ETP Property, Level 27, Penthouse, Centre Point North Tower, Lingkara Syed Putra, Midvalley City, Kuala Lumpur (2026)

27/11/2025

Bangsar’s first new residential launch since 2017 — modern living, now within reach. Own a 3-room home in the heart of Jalan Maarof, surrounded by lifestyle hubs like BSC, Telawi & APW.

✅ Spacious Layouts Up to 1500 sqft
✅ Free Downpayment
✅ Free Furnished (Signature Kitchen, Bathtub)
📍 400M Walk to Bangsar LRT & Telawi District
📍 Close to Mid Valley City & KL Sentral

Register now for the latest promotions and full details!

10/06/2024

EPISODE 3: 为什么是 ELR, SBR, OPR & SPREAD？📈(更新2/6/2024)

OPR对经济有几个重要影响：
✅借贷成本 (Cost of Borrowing): 当 OPR 调整时，它会影响银行的借贷成本。更高的 OPR 意味着银行借贷成本更高，这通常会通过更高的贷款和抵押贷款利率传递给消费者和企业。

✅储蓄利率 (Savings Rates) 💰: OPR 的变化也会影响储蓄账户和定期存款的利率。更高的 OPR 通常会带来更高的储蓄回报。

✅通胀控制 (Inflation Control) 📉: 通过调整 OPR，BNM 可以影响通胀水平。例如，提高 OPR 可以帮助冷却过热的经济，抑制通胀，而降低 OPR 可以通过降低借贷成本来刺激经济活动。

✅汇率 (Exchange Rates) 💹: OPR 也会影响马来西亚林吉特的价值。更高的利率通常会吸引外国投资，从而增强货币。

最近的 OPR 调整 🔄
在 2023 年 5 月 3 日，马来西亚国家银行宣布将隔夜政策利率从 2.75% 上调至 3.00%。这次调整是中央银行为管理通胀压力和确保可持续经济增长所做的努力的一部分。

对消费者的影响 🏠
🌱更高的贷款还款 (Higher Loan Repayments) 📈: 随着银行面临更高的借贷成本，他们可能会提高贷款利率，包括住房贷款利率。这意味着拥有浮动利率抵押贷款的消费者可能会看到他们的每月还款额增加。

🌱再融资考虑 (Refinancing Considerations)💡: 房主可能会考虑再融资他们的贷款，以获得更优惠的条款或固定利率，以减轻利率上升的影响。

🌱预算调整 (Budget Adjustments) 📝: 消费者可能需要重新评估他们的预算，以适应更高的贷款还款。这可能涉及削减可自由支配的开支或寻找额外的收入来源。

🌱投资回报 (Investment Returns) 📊: 从积极的方面来看，更高的 OPR 可以带来更好的储蓄和定期存款回报，惠及那些有大量储蓄的人。

#贷款 #大马房地产

05/04/2024

𝐄𝐏𝟏𝟕: 𝐄𝐱𝐩𝐥𝐨𝐫𝐢𝐧𝐠 𝐇𝐨𝐮𝐬𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐢𝐧 𝐌𝐚𝐥𝐚𝐲𝐬𝐢𝐚 . Are you safeguarding your most precious asset? The recent 7.4 magnitude earthquake near Hualien underscores the importance of realizing that home is more than just bricks and mortar. Unforeseen events can turn your sanctuary into a nightmare if you’re not prepared. That’s where house insurance comes in to save the day.

(𝟏) 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐀𝐠𝐚𝐢𝐧𝐬𝐭 𝐍𝐚𝐭𝐮𝐫𝐚𝐥 𝐃𝐢𝐬𝐚𝐬𝐭𝐞𝐫𝐬: Malaysia is no stranger to natural disasters like floods and landslides, especially during the monsoon seasons. House insurance provides financial protection against damages caused by these calamities, ensuring that you can rebuild and recover without draining your savings.

(𝟐) 𝐂𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐟𝐨𝐫 𝐁𝐮𝐫𝐠𝐥𝐚𝐫𝐢𝐞𝐬 𝐚𝐧𝐝 𝐓𝐡𝐞𝐟𝐭: Home invasions and burglaries can shatter your sense of security and leave you with significant losses. With house insurance, you can rest easy knowing that your belongings are covered, allowing you to replace stolen items and repair any damages to your property.

