{"id":16356,"date":"2026-04-25T02:44:23","date_gmt":"2026-04-24T18:44:23","guid":{"rendered":"https:\/\/speedhome.com\/blog\/?p=16356"},"modified":"2026-05-02T22:33:26","modified_gmt":"2026-05-02T14:33:26","slug":"property_investment_malaysia_expert_tips_2021","status":"publish","type":"post","link":"https:\/\/speedhome.com\/blog\/property_investment_malaysia_expert_tips_2021\/","title":{"rendered":"Property Investment Malaysia: Expert Tips (2026 Update)"},"content":{"rendered":"\n

Malaysian property investment requires a 10% down payment plus 8\u201310% in transaction fees before earning a single ringgit. Net rental yields in KL average 3\u20135% \u2014 below the 4% Overnight Policy Rate \u2014 meaning leveraged investments are cash-flow negative without capital appreciation. The investors who profit focus on low-vacancy LRT\/MRT corridors, verified tenant demand, and positive cash flow first. Speculation on capital gains alone has historically underperformed in oversupplied submarkets like Cyberjaya and Iskandar.<\/strong><\/p>\n\n\n\n

Thinking about making a profit from property investment or real estate and not sure if it\u2019s profitable? We know you\u2019re looking to boost your passive income, and yes, it can be lucratively profitable if done right.<\/p>\n\n\n\n

Here we have proven tips from a property investment expert, Mark Chua, to help you make an informed decision on property investment plus personal finance. <\/p>\n\n\n\n

Mark is an executive director in the financial services industry. He’s a property enthusiast who prefers boring and mundane investments over sexy and exciting ones. He has a contrarian view on investments that challenges the status quo, and here are his tips for those looking to invest in properties.<\/p>\n\n\n\n

*Disclaimer: The views expressed are entirely his own and based on his observation and experience.<\/strong><\/em><\/p>\n\n\n\n

COVID-19 Property Investment Plan<\/h2>\n\n\n\n
\"Real<\/figure>\n\n\n\n

Investing during covid is different from investing before covid. With movement restrictions limiting international and regional tourism, not to mention crippling consumer sentiment and restricted interest from international investors in Malaysian properties as compared to before the pandemic, shows that the property industry in the country is experiencing a slump. <\/p>\n\n\n\n

With that said, should you invest in property or real estate in 2021? Yes, you should! Take this opportunity to purchase properties at a higher value and a cheaper price. As a result of the slowdown, property developers are providing buyers with more value than ever to ensure they sell off the unsold units that are causing an oversupply in the property market.<\/p>\n\n\n\n

Additionally, decreasing asking prices, government initiatives injected to encourage purchasing, low-interest rates powered by BNM’s (Bank Negara Malaysia) Overnight Policy Rate (OPR)<\/a>, which currently stands at 1.75% and the return of the Home Ownership Campaign (HOC) make it a favourable environment for property investors in the country. But how do you navigate through the pandemic market? Here are some tips from Mark Chua to help you make good decisions.<\/p>\n\n\n\n

Be Careful of Cheap properties<\/h3>\n\n\n\n

The pandemic has taught us to be wary of \u201ccheap properties\u201d introduced by \u201cexperts\u201d to their followers. Sometimes, \u201ccheap\u201d properties or a house in new suburbs can remain cheap forever, with zero upsides. E.g. A branded development in Semenyih is most likely going to have a sterile and mundane valuation for a long time.<\/p>\n\n\n\n

Be careful of the phrase \u201cbelow market value\u201d \u2013 Blue-chip or Investment-grade properties because they are rarely undervalued. People could just be throwing prices to get rid of a dud. <\/p>\n\n\n\n

Don\u2019t Focus Solely on Chasing Infrastructure<\/h3>\n\n\n\n

Follow the Infrastructure? No, your investment does not have to revolve solely around infrastructures! That\u2019s an outdated concept, and you would not pay an exorbitant price for a house just to get access to the MRT. <\/p>\n\n\n\n

The Covid-19 outbreak has changed our world. People will do their best to avoid crowded spaces like public transportations. WFH will be a new established norm, with less dependency on transportation and a more balanced focus on lifestyle.<\/p>\n\n\n\n

Don’t Consider Landed vs High-Rise Property<\/h3>\n\n\n\n

The question has always been whether landed properties are better than high-rise properties. But this should not be the focus anymore. The Covid-19 has taught us those low-density residential properties carry a higher capital appreciation premium due to social distancing. <\/p>\n\n\n\n

Suddenly, a three-thousand-unit behemoth condominium stacked up in 60 stories isn\u2019t as attractive anymore. The lower the density, the better people, can practice social distancing and thus less risk for the covid-19 to spread within the community. That\u2019s why lower density properties are becoming more and more attractive. <\/p>\n\n\n\n

Focus On Capital Growth and Balance Against Cash Flow<\/h3>\n\n\n\n

Many people think they can get \u201crich\u201d from positive cash flow properties. With respect \u2013 that\u2019s just a fantasy. Even if you get ten positive cash flow properties of RM 500 each, that\u2019s just RM 5K in total (10 properties x RM 500). Not exactly an inspiring amount. <\/p>\n\n\n\n

The advice here is to focus on capital growth properties and balancing them against cash flow positive apartments. Remember this Golden rule – Cash Flow keeps you in the Game, but Capital Growth gets you out of the rat race. <\/p>\n\n\n\n

Property Investment Action Plan based on \u201cOpen Secrets\u201d<\/strong><\/h2>\n\n\n\n

2026 Market Context for Property Investors<\/h2>\n\n\n\n

Last Updated: April 2026<\/strong> \u2014 The expert tips above remain sound investment principles. Here is how they apply in the current market:<\/p>\n\n\n\n