323_2_1_240902_052807-w2000-h1335)
https://www.domain.com.au/307-2-la-scala-avenue-maribyrnong-vic-3032-2019463323
our pioneer gen and merdeka benefited from buying perth
u know like dunno half or more are owned by sinkies and msians? esp the northbridge area and nearby UWA, or even murdoch etc
many properties owned by asians
i think about this i feel our gen is cham liao, esp for people like me. at least u were born into an ok wealth family and u married someone well to do
the avg guy not in govt or mnc job since early days or no backing is confirm 100% die
tbh i also quite gian perth or melbourne/sydney but really is bo ko leng one. nv save much since young and nv do high paying jobs and not born with silver spoon
i dont think i can even retire in sg
Quote from: nyvrem on Nov 18, 2024, 11:11 PMmoi save de
:frown: :frown: :frown:
u saved a lot for sure u were thrifty but u also know ur circumstances and because your circumstances allowed it somehow. i rem u still ok to say u attribute it to a bit of luck
if only child, parents sick, nv work good job........ to save to 600k by the time honestly would be at least 50s and that is if dont start family
if i joined civil service like u back early and really really saved well and hard. i think even now i wouldnt have 600k. it's possible but not easy
ya so i nv deny u saved hard and worked hard but also luck better than many.
i do spend more, but if i were more thrifty, given my family's circumstances i would say i at most have close to 300k now since we are abt same age and u a bit younger.
i do think even if i had been more thrifty very unlikely to reach 600k. dont want to say anything or speculate lah but u believe can liao
oh ya you say got income yield mah, that makes quite a big part of it liao also
Quote from: sTiCkY on Nov 18, 2024, 11:13 PMmoi saved too...
even if moi saved every cent from the past 10 years also max 300k only :s13:
ya correct lor so we roughly did our sums....... same lor
Quote from: sTiCkY on Nov 18, 2024, 11:13 PMmoi saved too...
even if moi saved every cent from the past 10 years also max 300k only :s13:
ok moi cheat abit rah
got 2 x rental income
:crazy:
Quote from: default on Nov 18, 2024, 11:57 PMu saved a lot for sure u were thrifty but u also know ur circumstances and because your circumstances allowed it somehow. i rem u still ok to say u attribute it to a bit of luck
if only child, parents sick, nv work good job........ to save to 600k by the time honestly would be at least 50s and that is if dont start family
if i joined civil service like u back early and really really saved well and hard. i think even now i wouldnt have 600k. it's possible but not easy
ya so i nv deny u saved hard and worked hard but also luck better than many.
i do spend more, but if i were more thrifty, given my family's circumstances i would say i at most have close to 300k now since we are abt same age and u a bit younger.
i do think even if i had been more thrifty very unlikely to reach 600k. dont want to say anything or speculate lah but u believe can liao
oh ya you say got income yield mah, that makes quite a big part of it liao also
err.. i think mostly luck ba
i married up so got quite an easy head start
:s22:
Quote from: default on Nov 18, 2024, 11:55 PMour pioneer gen and merdeka benefited from buying perth
u know like dunno half or more are owned by sinkies and msians? esp the northbridge area and nearby UWA, or even murdoch etc
many properties owned by asians
i think about this i feel our gen is cham liao, esp for people like me. at least u were born into an ok wealth family and u married someone well to do
the avg guy not in govt or mnc job since early days or no backing is confirm 100% die
tbh i also quite gian perth or melbourne/sydney but really is bo ko leng one. nv save much since young and nv do high paying jobs and not born with silver spoon
i dont think i can even retire in sg
u in IT right ?
no try luck with 189 visa for Oz ?
Quote from: Nemesis Alien on Nov 18, 2024, 11:29 PMGenna toto can run road. :s13:
tio toto also must see how much
like got 1 time, the 2mil i think got more than 5 ppl tio ?
sian .5 sia
:s13: :s13: :s13:
Quote from: nyvrem on Nov 19, 2024, 12:13 AMu in IT right ?
no try luck with 189 visa for Oz ?
now too late liao. i think 35 could. but right about 35 was the time my mum passed on
now maybe can go via the dunno what....... 0.5m or what 2m biz pass
lol
kena toto odds is 1 in 13.9m
and like mervyn said divide by 5 also possible
if win no one will kaopeh la, even if divide by 10, get 100k also u will be happy but will tulan why u not sole winner
the chance is super low
The odds that one will be struck by lightning in the U.S. during one's lifetime are about 1 in 15,300 in the US
Quote from: nyvrem on Nov 19, 2024, 12:14 AMtio toto also must see how much
like got 1 time, the 2mil i think got more than 5 ppl tio ?
sian .5 sia
:s13: :s13: :s13:
Lately got quite a few snowball 10mil.
