By taking a 1mil mortgage loan for 30 years, the interest payments that you are going to pay at the end of the day will be 718,694. Total interest plus principle is 1.7 mil.. after 30 years house value mightttt be double, but it also might be worth half of its original value which is 500k. For me I would consider if it’s my first house, but if it’s for investment, I think it’s a No.

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2025-03-13 02:33

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Adrian Leong
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發文後	用戶	內容
2 小時內	David itzdavidhoo	This is something not many will talk about. Most people think : house = assest which appreciates overtime. But not accounting the fact that a house is only an asset if it generates you income, and they don’t take into consideration the amount of interest paid over the loan tenure. Like you said, sure the house may double the value, but so does the total amount you paid in addition to the interest of the loan
2 小時內	ADW aphollymama	How do the average afford to fully paid the house upfront?
4 小時內	Edwin Xan edwinxan1	Just rent then
7 小時內	Roslan Nazri roslan_nazri	Buy with ur own cash lor dont take mortgage loan
16 小時內	Wayne Tan fcwaynetan_ecvi	What if you can rent out to offset the instalment and let the tenantS pay the instalment for the next 30 years?
一天內	Shin Teh shin_teh	Properties is no longer a good investment