Pelaburan Masa Depan | Apa yang Perlu Dipertimbangkan untuk Sesuatu Hartanah Bernilai. Investing in Your Future: What to Look for In a Good Property
Planning for your retirement while you’re still in your early 20s is always a good idea since this helps you create a goal that you can focus on. One method for retirement planning that has been popular for decades has been to invest in some form of real estate. The reason behind this is connected to the saying “the price of land will always go up.”
To a certain extent this does have a grain of truth in it since, aside from creating artificial islands, you cannot create more land in the same way that you can create more mobile phones. Due to its finite nature and the constant increase in the population of Malaysia, there is a general consensus that investing in real estate is “safe”. However, before you start looking for a property on Property Guru, it is important to know what to look for in a good real estate investment. There are a wide assortment of different properties out there, each with their own pros and cons. Understanding what you can get out of them is the first step towards making wise investment choices.
The first type of property that you can invest in is simply land or if you live in a city, a vacant lot. While it may seem strange to invest in just a vacant lot, all you need to do is look at the sheer amount of property developments that are occurring within Malaysia to realize that the demand for good land is increasing exponentially. All you would need to do is look for vacant lots that are located within reasonably good locations in the city. After that, just invest in some fences and place your name and contact details on a sign and just sit back and wait for an offer. Yes, this is a strange strategy but developers often buy several lots in a single area and consolidate them into a single large property. This makes buying individual lots in places where developers are constructing their projects a very good idea since it is likely that you will get a premium price for the property.
Investing in a house is another common strategy since people believe that they can live there for a few decades then sell it later on for a large profit. The inherent issue with this idea is that a house tends to receive a lot of wear and tear over the years, especially if it has been lived in for quite some time. Selling it later on may not be possible since a potential buyer could simply get a newer home. The value of the property would then be connected to the plot of land it is on which renders buying the house in the first place a moot point since you could have simply bought the land and saved yourself a lot of money.
Apartments can be a good long term investment if you plan to rent them out. By taking out a bank loan and using the rental income to pay it off, you wind up paying much less for the apartment than you otherwise might have. However, you should not consider the option of buying an apartment only to sell it decades later due to the price of the location going up. In Malaysia there are certain limits when it comes to the age of buildings.
If a building has reached around 50 years of age, it is slated for demolition with a small amount of the cost of the land going to the apartment owners. While the value of an apartment can increase over a period of time, the fact remains that its days are literally numbered. After 25 years, the value of the apartment declines significantly, especially when you consider the new buildings that will be constructed that have better amenities. It is better to focus on renting out the apartment and sell it within 20 years so that you can maximize the amount of money that you can get from it.
Before you make any final decisions regarding the type of property that you want to invest in, you should always consider whether you can afford it in the first place. While getting an apartment through a bank loan so that you can rent it out may seem like a good idea, what will you do if you can’t find someone that will rent it? Can you afford the monthly payments? The same can be said about any property that has been mentioned if you consider getting a bank loan to pay for them. All investments have a cost that you need to consider, you have to ask yourself if the risks involved in the investment are far too high for you or if you afford to take them on.
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