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977 ETA Business Short Validity (572) Vocational education and Training (VET) (576) AusAID or Defence sponsored Bupa to increase health insurance premiums Bupa congratulates Greg Hunt on appointment as Federal Health Minister Bupa appoints new Director of Marketing for A&NZ Bupa to offer increased choice for people with disability Rising stars in pioneering health research celebrated Over 140 Bupa owned Members First Network dental clinics across Australia would love to provide you with expert dental care. One call can make a difference Need support navigating aged care but don’t know where to begin? We’ll help find the right solution for you.“Antonette, the owner my and stylist, is very professional, talented, and has an awesome personality.” “She always uses high caliber products and also gives the best scalp massage, EVER!” “I'm kinda bummed that I can't post pics of my recent hair transformation but trust me, it looks beautiful.”
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botany hoodies "I've had dark brown hair my whole life, you know, because I'm asian. Anyway, a few months ago, after a year of debating, I finally took the plunge to be the pink haired unicorn I was born to be. Interesting article from the Malay Mail. They are simply trading their independence and privacy in order to save up for a deposit when they want to buy their own home in the future.Chang Kim Loong, honorary secretary-general of the National House Buyers Association (HBA), said that the average price of a condominium unit in the Klang Valley is RM500,000, noting that one needed to have a five-figure monthly household income of between RM10,417 and RM13,889 to afford such properties.”Affordable” and “moderately unaffordable” homes are defined as costing below three times, and between 3.1 and 4.0 times one’s annual household income respectively, according to the housing affordability rating recommended by the World Bank and the United Nations.”
In an ideal world, we should be buying at properties deemed as ‘affordable’, which is up to 3.0 times the annual household income. However, that could be challenging and HBA would recommend that aspiring house buyers buy something that is higher than ‘moderately unaffordable’,” Chang said in a recent email interview.He also pointed out that based on the average monthly household income in Kuala Lumpur (KL) and Selangor—which are RM8,586 and RM7,023 respectively, according to the Department of Statistics—people can only afford to buy homes costing between RM309,096 and RM412,128 in KL; and between RM252,828 and RM337,104 in Selangor.”When was the last time you saw a new property with a KL address...Selangor address launched at the above prices?” questioned Chang.Chang also noted that the average monthly household income in KL and Selangor is calculated based on earnings from two working spouses.”That would mean that single people would never be able to afford to buy their own properties, thus compounding the risk of a homeless generation,” he said.
However, even with a combined income, some married couples cannot afford to move out and start their new life together. In the Setapak case, Lim said his friend’s tenant was three months’ behind on rent, forcing the friend to cut off water and electricity supply. Chew’s observation appears to hold true. For Liow, Lim and Juliana, living in the outskirts of the Klang Valley - -far from their places of work and circle of friends—is unimaginable.They say that property prices nowadays are “crazily inflated” and “absolutely ridiculous”, stressing that purchasing a home in distant locations will only raise transport costs and isolate them from friends and family.Living in KL or PJ should not be a luxury, the young adults maintain, as it is not prestigious addresses that they are looking at, merely “decent” homes. Their desire to stay close to the city centre, however, appears to be influenced by other lifestyle choices, such as sipping an RM10 latte at an indie cafe in Bangsar over the weekend, owning a smartphone, or driving a foreign car.
A little known developer is going to launch the Establishment any time soon. This is a 46-storey building with over 600 units of apartments and you guessed it, they are mostly going to be those tiny studios. Since there are no clues to their sales office or showroom, I managed to pinch some pictures from the architech's website. It is quite a nice design. Kudos to the young team of architects. The design is very much similar to the PJ Trade Center at Damansara Perdana designed by another local Malaysian talent, Seksan. Seksan is a genius, he is my idol. He puts together inexpensive, common and natural building materials with nature into a very clever design. There is no need for luxurious marble and grand columns which tend to decay in their looks over time. So I am rather pleased the team at architeknic has taken on this cue. Another kink is, the land is currently occupied by a Muslim graveyard. There will be some level of exhumation involved before construction can start.
For the faint hearted, this might be an issue... although it has become quite common in many land hungry cities. One such example is the Ritz-Carlton Residences by Mahanakhon project at the busy Sathorn-Narathiwat Ratchanakarin junction in Bangkok. This site adjacent to the Chong Nonsi BTS station used to be a Chinese graveyard. Today, it is one of the most expensive piece of real estate in Thailand at over RM3,000psf. There are 2 units on display, the 1000sf 3-bedroom units and the smaller 800sf 2-bedroom units. I particularly like the 3-bedroom units which has a nice layout and despite being only 1000sf, they managed to pack 3 spacious looking rooms in. The living room however is a bit cramped due to the wall behind that sofa. If that is not a load bearing wall, I would like to see it demolished. Below you see the wasted space caused by the wall I mentioned earlier. The 2-bedroom unit however is more suited for a single or couple living. Although the kitchen size appears similar, the most apparent difference is the lack of a wet kitchen.
The dining area is also rather cramped, suitable for a small table only as it comes in between the living/bedrooms and the entrance. So, in conclusion, if yo are going for the Bangsar Southview Residences, choose the smallest unit or the largest unit, the 3-bedroom units. Anything else in between isn't really worth it. After much hype, the Bangsar South Southview Residences is finally launched. As mentioned, this is a Freehold project adjacent to the Lease-hold KL Gateway site which was launched earlier this year. Therefore, it has come to my surprise that the price is slightly similar as we all expected it to be higher. There are 14 units per floor and it goes up to 46 storey. There are 2 such towers so you can imagine how dense it is. Only the tower further away from the Federal Highway has been launched. Typically, the cheapest intermediate unit is about RM600k. The developer is offering a complicated 5% + 2% + 10% discount scheme which works like this: 5% discount: less RM30,000 (6% if you are an existing UOA customer)
S&P Price is RM600,000 - RM30,000 = RM570,000 If you sign the S&P and pay the balance of the 10% downpayment within 1 week notice, you will get an additional 2% discount which is RM11,400 Price you pay upfront for this investment is RM57,000 - RM11,400 = RM45,600 Then you wait 3 years for it to be built and nothing to pay since you got DIBs. Upon completion and your bank settles the balance of the purchase price from your loan, UOA will give you a cheque for RM57,000 (10%). So, your buying price falls down to RM570,000 - RM11,400 - RM57,000 = RM501,600 (for the 640sf unit, this is approximately RM780psf). For a freehold property in Bangsar South, this is not bad for an investment. Suppose at the back of a bad economy under Najib, punters should have no problems to flip it under duress upon completion at the selling price of RM600k which gives them a cool RM90k profit (after costs) - from the initial downpayment invested, this is a 50% margin. Actually the smallest unit are the 500sf studios.
There were only 6 such units launched. And typical of any suppliers, they have reserved these for their "own people". However, I am not a fan of studio units. I particularly like corners and these are 3-bedroom units with a comfortable size of 933sf. After all the discounts calculated, the price came to just over RM700k i.e. RM750psf. This is in contrast to KL Gateway's corner units which were peddled up to RM900psf. The drawback is the location. Southview is sandwiched between KL Gateway and YNH's land which they will launch slightly later than this. While KL Gateway is adjacent to the Universiti LRT station, YNH's is closer to Kerinchi LRT. The facade is also rather poor. UOA, probably due to the valuable freehold plot tried to pack as much as they can resulting in the 2 blocks looking like low cost flats. This will have an effect on tenant catching as they might probably look for more trendy accommodation. In the next post, I'll upload some pics.... watch this space