(𝟑) 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐒𝐞𝐜𝐮𝐫𝐢𝐭𝐲 𝐟𝐨𝐫 𝐅𝐢𝐫𝐞 𝐃𝐚𝐦𝐚𝐠𝐞: Fires can occur unexpectedly and spread rapidly, causing extensive damage to your home and belongings. House insurance provides coverage for fire-related losses, including structural damage and the cost of replacing damaged items, helping you get back on your feet after a devastating event.

(𝟒) 𝐋𝐢𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧: Accidents can happen anywhere. House insurance offers liability coverage, protecting you from legal expenses and medical bills.

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐞𝐝𝐮𝐜𝐢𝐧𝐠 𝐓𝐞𝐫𝐦 𝐀𝐬𝐬𝐮𝐫𝐚𝐧𝐜𝐞 (𝐌𝐑𝐓𝐀) 𝐚𝐧𝐝 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐋𝐞𝐯𝐞𝐥 𝐓𝐞𝐫𝐦 𝐀𝐬𝐬𝐮𝐫𝐚𝐧𝐜𝐞 (𝐌𝐋𝐓𝐀), the most common types of insurance for homeowners in Malaysia. These policies help settle outstanding mortgage loans in the event of death or total permanent disability, providing financial security for your loved ones.

Do you think house insurance is important?

26/10/2023

𝐄𝐏𝟏𝟔: 𝐓𝐡𝐞 𝐌𝐢𝐥𝐥𝐞𝐧𝐧𝐢𝐚𝐥𝐬 𝐇𝐨𝐮𝐬𝐢𝐧𝐠 𝐀𝐟𝐟𝐨𝐫𝐝𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐂𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞. In an era characterized by global economic uncertainties and Malaysia's ongoing path to recovery, it is imperative to shed light on four pivotal trends that will continue to exert significant influence on the real estate market.

At the core of this trend is a major demographic shift in Malaysia. According to the 2022 Current Population Estimates from the DOSM, more than half of Malaysia's population, approximately 17.3 million, falls within the 𝟏𝟎 𝐭𝐨 𝟒𝟎-𝐲𝐞𝐚𝐫-𝐨𝐥𝐝 𝐚𝐠𝐞 𝐠𝐫𝐨𝐮𝐩, 𝐰𝐢𝐭𝐡 𝐚 𝐦𝐞𝐝𝐢𝐚𝐧 𝐚𝐠𝐞 𝐨𝐟 𝟑𝟎.𝟑. This highlights a significant change, with a substantial part of Malaysia's population comprising millennials, typically born between 1981 and 1996. These millennials will have a profound impact on the real estate market for the 𝐧𝐞𝐱𝐭 𝐟𝐢𝐯𝐞 𝐲𝐞𝐚𝐫𝐬.

(𝟏) 𝐍𝐚𝐯𝐢𝐠𝐚𝐭𝐢𝐧𝐠 𝐄𝐜𝐨𝐧𝐨𝐦𝐢𝐜 𝐔𝐧𝐜𝐞𝐫𝐭𝐚𝐢𝐧𝐭𝐲 𝐚𝐧𝐝 𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐑𝐚𝐭𝐞 𝐇𝐢𝐤𝐞𝐬: In the face of a globally uncertain economic outlook, compounded by the possibility of rising interest rates, millennials find themselves in a state of apprehension as they contemplate substantial financial commitments like home purchases.

(𝟐) 𝐂𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞𝐬 𝐢𝐧 𝐭𝐡𝐞 𝐅𝐚𝐜𝐞 𝐨𝐟 𝐑𝐢𝐬𝐢𝐧𝐠 𝐇𝐨𝐮𝐬𝐢𝐧𝐠 𝐂𝐨𝐬𝐭𝐬: With property prices on the rise, the increasing cost of living, the specter of inflation, and the depreciation of the RM, homeownership becomes an even more distant dream.

(𝟑) 𝐃𝐞𝐛𝐭 𝐓𝐞𝐦𝐩𝐭𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐒𝐭𝐫𝐞𝐬𝐬: The alluring appeal of contemporary luxuries, the seductive nature of "pay-now-spend-later" schemes, and the constant enticement for consumers to embrace monthly installment plans, particularly for coveted items like the latest iPhone, all contribute to the burden of debt faced by this generation.

