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Start with the cost of replacing them, not the headline asking rent. Estimate vacancy time, preparation work, marketing and the risk of a less dependable replacement. Then compare that total with the additional rent you would collect over the proposed renewal period. What does the current...

Could you confirm that 65 m² is the total internal area and that all five rooms are bedrooms? That is a very compact layout, so a floor plan or room dimensions would help people understand what is actually being offered.

The 1.2% needs careful handling too. Current asking prices should not be compared casually with completed prices from homes agreed earlier. Match the same property’s final asking price to its completed price where possible; otherwise changes in neighbourhood, size or condition can create an...

If the payment becomes uncomfortable after year five, choosing the attractive initial rate will have solved the wrong problem. I am considering a Kuala Lumpur property at about MYR 3,995,000 and have a quote for 4.76% fixed for five years. Once fees and the relevant loan-to-value band are...