https://iherng-journal.pages.dev 2026-10-09T12:00:00.000Z weekly 1.0 https://iherng-journal.pages.dev/property-reviews 2026-10-09T12:00:00.000Z weekly 0.8 https://iherng-journal.pages.dev/iherng-podcast 2026-10-07T12:00:00.000Z weekly 0.8 https://iherng-journal.pages.dev/buyer-guides 2026-06-08T12:00:00.000Z weekly 0.8 https://iherng-journal.pages.dev/calculator 2026-10-09T12:00:00.000Z monthly 0.6 https://iherng-journal.pages.dev/rental-calculator 2026-10-09T12:00:00.000Z monthly 0.6 https://iherng-journal.pages.dev/ask 2026-10-09T12:00:00.000Z monthly 0.6 https://iherng-journal.pages.dev/articles/timurbay-seafront-residence-kuantan 2026-10-09T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/2ruulZZWXHU/maxresdefault.jpg https://i.ytimg.com/vi/2ruulZZWXHU/maxresdefault.jpg PROPERTY REVIEW #474 | TIMURBAY SEAFRONT RESIDENCE, KUANTAN A seafront project in Kuantan built for holiday stays, with steps from the pool deck to the sand. Sean stays a night to see how it holds up seven years on. https://www.youtube-nocookie.com/embed/2ruulZZWXHU 2026 2026-10-09T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/second-property-vs-equities 2026-10-07T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/zcbdQZMDRi4/maxresdefault.jpg https://i.ytimg.com/vi/zcbdQZMDRi4/maxresdefault.jpg ASKING SEAN #323 | WHEN DENSITY TOO HIGH AND BUILDING TOO OLD A 32-year-old government officer already owns a Klang Valley unit and invests in global equities. He asks whether two new projects with rebates are really good deals, or just sales tactics. https://www.youtube-nocookie.com/embed/zcbdQZMDRi4 2383 2026-10-07T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/teja-subang-jaya 2026-10-04T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/XGMyXRq6nfk/maxresdefault.jpg https://i.ytimg.com/vi/XGMyXRq6nfk/maxresdefault.jpg PROPERTY REVIEW #473 | TEJA, SUBANG JAYA Sean returns to a project he saw at launch, now completed, to check whether it lived up to the sales gallery. It did, and its rents have kept climbing. https://www.youtube-nocookie.com/embed/XGMyXRq6nfk 2339 2026-10-04T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/new-baby-investment-strategy 2026-09-30T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/od4RCkDrKpo/maxresdefault.jpg https://i.ytimg.com/vi/od4RCkDrKpo/maxresdefault.jpg ASKING SEAN #322 | NEW BABY CHANGED INVESTMENT STRATEGY A couple bought a new condo as their first home, but their first child arrives as it is handed over. Sean explains why he would rent it out and stay with family for now. https://www.youtube-nocookie.com/embed/od4RCkDrKpo 2254 2026-09-30T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/selayang-mulia-selayang 2026-09-26T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/hu78VlB7Xrw/maxresdefault.jpg https://i.ytimg.com/vi/hu78VlB7Xrw/maxresdefault.jpg PROPERTY REVIEW #472 | SELAYANG MULIA, SELAYANG A new developer is finishing an abandoned taman on a mountainside near Batu Caves, with terrace homes from RM650,000. Sean sees why buyers queued for it. https://www.youtube-nocookie.com/embed/hu78VlB7Xrw 2796 2026-09-26T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/cancelled-booking-fomo 2026-09-23T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/6HD9woqbgqw/maxresdefault.jpg https://i.ytimg.com/vi/6HD9woqbgqw/maxresdefault.jpg ASKING SEAN #321 | CANCELLED BOOKING DUE TO FOMO A 25-year-old booked a RM640,000 unit on a promised 15% return, then cancelled. Sean explains why that was right, and how to tell what you can actually afford. https://www.youtube-nocookie.com/embed/6HD9woqbgqw 2382 2026-09-23T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/dorsett-waterfront-subang-subang-jaya 2026-09-21T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/UTL9GtyhfrQ/maxresdefault.jpg https://i.ytimg.com/vi/UTL9GtyhfrQ/maxresdefault.jpg PROPERTY REVIEW #471 | DORSETT WATERFRONT SUBANG, SUBANG JAYA A Subang Jaya high-rise beside Dorsett Grand, facing the Subang Ria lake park, designed for short and medium stays rather than own-stay families. https://www.youtube-nocookie.com/embed/UTL9GtyhfrQ 2377 2026-09-21T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/residensi-ava-kiara-bay 2026-09-16T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/jsvm2zXAIxU/maxresdefault.jpg https://i.ytimg.com/vi/jsvm2zXAIxU/maxresdefault.jpg PROPERTY REVIEW #470 | RESIDENSI AVA, KIARA BAY The first phase of the Kiara Bay township in Kepong: two towers with only six units a side per floor, generous four-bedroom layouts and a facility deck on top of the car park. https://www.youtube-nocookie.com/embed/jsvm2zXAIxU 2670 2026-09-16T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/six-properties-hold-or-sell 2026-09-14T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/uhZqOPA4YbM/maxresdefault.jpg https://i.ytimg.com/vi/uhZqOPA4YbM/maxresdefault.jpg