Quote from: nyvrem on Nov 19, 2024, 12:11 AMok moi cheat abit rah
got 2 x rental income
:crazy:
mervyn ah mervyn...
I think mervyn, at your income should just invest lor. Your idea of this property is good. Just do more due diligence.
Your opportunity is like our forefathers time due to the income able to more than sustain
My parents time and those before. As long as u work hard or dare to take risks theres almost 0 chance u will be poor. I mean some are damn suay and got bitch shit luck la.
But many of those in rented flats probably got physical or mental issues, never worked long or doing drugs, extreme gambling or what.
Those above 60 or 65 its close to impossible not to live well or lead a decent life. Worst case is have 3 room flat only like my parents.
Last time money is ultra fucking easy to make. My mum ran biz for grandpa but she and my dad not much biz acumen and dad worked in sme only. And no risk taking behavior or ambitions.
Last time even work in govt also can be minimal rich or ultra fucking rich no matter how u slice it. I talked to dont know how many civil serpents and bizmen.
Some bizmen failed afterwards but they did get a lot of success at the start.
Nowadays hard to get rich like mervyn without any headstart tbh. If save and invest wisely with some luck and smarts... at most can afford to retire only.
Its a phenom around the world esp in land scarce sg. But pap rly fucked things up a lot for the common joe too
Nowadays the shit COL and everything will kill nearly anyone unless u do relatively well in CS or mnc
Quote from: default on Nov 19, 2024, 12:33 AMnow too late liao. i think 35 could. but right about 35 was the time my mum passed on
now maybe can go via the dunno what....... 0.5m or what 2m biz pass
lol
gg lah.
miss boat
:frown:
Quote from: default on Nov 19, 2024, 02:15 AMI think mervyn, at your income should just invest lor. Your idea of this property is good. Just do more due diligence.
Your opportunity is like our forefathers time due to the income able to more than sustain
My parents time and those before. As long as u work hard or dare to take risks theres almost 0 chance u will be poor. I mean some are damn suay and got bitch shit luck la.
But many of those in rented flats probably got physical or mental issues, never worked long or doing drugs, extreme gambling or what.
Those above 60 or 65 its close to impossible not to live well or lead a decent life. Worst case is have 3 room flat only like my parents.
Last time money is ultra fucking easy to make. My mum ran biz for grandpa but she and my dad not much biz acumen and dad worked in sme only. And no risk taking behavior or ambitions.
Last time even work in govt also can be minimal rich or ultra fucking rich no matter how u slice it. I talked to dont know how many civil serpents and bizmen.
Some bizmen failed afterwards but they did get a lot of success at the start.
Nowadays hard to get rich like mervyn without any headstart tbh. If save and invest wisely with some luck and smarts... at most can afford to retire only.
Its a phenom around the world esp in land scarce sg. But pap rly fucked things up a lot for the common joe too
i dunno how to do biz huan. i only know how to do ppty and calculate ROI
macham pass time rike dat
:spin: :spin: :spin:
Quote from: default on Nov 19, 2024, 02:17 AMNowadays the shit COL and everything will kill nearly anyone unless u do relatively well in CS or mnc
like what many ppl say, pap make sure u earn enough to put food on table, but never enough to elevate yourself out of your zone unless u play BTO / got connection
@nyvrem Aud FD isit anyone also can go apply? Even if is non citizen or PR like my situation.
Quote from: Crabnuggetandsotonghead on Nov 19, 2024, 06:43 AM@nyvrem
Aud FD isit anyone also can go apply? Even if is non citizen or PR like my situation.
from my understanding, can leh. but will kenna tax withholding etc.
best contact Oz bank to find out more.
Can check with Commonwealth Bank - look for term deposits.
