Property Investment in Malaysia: Which is Better, Undercon or Subsale?

Investing in property is one of the most popular ways to build long-term wealth in Malaysia. However, one major decision investors face is choosing between an under-construction (undercon) property and a subsale (completed) property. Both options have their pros and cons. At Oriental Real Estate, we’re here to help you make an informed choice.

 

Under-Construction (Undercon) Property

 

 

Pros:

 

• Lower Entry Cost: Typically, undercon properties come with attractive rebates, developer incentives, and low down payments.
• Brand New Condition: Everything is new — no need for major repairs or renovations.
• Capital Appreciation Potential: By the time the property is completed, its market value may have increased.

 

Cons:

 

• Waiting Period: You’ll need to wait 2–4 years (or more) for completion before you can rent or stay.
• Risk of Abandonment: In rare cases, developers may face issues that delay or halt construction.
• Uncertainty in Final Product: The actual property may differ slightly from the show unit.

 

Subsale Property

 

 

Pros:

 

• Immediate Ownership: You can move in or rent it out soon after the sale is completed.
• Established Neighborhoods: Subsale homes are usually located in matured areas with existing infrastructure.
• Real Inspection: You can physically inspect the unit and surrounding environment before buying.

 

Cons:

 

• Higher Upfront Costs: Subsale units often require full 10% down payment, legal fees, and renovation costs.
• Old Condition: May need repairs or upgrades depending on the unit's age and condition.

 

So, Which Should You Choose?

 

 

If you’re looking for long-term investment and have time to wait, an undercon property might be more suitable. If you prefer immediate returns or need a home urgently, subsale might be your best bet.

 

Still unsure? Let us help!

 

 

Our team of experienced property consultants is ready to guide you through every step of your property investment journey.

 

📞 Call us today at 018-282 0000 for professional advice and property listings that match your goals.

 

Make the smart move in real estate with Oriental Real Estate — where your property journey begins!

 

 

5 Kesilapan Biasa Pembeli Rumah Pertama & Cara Mengelakkannya

Membeli rumah pertama adalah impian bagi ramai orang, tetapi tanpa persediaan yang betul, ia boleh menjadi satu cabaran besar. Ramai pembeli rumah pertama melakukan kesilapan yang boleh menyebabkan masalah kewangan jangka panjang. Oriental Real Estate ingin membantu anda mengelakkan kesilapan ini dan memastikan anda membuat keputusan yang bijak. Berikut adalah lima kesilapan biasa serta cara untuk mengelakkannya:

 

1. Tidak Membuat Semakan Kredit

 

 

Salah satu langkah penting sebelum membeli rumah ialah menyemak skor kredit anda. Skor kredit yang rendah boleh menyebabkan pinjaman perumahan anda ditolak atau dikenakan kadar faedah yang tinggi.

 
Cara mengatasi: Semak laporan kredit anda melalui CCRIS atau CTOS dan pastikan tiada tunggakan atau rekod buruk sebelum memohon pinjaman.

 

2. Salah Anggaran Bajet

 

 

Ramai pembeli hanya fokus kepada harga rumah tanpa mengambil kira kos lain seperti duti setem, yuran guaman, insurans, dan kos penyelenggaraan bulanan. 

 

Cara mengatasi: Buat bajet terperinci termasuk semua kos tersembunyi dan pastikan komitmen bulanan tidak melebihi 30-40% daripada pendapatan anda.

 

3. Tidak Membuat Kajian Pasaran

 

 

Membeli rumah tanpa memahami pasaran hartanah boleh menyebabkan anda membayar lebih tinggi atau memilih lokasi yang kurang strategik. 

 

Cara mengatasi: Buat kajian lokasi, perbandingan harga dengan hartanah sekitar, dan semak kemudahan berhampiran sebelum membuat keputusan.

 

4. Tidak Mendapatkan Khidmat Ejen Hartanah

 

 

Ramai pembeli beranggapan mereka boleh menguruskan semuanya sendiri, tetapi tanpa bimbingan profesional, mereka mungkin terlepas tawaran yang lebih baik. 

 

Cara mengatasi: Dapatkan bantuan ejen hartanah berdaftar seperti Oriental Real Estate yang boleh membantu anda mendapatkan rumah terbaik dengan harga berpatutan.

 

5. Tidak Memikirkan Keperluan Jangka Panjang

 

 

Membeli rumah tanpa memikirkan keperluan masa depan boleh menyebabkan anda terpaksa berpindah dalam masa singkat, yang boleh menjadi beban kewangan. 

 

Cara mengatasi: Pertimbangkan faktor seperti saiz keluarga, akses ke sekolah dan tempat kerja, serta potensi kenaikan nilai hartanah sebelum membeli.

 

Hubungi Kami!

 

Jika anda sedang mencari rumah pertama dan tidak mahu melakukan kesilapan-kesilapan ini, Oriental Real Estate sedia membantu anda! Hubungi kami di 018-282 0000 untuk mendapatkan nasihat hartanah yang profesional dan dipercayai.

 

Dengan perancangan yang baik dan bimbingan yang tepat, anda boleh memiliki rumah idaman tanpa perlu risau tersilap langkah!

Housing Prices in Malaysia: Rising or Falling?

The real estate market in Malaysia is always a topic of interest for homebuyers, investors, and property owners. One of the most common questions is: Are housing prices going up or down? Let’s analyze the key factors influencing property prices in Malaysia.

 

1. Market Trends and Property Prices

 

 

In recent years, housing prices in Malaysia have shown mixed trends depending on location and property type. Urban areas such as Kuala Lumpur, Penang, and Johor Bahru continue to experience high demand, keeping prices relatively stable or even increasing. In contrast, suburban and less developed areas tend to have more affordable properties with slower appreciation rates.

 

2. Economic Factors

 

 

Economic factors play a significant role in determining property prices. The overall economy, inflation rate, and job market conditions greatly impact housing affordability and demand. A strong economy, characterized by higher wages and low unemployment, encourages more people to purchase homes, thereby driving prices up. Conversely, if the economy slows down, demand for properties may decline, leading to price stagnation or even reductions in certain areas.

 

3. Interest Rates and Loan Accessibility

 

 

Another crucial element influencing property prices is the interest rate set by Bank Negara Malaysia, which affects mortgage affordability. When interest rates are low, home loans become more accessible, encouraging more buyers and pushing property prices higher. On the other hand, higher interest rates may reduce affordability, resulting in slower demand and price corrections in the market.

 

4. Supply and Demand

 

 

Supply and demand dynamics also play a critical role in shaping property prices. The availability of new housing projects determines whether prices rise or fall. If developers oversupply the market, property prices may decline due to increased competition. However, limited supply in high-demand areas often results in price surges as buyers compete for available units.

 

5. Government Policies and Incentives

 

 

Government policies and incentives further impact the market. Various initiatives, such as the Home Ownership Campaign (HOC), are designed to stimulate property purchases by offering discounts and incentives. Conversely, stricter property regulations or cooling measures can slow down price growth, making it more challenging for speculative investments to drive up prices.

 

Conclusion

 

 

Ultimately, the direction of property prices in Malaysia depends on multiple factors, including economic conditions, interest rates, and the balance between supply and demand. If you are looking to buy or rent a property, it is essential to assess the market carefully and make an informed decision. 

 

Looking for the perfect home? Contact us at Oriental Real Estate for expert advice and great property deals with us at 018-282 0000!