(𝟒) 𝐈𝐧𝐜𝐨𝐦𝐞 𝐃𝐢𝐬𝐜𝐫𝐞𝐩𝐚𝐧𝐜𝐲 𝐚𝐧𝐝 𝐄𝐚𝐫𝐧𝐢𝐧𝐠𝐬 𝐒𝐭𝐚𝐠𝐧𝐚𝐭𝐢𝐨𝐧: Millennials often face unequal incomes, and their earnings stay the same for a long time. This makes it hard for them to afford the rising costs of owning a home.

In conclusion, the housing affordability challenge faced by millennials in Malaysia is a significant issue. Economic uncertainties, rising housing costs, debt burdens, and stagnant incomes make owning a home a difficult goal for many. Addressing these challenges is essential to ensure that millennials can achieve homeownership in the years to come.

16/09/2023

Today, we celebrate the significance of September 16th, the day when Malaysia was founded in 1963, uniting Peninsular Malaysia, Sabah and Sarawak. It's a reminder of our unity in diversity, or 'Perpaduan,' which defines our Malaysian identity.

Our nation thrives on the strength of its multiculturalism, where diverse traditions, languages, and customs come together under one flag. As we mark this day, let's cherish the values of respect, tolerance, and understanding that bind us.

Here's to the land we proudly call home, where harmony prevails and dreams take flight. Happy Malaysia Day! 🇲🇾🏡

21/06/2023

𝐄𝐏𝟏𝟒: 𝐍𝐚𝐯𝐢𝐠𝐚𝐭𝐢𝐧𝐠 𝐂𝐮𝐫𝐫𝐞𝐧𝐜𝐲 𝐃𝐞𝐩𝐫𝐞𝐜𝐢𝐚𝐭𝐢𝐨𝐧: Implications for Malaysia's Property Market. If the value of your money today is lower than tomorrow. For instance, the Malaysian currency, the Ringgit, on Wednesday, reached a new seven-month low, trading at 4.65 against the dollar, approaching its weakest levels since January 1998. 📉In this article, we will examine the current market situation, discuss potential measures that can be taken, and analyze how the property market reacts to currency depreciation.

𝐈𝐧𝐟𝐥𝐚𝐭𝐢𝐨𝐧: 💰As the value of the Ringgit diminishes, the cost of imported goods and services increases, resulting in a rise in overall prices. Inflation erodes the purchasing power of money, affecting consumers' ability to afford properties.

𝐈𝐦𝐩𝐨𝐫𝐭 𝐂𝐨𝐬𝐭𝐬: The depreciation of the Ringgit can have a direct impact on property development costs. As the currency weakens, the prices of imported construction materials and other inputs rise, subsequently increasing the overall cost of property development. This surge in costs may exert pressure on property developers, potentially leading to higher property prices in the market.

𝐅𝐨𝐫𝐞𝐢𝐠𝐧 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭: The devaluation of a currency can make a country's assets, including properties, more affordable for foreign investors. The lower cost of properties due to the weakened Ringgit may attract foreign buyers seeking investment opportunities.

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐚𝐭𝐞𝐬: 🏦Currency depreciation often leads to concerns about inflation and economic stability. To curb inflationary pressures, central banks may increase interest rates. Higher interest rates can affect mortgage borrowing costs, making it more expensive for individuals to finance property purchases. As a result, potential buyers may face higher mortgage rates, potentially impacting their purchasing power and dampening demand in the property market.

Additionally, the decline in the value of Malaysia's currency, the Ringgit, presents both opportunities and risks for investors in the property market. 🆚What is your call in the current market?

22/05/2023

Ep13: Battle Against the Heat: Asia Braces for Intensified Temperatures as El Nino Approaches.

Two buildings have caught fire in the past seven days: Midvalley Kuala Lumpur and KWSP Petaling Jaya today.🚒👩‍🚒 With the aim of combating the hot weather season and conserving energy, here are some effective tips to help navigate through the impending 𝐡𝐞𝐚𝐭𝐰𝐚𝐯𝐞.