Quote from: nyvrem on Nov 18, 2024, 10:55 PMheng ah thought about all this liao
chiu tot of all these jiu hao.. moi post for other ppl who didnt think abt tis yet
:flash:
Quote from: nyvrem on Nov 18, 2024, 11:04 PMheng ah gotch shittybank global acct riao
anything over $10k (moi think) whether bring in physically need to declare, if transfer electronically to Aust acct.. will get triggered and will be leeported to AUSTRAC
https://www.austrac.gov.au/
anyway transfer of large amount can be legitimate, just need to provide justification.
chiu prepare oredi jiu hao. moi just wan to bring this to awareness of ppl are keen but dunno hwo to start.
:flash:
Quote from: Crabnuggetandsotonghead on Nov 19, 2024, 06:43 AM@nyvrem
Aud FD isit anyone also can go apply? Even if is non citizen or PR like my situation.
can u open sg bank accout and buy au fd? anyway au interest rate is abit higher than sg nia.. nothing much..
although if invest a big sum maybe get higher return.. but if wan bigger returns. tiagong ppl do crypto can earn moar but moi not into it so dunno anything.
:flash:
Quote from: jim889 on Nov 19, 2024, 03:11 PMcan u open sg bank accout and buy au fd? anyway au interest rate is abit higher than sg nia.. nothing much..
although if invest a big sum maybe get higher return.. but if wan bigger returns. tiagong ppl do crypto can earn moar but moi not into it so dunno anything.
:flash:
Moi no knowledge about crypto too...
U are also right that, it is only a small increase compare to our usual interest rate in SG.
Quote from: Crabnuggetandsotonghead on Nov 19, 2024, 05:00 PMMoi no knowledge about crypto too...
U are also right that, it is only a small increase compare to our usual interest rate in SG.
yeah, not worth the hassle if increase is low but is stable investment with low risk moi think
:flash:
Quote from: Crabnuggetandsotonghead on Nov 19, 2024, 05:00 PMMoi no knowledge about crypto too...
U are also right that, it is only a small increase compare to our usual interest rate in SG.
how much is the best FD in sg atm?
i only know piak ppty in Oz now, ROI about 9~11%
:s13: :s13: :s13:
Quote from: nyvrem on Nov 19, 2024, 06:39 PMhow much is the best FD in sg atm?
i only know piak ppty in Oz now, ROI about 9~11%
:s13: :s13: :s13:
wat chiu mean 9 to 11 %?
gib some lumbers and sexamples for ssrr
:frown:
Quote from: nyvrem on Nov 19, 2024, 06:39 PMhow much is the best FD in sg atm?
i only know piak ppty in Oz now, ROI about 9~11%
:s13: :s13: :s13:
The best FD rate probably 3% nia :frown:
Quote from: jim889 on Nov 20, 2024, 03:38 AMwat chiu mean 9 to 11 %?
gib some lumbers and sexamples for ssrr
:frown:
https://www.property.com.au/vic/carlton-3053/pelham-st/l-8-816-131-pid-14350482/
https://www.property.com.au/vic/hawthorn-3122/riversdale-rd/201b-71-pid-9408265/
https://www.property.com.au/vic/hawthorn-3122/queens-ave/206-1-5-pid-14265826/
Quote from: Crabnuggetandsotonghead on Nov 20, 2024, 08:07 AMThe best FD rate probably 3% nia :frown:
power rah
put in 1mil get 30k per year can retire liao
inb4 how to get 1mil
:frown: :frown: :frown:
interesting. :flash:
all the property chiu posted all suffering loss for investors.
see property 1.
7 Jul 2007 -$231,000 -Sold
NOW For Sale $150,000 - $165,000
loss of $66k or 25.8% over a period of 17 years assuming can sell at 165k, however see property 2 and property 3 even cheaper. who will buy property 1 at this price?
if buy hdeebee in 2007, oredi huat becum millionaire lew.
as for rental income currently leased at $381, but what is the outgoings they didnt said.
council rates and strata rates also water rates moi estimate will be ard 10k which will eat into chiur incum pruss chiur loan payment oso not cheap..
dun think will be good investment, many new apartments in melb.
prices for 2nd and 3rd property lagi worse.
moi will not touch these.
:wowow:
Quote from: nyvrem on Nov 20, 2024, 12:48 PMhttps://www.property.com.au/vic/carlton-3053/pelham-st/l-8-816-131-pid-14350482/
https://www.property.com.au/vic/hawthorn-3122/riversdale-rd/201b-71-pid-9408265/
https://www.property.com.au/vic/hawthorn-3122/queens-ave/206-1-5-pid-14265826/
Quote from: jim889 on Nov 20, 2024, 02:18 PMinteresting. :flash:
all the property chiu posted all suffering loss for investors.
see property 1.
