RTM Akademi Hartanah - Ching

Today has read a blog online, they really analyze what the history of property movement and differentiate the risk on investment👍
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Most people look at a property and ask, "Is the price expensive?"

But experienced investors often ask a different question:

"Why is this location valuable, and what will make people continue wanting to live or rent here in the future?"
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A good property should have both affordable and valuable.

Affordability gives us the ability to own and hold the asset comfortably.

Value is what gives the asset the potential to perform in the future.

For example, a property may be cheaper today, but if the location, connectivity, and demand are limited, it may remain cheap for many years.

On the other hand, a property with stronger fundamentals may require a slightly higher commitment, but the value behind the location can support future demand, rental potential, and appreciation.

So rather than asking which property is cheaper, I prefer asking:

"Which property gives me the best value within a commitment level that I am comfortable with?"

Because the goal is not to buy the cheapest property.

The goal is to buy the best asset that comfortably fits your financial situation.

🇲🇾 Daulat Tuanku 🇲🇾

On the occasion of the Official Birthday of His Majesty the Yang di-Pertuan Agong, we extend our heartfelt wishes for His Majesty's good health, wisdom, and continued strength in leading our beloved nation.

As Malaysians, today is also a reminder of the importance of unity, harmony, and working together towards a stronger future for generations to come.

This long holiday, wishing everyone a meaningful public holiday with family and loved ones.

Daulat Tuanku.

𝗗𝗜𝗥𝗚𝗔𝗛𝗔𝗬𝗨 𝗧𝗨𝗔𝗡𝗞𝗨

Merafak Sembah Ucapan Setinggi-Tinggi Tahniah
𝗞𝗘𝗕𝗔𝗪𝗔𝗛 𝗗𝗨𝗟𝗜 𝗬𝗔𝗡𝗚 𝗠𝗔𝗛𝗔 𝗠𝗨𝗟𝗜𝗔
𝗦𝗘𝗥𝗜 𝗣𝗔𝗗𝗨𝗞𝗔 𝗕𝗔𝗚𝗜𝗡𝗗𝗔 𝗬𝗔𝗡𝗚 𝗗𝗜-𝗣𝗘𝗥𝗧𝗨𝗔𝗡 𝗔𝗚𝗢𝗡𝗚
𝗦𝗨𝗟𝗧𝗔𝗡 𝗜𝗕𝗥𝗔𝗛𝗜𝗠

sempena
𝗦𝗮𝗺𝗯𝘂𝘁𝗮𝗻 𝗨𝗹𝗮𝗻𝗴 𝗧𝗮𝗵𝘂𝗻 𝗛𝗮𝗿𝗶 𝗞𝗲𝗽𝘂𝘁𝗲𝗿𝗮𝗮𝗻 𝗥𝗮𝘀𝗺𝗶
𝗞𝗲𝗯𝗮𝘄𝗮𝗵 𝗗𝘂𝗹𝗶 𝗬𝗮𝗻𝗴 𝗠𝗮𝗵𝗮 𝗠𝘂𝗹𝗶𝗮 𝗦𝗲𝗿𝗶 𝗣𝗮𝗱𝘂𝗸𝗮 𝗕𝗮𝗴𝗶𝗻𝗱𝗮 𝗧𝘂𝗮𝗻𝗸𝘂

pada
𝟭 𝗝𝘂𝗻 𝟮𝟬𝟮𝟲 𝗕𝗲𝗿𝘀𝗮𝗺𝗮𝗮𝗻 𝟭𝟱 𝗭𝘂𝗹𝗵𝗶𝗷𝗷𝗮𝗵 𝟭𝟰𝟰𝟳𝗛

sembah takzim daripada
Lembaga Pembiayaan Perumahan Sektor Awam - LPPSA

Selamat Hari Gawai!🌾✨

✨Semoga anda dan keluarga sentiasa dikurniakan kesihatan yang baik, kebahagiaan, kemakmuran, dan banyak saat indah bersama. Semoga musim kesyukuran ini membawa keberkatan serta kejayaan dalam segala yang anda usahakan.✨

Happy Wesak Day ~

"May this Wesak Day inspire us to cultivate kindness, wisdom, and compassion, and to bring peace and happiness to those around us." 🙏🌸

🌾 Happy Pesta Kaamatan 2026 🌾

Wishing you and your family good health, happiness, prosperity, and many meaningful moments together. May this Kaamatan bring warmth to your heart and beautiful memories to cherish for years to come.