(𝟏) 𝐂𝐫𝐞𝐚𝐭𝐞 𝐚 𝐂𝐨𝐨𝐥𝐢𝐧𝐠 𝐄𝐧𝐯𝐢𝐫𝐨𝐧𝐦𝐞𝐧𝐭: During the hottest parts of the day, close curtains or blinds to block out direct sunlight. Efficiently use fans or air conditioners to circulate cool air. If you use an air conditioner, ensure it is well-maintained and set at an optimal temperature to conserve energy. Consider setting the temperature between 𝟐𝟒 𝐭𝐨 𝟐𝟔 𝐝𝐞𝐠𝐫𝐞𝐞𝐬 𝐂𝐞𝐥𝐬𝐢𝐮𝐬 for a balance between comfort and energy efficiency.🌡️

(𝟐) 𝐄𝐧𝐞𝐫𝐠𝐲 𝐂𝐨𝐧𝐬𝐞𝐫𝐯𝐚𝐭𝐢𝐨𝐧: Consider natural ventilation methods, like opening windows and using ceiling or portable fans, instead of relying solely on air conditioning. When using the air conditioner, choose models with a 5-star rating label, indicating higher energy efficiency. 🌟

(𝟑) 𝐂𝐨𝐧𝐬𝐢𝐝𝐞𝐫 𝐂𝐨𝐨𝐥𝐢𝐧𝐠 𝐂𝐚𝐩𝐚𝐜𝐢𝐭𝐲: When selecting an air conditioner, consider its cooling capacity in relation to the size of the room. Cooling capacity refers to the total amount of heat removed from a closed space per unit of time. Air conditioners with higher cooling capacity are suitable for larger rooms and cool the space faster. Match the cooling capacity with the corresponding room area to optimize energy efficiency. For example, a room or bedroom with an area less than 𝟒𝟓𝟎 𝐬𝐪𝐟𝐭 𝐢𝐬 𝐬𝐮𝐢𝐭𝐚𝐛𝐥𝐞 𝐟𝐨𝐫 𝟏𝐡𝐩, 𝟒𝟓𝟎-𝟓𝟓𝟎 𝐬𝐪𝐟𝐭 𝟏.𝟓𝐡𝐩, 𝟓𝟓𝟎 𝐭𝐨 𝟏𝟎𝟎𝟎 𝐬𝐪𝐟𝐭 𝟐𝐡𝐩, 𝟏𝟎𝟎𝟎-𝟏𝟓𝟎𝟎 𝐬𝐪𝐟𝐭 𝟑𝐡𝐩 𝐚𝐢𝐫 𝐜𝐨𝐧𝐝𝐢𝐭𝐢𝐨𝐧𝐞𝐫 𝐮𝐧𝐢𝐭. 🌬️

As Asia prepares for the impending El Nino and the potential rise in temperatures, proactive measures must be taken by both the government and individuals to minimize its impact. Stay tuned with us for more property news and updates.

16/05/2023

EP12: No Pain, No Gain: Strategies for Property Owners in a High-Interest Rate Era

As interest rates climb, property owners face the challenge of higher monthly installments. Malaysia's interest history from 1996 to 2022 averaged at 6%. Currently, the interest rate is relatively low at 4%. If you think property is unaffordable now, it's worth noting that Malaysia experienced its all-time record high interest rate of 13.5% in 1998, just for your information. In today's news, Argentina serves as an example of the potential consequences of high-interest rates. To combat soaring inflation, the country experienced a significant increase in interest rates, skyrocketing to 97%. 😱‼️To navigate and thrive in such circumstances, it is crucial to adopt proactive strategies.

