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How to finance your real estate investment for maximum return?

When you want to take up a loan for your real estate investment, you may be confused by different loan packages offered to you. However, the 3 major factors that will affect the return of your investment are loan amount, tenure and interest rate.

Making decision to finance your real estate investment through a mortgage loan can be as simple as answering the following 3 questions.

How much should I finance?

If your real estate investment is worth borrowing, go for the maximum loan amount available to you; otherwise do not borrow to invest.

If a real estate investment is worth borrowing, the more you borrow, the higher the return, and the sooner you will take back all your capital.

How long the tenure should I choose?

Try to get the longest tenure available to you when you apply for a mortgage loan for your real estate investment. Why? Simply put, to minimise your holding cost - monthly loan repayment.

By selecting the longest tenure you enjoy the lowest monthly repayment. In other words, you will be able to save more money every month. You can save these monies for rainy day and earn interest from savings or fixed-deposit accounts, or invest them in other places.

The best thing is you still can repay the outstanding loan amount anytime with the extra cash you saved. And when you reduce your outstanding loan amount, you reduce the amount of monthly repayment. This is because mortgage loan interest is calculated based on the outstanding loan amount.

Since the longer the tenure the lower the monthly repayment, invest in real estate while you are young. This is not quite a fair game for elders. Monthly repayment for a man at age 55 years can be double of the monthly repayment for a man at age 35 years!

Which interest rate package should I choose?

You may think this should be the easiest question to answer - just take the lowest interest rate of course. Yes, if you are talking about the lowest interest rate within the lock-in period of your loan.

Nowadays you will find almost every loan package offered by banks comes with a condition of lock-in period. All banks want to lock you in for a certain period of time before you can repay the full loan amount. You are required to pay a penalty fee of around 3% of the total loan amount if you want to repay the balance loan amount or sell your property within the lock-in period.

You may want to sell away your property within the lock-in period when the price is right. So make sure you factor in the penalty fee as part of your selling costs.

Some bank like Maybank offers lower interest rate in the first few years of repayment. Ask banks to give you quotations of different interest rate packages with the maximum loan amount and tenure available to you. Select the package with the minimum monthly repayment within the lock-in period.

In short, in order to get the maximum return from your real estate investment which is worth borrowing,

Choose the maximum loan amount - for the highest return

Select the longest tenure - for the minimum holding cost

Select the interest rate package with the lowest monthly repayment within its lock-in period - for the minimum holding cost

 

Read more about real estate investment tips at http://reijb.com

We write regularly about real estate investment. Some of our featured articles include:

"How to estimate the value of a property?"

"Why apartment can be the best real estate investment?"

"How important is location to an investment real estate?"

About the Author

Coming from a humble little town called Tangkak in north Johor state of Malaysia, OngKL has chances to learn and work both in Johor Bahru and Singapore - a conurbation with 6.49 million still fast growing population - since year 1996. He is now having a chance to contribute back to the community by sharing what he sees, what he knows and what he learns in this wonderful place.

http://reijb.com

How can we have life level of soul and heart,How can a man get the maximum revelation of a name[of Allah]?

By not asking anti-Hindu questions that you always do.

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Man Limitless Possibilities: How True is It?

Man is a creation created with limitless opportunities. His size of possibilities is infinite. These two statements are in no doubt be accepted by virtually everyone. However, via thorough researches and findings, the discovery is that it is not exactly, as you think.

Taking it from the beginning, the creation of man is a constraint on itself. Do not be stunned yet, there are more to that. The creation of man has placed man betwixt two ends (or limits) that seem limitless. These ends are related and are best expatiated in mathematical terms but in everybody's understanding.

Placing the horse before the cart, let us examine the contracted constraints of the creation of man. Constraints are split into two classes', viz. natural constraints and artificial constraints.

The artificial constraints are simply synthetic constraints. They are constraints caused upon man by man. They simply retard man's progress or achievement either for self or for group. These constraints exist in various forms including jealousy, hatred, wickedness and much more. Factually, artificial constraints do not nail the reason or reasons why the first two statements in the first paragraph are not true in its entirety. This now take us to the other class, the natural constraints.

The natural constraints are simply constraints by God to man. These constraints are just two, easy to be waved aside but impossible to be eliminated or conquered. They are the creation of man as mortar not as spirit and the creation of man as God not to be God.

Taking them sequentially, the creation of man as mortar not as spirit is a constraint that makes the spiritual realm to reign supreme over the physical realm. This further indicates the reason why the spirit can posses the body and not the converse. This illustrated constraints introduced to us the superiority of God over man, not fundamentally on the limits that enclose man which seem limitless.

The other constraints, the creation of man as God not to be God explanation would certainly convince everyone to agree with the spirit of this write-up.

Before the creation of man, God framed and summarized the principle of emptiness. This principle states that he that starts from zero input level shall be able to transcend the finite input levels and terminate at the infinite input level. The mathematical statement is that the inverse of zero is infinity and vice versa. Therefore, the implication is obvious if God is to create man from the zero input level. As a result of this, he was prompted to create man to be like him and not to be him by ensuring that man's knowledge and other related features do not start from the zero input level (or the emptiness input level) but to hover above the emptiness input level.

I am not yet done with the emptiness principle. A further derivative of the principle is that, the minimum input level is used to ascertain the maximum input level. When the minimum is zero, compulsorily the maximum is infinity. This is verified by using mathematical statement, which goes as thus; one over zero is infinity. For man, the minimum is greater than zero. This means that, the maximum input level is less than infinity. This authoritatively tells us that man's maximum input level is less than God's maximum input level.

Taking the analyses a bit further, the complete range of input level is from zero to infinity. This forms the zero-infinity scale (0-? scale). For easier mathematical applications, the scale, zero-infinity scale would be transformed to a new scale but of same logical meaning. To do this, the infinity input level is assumed the reference frame. The quotient of infinity over infinity is one while the quotient of zero over infinity is zero. With this, the zero-infinity scale has been transformed to zero-one scale (0-1 scale).

From the scale, zero-one scale, the limits of God are zero and one inclusive. This can otherwise be referred as man's exclusive limits. Still in respect to the zero-one scale, man minimum input level is the least input greater than the zero input level. This man's minimum input level is 0.000...1. For man's maximum input level, the input must be the maximum before the input level, one. With no doubt it refers to 0.999...9. Therefore, 0.000...1 and 0.999...9 are man's inclusive limits.

The emptiness principle makes it possible for everything asked, searched and wanted possible with results, thereby creating no room for impossibilities. Therefore, since man is exempted from the emptiness principle, it can be said confidently that man's possibilities are limited.

To infer, the statement that man possibilities are limitless or infinite is an absolute fallacy.

About the Author

Iwuamadi Lawrence Ugo is a science researcher and an inventor with multiple discoveries in Mathematics, Physics, Chemistry and Philosophy.

Some of his published discoveries include THEORY OF LIFE AND ITS WEALTH-CONSTRAINTS RELATION, IWUAMADI'S 'MAGICAL' 3-ORDER RULE FOR EXPANDING POLYNOMIAL both as contents of ANALYTICAL THEORETICAL RESEARCH AND INVENTION WITH PRACTICAL APPLICATIONS.

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