1. The Most Effective Strategy For Properties Industry

2. Properties Industry Consists Of : 1.Authorities 2.Developers 3.Consultants 4.Bankers 5.Investors 6.Contractors

3. The Most Effective Strategy For Properties Investors

4. Property Bubble / Risks? Any Suggestions / Ways To Overcome It ?

5. Any % for Property Bubble?  Any possibilities to happen?  When?  Where? Answer = We don’t know & unpredictable! HOWEVER!!! Unpredictable doesn’t mean that it will not happen. Therefore, the best we can do is prepare for it.

6. Three Criteria For Property Investors To Buy Property 1. Choose Right Property (Location, Product Design, With High Demand or Occupancy Rate & Reasonable Price) 2. Return on investment must be higher than the cost of financing (current 4.45-4.65%; target 6% yield) 3. Prepare two years for your mortgage instalments

7. Property Investors Will Bankrupt Under 3 Conditions  1.The ROI rate will fall to 0% from 6%  2.The bank interest will increase to 8.8% from 4.4.% (double) therefore the back up fund for 2 years mortgage instalment period will be reduced.  3.If these two circumstances happen & continue for more then 1-1/2 years, then you are not able to pay your mortgage, bank will auction your property; the auction process will take minimum 6 months.

8. The Most Effectives Strategy for Property Investors : 1.Prepare To Obtain The Property Loan From Bank(Reasonable Gearing) 2.Choose The Right Property 3.Renting Out The Property 4.Invest The Property In Long Term - 15 to 20 Years

9. 1.Prepare To Obtain The Property Loan From Bank(Reasonable Gearing) Get Ready Documents for bank loan application:- -Smartly Pay Tax -Knock The Bank Door; be friend with all bankers Target For Employee By age of 40 years old: obtain $3M property loan from bank Target For SME Employer By age of 40 years old: obtain $30M property loan from bank

10. Principal Of Gearing Two Types of Gearing : Unreasonable Gearing - Buy big car or big houses Reasonable Gearing - Buy the good assets with yield higher than the cost of funding and assets yearly appreciation higher then the inflation *Note : Gearing is go to the maximum but not over gearing

11. 2.Choose The Right Property Residential, Commercial, Industrial, Land, Resort Homes Right Location, Product, Designed, Pricing & etc ….

12. Types Of Properties Find the right property, 5 types of properties : Commercial Property Industrial Property Land Residential Property Holidays/Vacations

13. Types Of Properties

14. 3. Renting Out The Property 1. Rental Need To be higher than the cost of financing (current 4.45-4.65%; target 6% yield)

15. 4. Invest The Property In Long Term 15 to 20 Years BorrowerProperty Loan Amount RM After 15-20 years Estimate loan Outstanding Will be Property Value after 15-20 years RM Employee3,000,000 Pay off by Rental+ Income+ Saving 10,000,000 -3 to 5 times SME/Employer30,000,000 Pay off by Rental+ Income+ Saving 100,000,000 -3 to 5 times Buy the right property, the rental collection will be higher than mortgage instalment or enough to cover the mortgage

16. Property Price Appreciate For The Right Property PropertyYear- VP Launching Price RM Current Price RM USJ 13-Link House 199485,000 20 years 600,000 -7 times USJ-Good Year Court 199880,000 16 years 400,000 -5 times USJ Taipan Shop Lot 1994500,000 20 years 3,500,000 -7 times

17. 4. Invest The Property In Long Term 15 to 20 Years – Is Can ? Are U able to hold property for long term ; 15 to 20 years ? The Answer is Why Cannot ? Because Investors only came out 10% to 30% money; some more have tenant help u pay ur loan instalment

18. Thank you !