As a government servant, you have an opportunity that many people in the private sector may not have — LPPSA benefits✨

👍Plan early, understand how it works, and use it wisely to build stability for your future and the next generation.

👉Your salary is stable.
👉Your opportunity is valuable.
👉Don’t wait too long to start planning.

Selamat Hari Raya Haji 😊

Wishing you and your family good health, happiness, and blessed moments together. Safe travels and enjoy the celebration with your loved ones.

Semoga dipermudahkan segala urusan dan sentiasa diberkati bersama keluarga tersayang.

💡If you never learned it before, don’t worry.

👉 It is never too late to start understanding your current position and making adjustments step by step.

Small improvements today may create a very different future later on.

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One thing that should be learned as early as possible in life:
Financial management.

Not after facing financial pressure.
Not after commitments become too heavy.
Not after life suddenly becomes difficult.

The earlier we understand money, cash flow, saving, assets, and commitments…

👉 the more prepared we become for the future.

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Many people graduate with professional knowledge,
but very few are taught:
• how to manage cash flow
• how to plan finances
• how to prepare for inflation
• how to build long-term stability

And because of that, many only start learning after making expensive mistakes.

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📚 Financial knowledge should start:
✔ Before graduation
✔ Before heavy commitments
✔ Before starting a family

And most importantly:

✔ Teach it to the next generation early.

Because financial habits are built over time.

https://says.com/my/news/civil-servants-bankruptcy-personal-loans-malaysia-2026?fbclid=IwY2xjawR9avBleHRuA2FlbQIxMABicmlkETExRUUyOUs3OEx1UFpiZjNac3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHtL1GA6LeQVWWBsIO55OjMHCvJ5av_grJJeCBUM6hI1aMFefkkzouc_W-Jr0_aem_hj_95UppyIK-jRJvUnMpVg

Malaysian Civil Servants Are Going Bankrupt Over Personal Loans And Daily Expenses The country recorded 200 bankruptcy cases involving civil servants in the first four months of 2026, with some individuals owing more than RM4 million.

😄Absolutely. Focus on showing the value, quality, and results it bring.

“If it’s too cheap, people think it’s low quality.
If it’s premium priced, people think it’s expensive.”

You complain property price too high, then government increase supply and build affordable homes.

Then after you buy, you complain oversupply and property are bad investments because your unit didn’t increase prices So we buy the left over units lah.

When rental rates and property prices are high in prime areas, you then complain about property should be essential products, not for speculation…

You know the market don’t care nor judge about anyone right? But it’s really as real as it gets. People also support low cost and affordable housings, just not in their neighbourhood. They want better infrastructure, but not from their tax money.

🏠 “Why are house prices & rental getting more expensive?”

Many people think property prices simply “go up”.

But one important reason is:
👉 Construction costs are increasing.
👉 For example, Previously, construction costs in some areas were around RM150–160 psf ; Today, it may already reach RM170–180 psf.

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💡 Simple example:

A 1,000 sqft property:

• RM160 psf = RM160,000 construction cost
• RM180 psf = RM180,000 construction cost

That’s already a RM20,000 increase — before including land, infrastructure, compliance, and other costs.

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So what happens next?

📈 Property prices gradually increase
📈 Rental may slowly increase too
📈 Monthly commitments become heavier

And this is how inflation slowly affects everyday life.

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Some people wait longer because they hope prices will become cheaper.

If we look at history, prices become cheaper it never happen too:
👉 construction costs continue increasing
👉 living costs continue adjusting
👉 rental continues moving upward over time

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💡 So instead of panic, what can we do?

✔ Plan finances earlier
✔ Focus on manageable cash flow
✔ Build financial buffer
✔ Understand the market before making decisions

Because sometimes…

The biggest cost is not only inflation.

👉 It’s waiting too long without preparation.

https://theedgemalaysia.com/node/804503

Pricier diesel driving up construction costs by as much as 15% — contractors The increase in diesel prices has affected the construction industry, with building material costs currently rising by between 20% and 30%, said the Malaysian Housing Contractors Association (PKPM).