ASKING SEAN #320 | AFTER 6 PROPERTIES, CONTINUE BUILDING OR TO START SELLING? A couple in their 40s own a home and five rented units, all with positive cash flow. Sean explains how to decide whether to sell, hold or keep buying, starting with what the cash is for. https://www.youtube-nocookie.com/embed/uhZqOPA4YbM 1772 2026-09-14T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/dedaun-rimba-kwasa-damansara 2026-09-07T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/cl4456FxoZw/maxresdefault.jpg https://i.ytimg.com/vi/cl4456FxoZw/maxresdefault.jpg PROPERTY REVIEW #469 | DEDAUN RIMBA, KWASA DAMANSARA The first completed homes in a long-hyped master plan arrive with the roads, parks and MRT already finished — and with the compromises a townhouse always carries. https://www.youtube-nocookie.com/embed/cl4456FxoZw 2130 2026-09-07T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/centrum-iris-brinchang 2026-09-05T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/Cpsk2LVZfdk/maxresdefault.jpg https://i.ytimg.com/vi/Cpsk2LVZfdk/maxresdefault.jpg PROPERTY REVIEW #468 | CENTRUM IRIS, BRINCHANG A serviced residence over shops in the Cameron Centrum township, designed for holiday stays with a heated pool and a rooftop of cafes and a sky gym. https://www.youtube-nocookie.com/embed/Cpsk2LVZfdk 1601 2026-09-05T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/osk-areca-nilai 2026-08-30T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/WijWe6XU9YY/maxresdefault.jpg https://i.ytimg.com/vi/WijWe6XU9YY/maxresdefault.jpg PROPERTY REVIEW #467 | OSK ARECA, NILAI A purely residential project under construction in Bandar Baru Nilai, built around the town's universities and industrial parks. Sean looks at who it suits, and who it doesn't. https://www.youtube-nocookie.com/embed/WijWe6XU9YY 1840 2026-08-30T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/parents-paying-half-for-house 2026-08-28T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/vgJdJVjL4e4/maxresdefault.jpg https://i.ytimg.com/vi/vgJdJVjL4e4/maxresdefault.jpg ASKING SEAN #318 | MY PARENTS ARE PAYING HALF FOR MY HOUSE A first-time investor's parents will pay half the price, but only for a home to live in. Sean explains how to protect a one-income household and handle the condition. https://www.youtube-nocookie.com/embed/vgJdJVjL4e4 1564 2026-08-28T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/dian-ii-residency-shah-alam 2026-08-27T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/9vYwnUIOwEU/maxresdefault.jpg https://i.ytimg.com/vi/9vYwnUIOwEU/maxresdefault.jpg PROPERTY REVIEW #466 | DIAN II RESIDENCY, SHAH ALAM A Shah Alam project buyers once doubted, now handed over. Sean finds a Balinese-themed facility deck and generous layouts, including a Rumah Selangorku unit sold at RM270,000. https://www.youtube-nocookie.com/embed/9vYwnUIOwEU 2554 2026-08-27T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/osk-ombak-kuantan 2026-08-22T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/_Q-FR6RNU10/maxresdefault.jpg https://i.ytimg.com/vi/_Q-FR6RNU10/maxresdefault.jpg PROPERTY REVIEW #465 | OSK OMBAK, KUANTAN The sold-out next phase beside Timurbay on Kuantan's coast. Sean looks at what the developer learned from its first project, and at the airport, rail line and industrial park changing the area. https://www.youtube-nocookie.com/embed/_Q-FR6RNU10 1748 2026-08-22T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/sfera-residence-wangsa-maju 2026-08-18T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/RZJQ7mg2Zy4/maxresdefault.jpg https://i.ytimg.com/vi/RZJQ7mg2Zy4/maxresdefault.jpg PROPERTY REVIEW #464 | SFERA RESIDENCE, WANGSA MAJU A completed tower above the mall's old car park, linked by bridge to Sunway Wangsa Mall and Sri Rampai LRT. Sean returns after seeing it at launch to check how it turned out. https://www.youtube-nocookie.com/embed/RZJQ7mg2Zy4 2333 2026-08-18T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/residensi-pitta-taman-miharja 2026-08-15T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/IqjkQ3i0oVg/maxresdefault.jpg https://i.ytimg.com/vi/IqjkQ3i0oVg/maxresdefault.jpg PROPERTY REVIEW #463 | RESIDENSI PITTA, TAMAN MIHARJA A newly handed-over RUMAWIP project next to Sunway Velocity. Sean tours an owner's three-bedroom unit, priced at RM300,000, and finds common areas that feel like a market-priced condo's. https://www.youtube-nocookie.com/embed/IqjkQ3i0oVg 2075 2026-08-15T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/one-seputeh-kuala-lumpur 2026-08-08T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/TaNFg6s1xfY/maxresdefault.jpg https://i.ytimg.com/vi/TaNFg6s1xfY/maxresdefault.jpg PROPERTY REVIEW #462 | ONE SEPUTEH, KUALA LUMPUR A new single-tower launch of 383 units off Jalan Syed Putra, a short drive from KL Sentral and Mid Valley. Sean