(𝟏) 𝐀𝐬𝐬𝐞𝐬𝐬 𝐲𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐢𝐭𝐮𝐚𝐭𝐢𝐨𝐧: Review your income, expenses, and debts to gauge your ability to handle increased payments and identify areas for improvement.✅
(𝟐) 𝐑𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐞𝐱𝐢𝐬𝐭𝐢𝐧𝐠 𝐥𝐨𝐚𝐧𝐬: Look for opportunities to secure lower interest rates and favourable terms by refinancing existing loans.
(𝟑) 𝐈𝐧𝐜𝐫𝐞𝐚𝐬𝐞 𝐝𝐨𝐰𝐧 𝐩𝐚𝐲𝐦𝐞𝐧𝐭: Making a larger down payment when purchasing property reduces the loan amount and lessens the impact of interest rate fluctuations.
(𝟒) 𝐄𝐱𝐩𝐥𝐨𝐫𝐞 𝐚𝐥𝐭𝐞𝐫𝐧𝐚𝐭𝐢𝐯𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 𝐨𝐩𝐭𝐢𝐨𝐧𝐬: 👍🏻Research government-backed loans or programs like Houzkey Maybank, CIMB StepUp Loan, and Affin iFinancing.
(𝟓) 𝐁𝐮𝐝𝐠𝐞𝐭 𝐟𝐨𝐫 𝐡𝐢𝐠𝐡𝐞𝐫 𝐜𝐨𝐬𝐭𝐬: Prepare a revised budget considering the higher monthly payments resulting from increased interest rates.

In conclusion, despite the high interest rates, buying a house in Malaysia is a better long-term option than renting due to the 𝐜𝐨𝐮𝐧𝐭𝐫𝐲'𝐬 𝐠𝐫𝐨𝐰𝐢𝐧𝐠 𝐩𝐨𝐩𝐮𝐥𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐜𝐨𝐧𝐭𝐢𝐧𝐮𝐞𝐝 𝐝𝐞𝐦𝐚𝐧𝐝 𝐟𝐨𝐫 𝐩𝐫𝐢𝐦𝐞 𝐚𝐫𝐞𝐚𝐬. 🏠 The potential for property value appreciation, the sense of ownership and stability, and the opportunity to build equity outweigh the challenges posed by high interest rates. Stay tuned with us for more property news and updates.

10/05/2023

EP11: The Importance of Compliance with Regulations when Dismantling Load-Bearing Walls

In the Songbei district of Harbin City, Heilongjiang Province, China, a 31-story residential building had to be evacuated urgently after a resident on the third floor damaged a load-bearing wall to build a gym. The wall cracked, and more than 240 households were left homeless overnight. The estimated loss from the disaster is approximately 168 million yuan (around 182.3 million Malaysian ringgit).

The cause of the incident was the resident's decision to damage a load-bearing wall in order to build a gym. 🪚The lack of awareness about the importance of load-bearing walls also played a role in the incident. Load-bearing walls are essential in supporting the weight of the building and ensuring its structural stability. Damaging such walls can lead to severe consequences, including building collapse.💣

In Malaysia, the dismantling of load-bearing walls is governed by the 𝐔𝐧𝐢𝐟𝐨𝐫𝐦 𝐁𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐁𝐲-𝐋𝐚𝐰𝐬 𝟏𝟗𝟖𝟒 (𝐔𝐁𝐁𝐋). 🛠️Under the UBBL, any person intending to carry out works that affect the structural stability of a building, including the dismantling of load-bearing walls, must obtain approval from the local authority or a relevant professional engineer. Failure to comply with the regulations and carry out the works without the necessary approvals may result in penalties and consequences.

The amount of the fine for dismantling load-bearing walls without the necessary approvals or following proper procedures varies depending on the severity of the offense and the jurisdiction of the local authority. For example, under the UBBL, a person who carries out works affecting the structural stability of a building without obtaining approval from the local authority can be fined up to ❗️ 𝐑𝐌𝟐𝟓𝟎,𝟎𝟎𝟎 𝐨𝐫 𝐢𝐦𝐩𝐫𝐢𝐬𝐨𝐧𝐞𝐝 𝐟𝐨𝐫 𝐮𝐩 𝐭𝐨 𝐭𝐰𝐨 𝐲𝐞𝐚𝐫𝐬, or both. In addition, the person may also be required to bear ‼️ 𝐭𝐡𝐞 𝐜𝐨𝐬𝐭𝐬 𝐨𝐟 𝐫𝐞𝐢𝐧𝐬𝐭𝐚𝐭𝐢𝐧𝐠 𝐭𝐡𝐞 𝐚𝐟𝐟𝐞𝐜𝐭𝐞𝐝 𝐛𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐨𝐫 𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞 𝐭𝐨 𝐢𝐭𝐬 𝐨𝐫𝐢𝐠𝐢𝐧𝐚𝐥 𝐬𝐭𝐚𝐭𝐞.

Stay tuned with us for more property news and updates.

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