Setia Alam Semarak Low Cost Apartment Good Rental Property Investment?

July 20, 2009 · Filed Under Property Investment · 8 Comments 

Are you a property investor who keen to make money from rental? What to invest with your extra savings to make more money? Perhaps you may buy a low cost apartment in Setia Alam to collect rental. What if the rental Return Of Investment (ROI) is double or even more than Fixed Deposit rates?
SP setia alam low cost apartment semarak children playground

Case Study: How to Make Money from Semarak Apartment

The apartment is developed by SP Setia Group, Malaysia’s Top Property Developer for 4 consequent years from 2005 to 2008 ranked by The Edge.

Project: Semarak Apartment @Setia Alam, Shah Alam
Launching Price: RM 42,000
Down Payment: RM 4,200 (10%)
Size: 682 square feet
SP setia alam low cost apartment semarak

What is the ROI? Fixed Deposit VS Property Investment

Let’s do a comparison using a simple investment calculation in Microsoft Excel templates to compare how much money you can make from both Fixed Deposit and Property Investment.

  • If you deposit your money into Fixed Deposit Account for 15 years:

    • Assume Fixed Deposit Rates is 3% p.a

formula investment calculation
formula to calculate future value of investment

  • If you invest your money into Property for 15 years:

    • Assume Home Loan interest rates is BLR-0%

home_loan_daily_rest_interest_calculation
home loan daily rest interest payment schedule 2

Analysis

Monthly home loan installment = RM 309.42 (will it difficult to achieve rental which is higher than this figure?)

I assume the rental collected is just enough to cover monthly home loan installment and other expenses, which means zero cash flow. In this scenario, do a property investor still able to make money from the property?

Refer to the table shown on above; the home loan will be fully paid on 180th months (15 years). Finally, you own the ‘real’ ownership on the property with the initial down payment of RM 4,200. That means your RM 4,200 have became RM 42,000 (I make another worst assumption that your property value is maintaining at same price after 15 years. Normally it less likely will happen)
SP setia alam low cost apartment semarak no balcony

Conclusion

Fixed Deposit – You make more money of RM 2,343
Property Investment – You make more money of RM 37,800

So, have you got the interesting parts on Property Investment???

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SP Setia 5/95 Home Loan Package Ends on 19 July 2009

July 5, 2009 · Filed Under Home Loan, Property Investment · 1 Comment 

Final Reminder: The best property developer in Malaysia SP Setia Berhad has announced their SP Setia 5/95 Home Loan Package will ends on 19 July 2009. The SP Setia 5/95 Home Loan Package was firstly launched on 19 January to 19 April 2009 and then extended by popular demand until 19 July 2009.

SP Setia would not be extending the loan package which would end on July 19 ~ SP Setia Berhad president and chief executive officer, Tan Sri Liew Kee Sin

SP setia 5 95 home loan package ends on 19 july 2009 save more money
Under the SP Setia 5/95 Home Loan Package, home buyers or property investors are required for 5% down payment with no interest payable during construction period. That means both home purchasers and property investors only begin servicing their 95% loan upon completion of the property. Besides, SP Setia offers you free legal fees & stamp duty for sale & purchase agreement, free loan agreement & transfer. The unique mortgage loan package helps everyone save more mortgage interest and save more money! Thumbs Up for SP Setia 5/95 Home Loan Package!

SP Setia 5/95 Home Loan Package Features:
  • 5% Down Payment
  • 95% Home Loan
  • 0% Interest during Construction Period
  • Free Legal Fees & Stamp Duty for Sale & Purchase Agreement, Loan Agreement & Transfer

Projects Klang valley penang Johor bahru entitled for SP setia 5 95 home loan package promotion

Projects Participated:
  • Klang Valley

    • Setia Alam
    Setia Eco Park
    Setia Walk
    Setia Sky Residences Kuala Lumpur
    Setia Putrajaya

  • Penang

    • Setia Pearl Island
    Setia Vista

  • Johor Bahru

    • Bukit Indah
    Setia Indah
    Setia Tropika
    Setia Eco Gardens

banker involved for sp setia 5 95 home loan package

5 local Financial Institutions from Malaysia have been supported for SP Setia Home Loan Package Campaign:
  • Maybank
  • Direct Access (a division of CIMB)
  • EON Bank Group
  • Public Bank
  • Ambank
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