7 Jul 2007 -$231,000 -Sold
NOW For Sale $150,000 - $165,000
loss of $66k or 25.8% over a period of 17 years assuming can sell at 165k, however see property 2 and property 3 even cheaper. who will buy property 1 at this price?
if buy hdeebee in 2007, oredi huat becum millionaire lew.
as for rental income currently leased at $381, but what is the outgoings they didnt said.
council rates and strata rates also water rates moi estimate will be ard 10k which will eat into chiur incum pruss chiur loan payment oso not cheap..
dun think will be good investment, many new apartments in melb.
prices for 2nd and 3rd property lagi worse.
moi will not touch these.
:wowow:
i love these ppty because over the last 10 years, the value has been stable, so it's good for rental ROI cash flow. this is not sinkieland where ppl flip ppty based on increase in valuation.
with regards to counting ROI, u want lump all the misc to 10k/year, i got nothing to say since the average is about $300+/mth. got online ROI calculator can ownself enter figures and can see ROI liao.
anyway, each his own.
Quote from: nyvrem on Nov 20, 2024, 04:20 PMi love these ppty because over the last 10 years, the value has been stable, so it's good for rental ROI cash flow. this is not sinkieland where ppl flip ppty based on increase in valuation.
with regards to counting ROI, u want lump all the misc to 10k/year, i got nothing to say since the average is about $300+/mth. got online ROI calculator can ownself enter figures and can see ROI liao.
anyway, each his own.
moi oredi said wat moi wanna said..
chiu heypi jiu hao.. oso moi just estimate expenses.. if any kenah special levy then chiu "huat" liao
:flash:
Quote from: jim889 on Nov 20, 2024, 05:40 PMmoi oredi said wat moi wanna said..
chiu heypi jiu hao.. oso moi just estimate expenses.. if any kenah special levy then chiu "huat" liao
:flash:
chu haypi can riao
:spin: :spin: :spin:
Got moolah can 任性
Quote from: nyvrem on Nov 20, 2024, 12:49 PMpower rah
put in 1mil get 30k per year can retire liao
inb4 how to get 1mil
:frown: :frown: :frown:
My cash savings is not even half of yours. It's hard to save money 💰
Aiming for $250k milestone.
Rent out house in aus use that money to pay mortgage
Rent out hdb
Put 500k in fixed d
Rent a house in jb
Quote from: Nevereatrice on Nov 20, 2024, 11:02 PMRent out house in aus use that money to pay mortgage
Rent out hdb
Put 500k in fixed d
Rent a house in jb
I'm thinking my next available choice is to buy a 3 room flat and start renting out one room to generate some passive inc. and it's a way to encash out my cpf.
Quote from: Crabnuggetandsotonghead on Nov 20, 2024, 11:05 PMI'm thinking my next available choice is to buy a 3 room flat and start renting out one room to generate some passive inc. and it's a way to encash out my cpf.
Bto have to wait 5 years mop another 5 years total 10 years. Pap all calculated. Resale chao chao 500k
Quote from: Nevereatrice on Nov 20, 2024, 11:02 PMRent out house in aus use that money to pay mortgage
Rent out hdb
Put 500k in fixed d
Rent a house in jb
end up ish target the jb dream
:o
Quote from: Crabnuggetandsotonghead on Nov 20, 2024, 10:57 PMMy cash savings is not even half of yours. It's hard to save money 💰
Aiming for $250k milestone.
aim for that hdb flip
once u flip that first BTO
chu huat riao
Quote from: nyvrem on Nov 20, 2024, 11:14 PMaim for that hdb flip
once u flip that first BTO
chu huat riao
I cannot buy 2 room bto.
Quote from: Nevereatrice on Nov 20, 2024, 11:09 PMBto have to wait 5 years mop another 5 years total 10 years. Pap all calculated. Resale chao chao 500k
Resale 3 room with around 50+ years of lease... Just for income generating purpose.
Quote from: Crabnuggetandsotonghead on Nov 20, 2024, 11:20 PMI cannot buy 2 room bto.
Resale 3 room with around 50+ years of lease... Just for income generating purpose.
just buyed ownself stay.. huai think of incum generating?
:s11: