Property Newbie Jason Master Just bought my first rumah, still shell-shock from S&P and legal fee, I share the mistakes.
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Money & EPF
The math only works over a long horizon, minimum 10-15 years, because early years your instalment is mostly interest and the compounding needs time to shine. If you might need the cash out in a few years, dont do it. I did the loan young, set it and forget it, and by year 10 the units had grown nicely. Discipline is the real product, it forces you to invest monthly whether you like it or not.
All answers (8) I let mine lapse 6 months once. Renewed on MyEG no drama, they didn't charge extra penalty for the road tax itself, I just paid th…
Some contractual bonus (guaranteed 13th month) is different from discretionary bonus. Contractual one you may be able to claim pro…
I settled mine 3 years into a 7-year loan. Requested the settlement letter from bank, the rebate was decent because still quite a …
Mine failed until I realised my auto-reload threshold too low and balance sometimes kosong at toll. Turned on GO+ (the one that ac…
Done it many times on MyEG, totally fine. The service charge is small and clearly stated, no hidden nonsense. I renew 5 years at o…
Real talk, a phone is a depreciating gadget not an asset. The bigger question is are you upgrading too often. I keep phones 4-5 ye…
Check your specific contract and handbook wording, not just what HR verbally says. Some contracts DO provide for encashment of unu…