Recent content by thinkTheAnchor

I would anchor on the completed sale and treat the three listings mainly as evidence of seller expectations. For condition, avoid an arbitrary percentage: estimate the cost of bringing the dated unit to the completed comparable’s standard, then allow for the disruption and uncertainty...

How did you measure the 63 days—continuous visibility of the same advertisement, or the first date you saw that unit? Relisting can reset the apparent age. Buyer financing and seller motivation could matter as much as maintenance. An ambitious seller able to wait behaves differently from one...

Choosing on the headline rate could leave you paying more when you sell or refinance. I’d set a realistic exit year and add up the deposit, fees, instalments, any settlement charge and the balance due at that point. If you expect to keep the loan for all 20 years, the long-term cost deserves...

Before building cohorts, you need a boundary that keeps genuinely comparable areas together. Otherwise differences within Kuala Lumpur may distort the result more than listing age does, especially across the MYR 1,636,000 to MYR 2,453,000 range. I would also resist treating lease length as the...

A practical sheet could have: first-seen date, last-seen date, neighbourhood, condition, original ask, price-cut date, final visible ask, and status after disappearance. Mark the outcome as unknown unless there is reliable evidence of a completed deal. That avoids turning missing listings into...

Don’t let the inspection fee distract from the larger cash squeeze around completion. The first mortgage payment, moving costs, service charges, insurance excess and small immediate repairs can arrive close together. Keep the emergency fund separate from the furniture budget. For a new...

Is the apartment vacant, and do you know its age or renovation history? Those details change the sequencing risk considerably. Also confirm where plumbing can actually be accessed and whether the building management restricts noisy work, lift use, debris removal or working hours. Those...

I’m returning to lease length because it affects several later questions. A tenant cannot tell whether their plans fit “long-term,” and the owner cannot assess a proposed move date properly, until the expected term and any renewal discussion are set out.

The missing LTV is still the key issue. Since the advertised rate changed at your tier, ask lenders to quote on exactly the same loan amount, term and fee treatment. Otherwise you may be comparing a low headline rate from one tier with the actual all-in offer from another.

Before deciding, build a 12-month cash schedule using actual quoted amounts where available: rent received, building charges, sinking fund, insurance, property tax, management, tenant-placement costs and repair reserves. Run it at the asking rent and at a lower rent, each with and without...

A larger deposit reduces the LTV but ties up more cash. A smaller one preserves liquidity but may leave you with a worse rate and a less comfortable monthly payment. To connect that with the five-year comparison, what loan amount and full repayment term are you considering? Run both deposit...

“Long-term” needs a number attached to it. Is the owner looking for a particular minimum lease length, and would the rent or included charges differ with a longer commitment? That affects whether the asking price can be assessed fairly.

The vacancy arithmetic argues for restraint. The full uplift is MYR 2,330 a month. One vacant month at a prospective MYR 22,500 rent would consume roughly ten months of that extra income, before any cleaning or refurbishment. Compare several scenarios—no increase, a middle figure, and full...

One caution on price cuts: a late reduction does not automatically show a weakening market. It may only correct an unrealistic opening price. I’d compare the revised ask with completed sales in the same building before treating it as evidence. For an offer, use the closest comparable unit and...

That is the missing fact for me too. I would build the comparison from recent completed sales first, then add current listings and withdrawals separately. The 6.6% movement may reflect a change in which condos sold rather than a uniform fall in values. A month with more dated units completing...