looks at its dual-key layouts, its rooftop and its unusual neighbours. https://www.youtube-nocookie.com/embed/TaNFg6s1xfY 1738 2026-08-08T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/senna-heights-damansara-damai 2026-08-05T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/T59Ke7S1CwM/maxresdefault.jpg https://i.ytimg.com/vi/T59Ke7S1CwM/maxresdefault.jpg PROPERTY REVIEW #461 | SENNA HEIGHTS, DAMANSARA DAMAI A new two-tower launch that will be the tallest in Damansara Damai, ringed by forest reserve. Sean drives the morning rush first, then tours a 1,464 sq ft family layout. https://www.youtube-nocookie.com/embed/T59Ke7S1CwM 2401 2026-08-05T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/nestree-residence-pantai-sentral-park 2026-08-02T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/4hpM5lXsqZg/maxresdefault.jpg https://i.ytimg.com/vi/4hpM5lXsqZg/maxresdefault.jpg PROPERTY REVIEW #460 | NESTREE RESIDENCE, PANTAI SENTRAL PARK A newly completed condo in Pantai Sentral Park, next to Bangsar South. Sean tours an owner's four-bedroom corner unit and finds a design-led deck, with a few flaws. https://www.youtube-nocookie.com/embed/4hpM5lXsqZg 2347 2026-08-02T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/singapore-pr-malaysia-property 2026-07-28T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/lx0q_bJwvIE/maxresdefault.jpg https://i.ytimg.com/vi/lx0q_bJwvIE/maxresdefault.jpg ASKING SEAN #317 | CHOOSING THE RIGHT PROPERTY IS HALF THE EQUATION A young engineer bought a Bukit Jalil unit, then got Singapore PR. Sean explains why he would rent out the whole unit, how to furnish it for the right tenant, and why there is no rush to come home. https://www.youtube-nocookie.com/embed/lx0q_bJwvIE 1587 2026-07-28T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/sunway-dhill-kota-damansara 2026-07-25T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/-dcfPuc4d6I/maxresdefault.jpg https://i.ytimg.com/vi/-dcfPuc4d6I/maxresdefault.jpg PROPERTY REVIEW #459 | SUNWAY D'HILL, KOTA DAMANSARA A completed mixed development backing onto a forest reserve, where the arrival sequence, the car park and the landscape deck all show a developer refining the same playbook. https://www.youtube-nocookie.com/embed/-dcfPuc4d6I 2418 2026-07-25T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/stalled-project-projek-sakit 2026-07-14T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/GQWJKrZZ2Eg/maxresdefault.jpg https://i.ytimg.com/vi/GQWJKrZZ2Eg/maxresdefault.jpg ASKING SEAN #316 | MY INVESTMENT IS NOW PROJEK SAKIT A buyer sees construction slowing and fears the project will be abandoned. Sean, a buyer in the same project, explains the difference between ailing and abandoned, and the real options for getting out or staying in. https://www.youtube-nocookie.com/embed/GQWJKrZZ2Eg 1319 2026-07-14T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/selling-fully-paid-properties-retirement 2026-07-10T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/ZrB02QDeJj8/maxresdefault.jpg https://i.ytimg.com/vi/ZrB02QDeJj8/maxresdefault.jpg ASKING SEAN #315 | START SELLING 10 FULLY PAID PROPERTIES A viewer about to retire owns ten debt-free condos in Penang and Singapore. Sean agrees with selling the Penang units, but warns that selling too many too fast can be taxed as a business. https://www.youtube-nocookie.com/embed/ZrB02QDeJj8 1180 2026-07-10T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/paid-off-home-next-generation 2026-06-30T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/79sTSTV0fU8/maxresdefault.jpg https://i.ytimg.com/vi/79sTSTV0fU8/maxresdefault.jpg ASKING SEAN #314 | LEAVING MORE THAN JUST PROPERTY BEHIND A mother in her 70s has mapped out what her daughter should do with their landed home after she passes. Sean explains why cash and careful plans may not serve the next generation. https://www.youtube-nocookie.com/embed/79sTSTV0fU8 1732 2026-06-30T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/unsold-units-near-completion 2026-06-08T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/S1gVhBu8u7Y/maxresdefault.jpg https://i.ytimg.com/vi/S1gVhBu8u7Y/maxresdefault.jpg ASKING SEAN #313 | ARE UNSOLD UNITS GOOD OR BAD? A first-time investor sees plenty of units still for sale in a project close to handover. Sean explains why developers end up with unsold stock, and when that works in a buyer's favour. https://www.youtube-nocookie.com/embed/S1gVhBu8u7Y 1833 2026-06-08T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/tenant-not-paying-rent 2026-05-25T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/Sq9b3uDQjzU/maxresdefault.jpg https://i.ytimg.com/vi/Sq9b3uDQjzU/maxresdefault.jpg WHAT CAN I DO WHEN MY TENANTS REFUSE TO PAY RENT? A tenant who stops paying but won't leave is every landlord's nightmare. Lawyer Tea explains the legal route Sean's viewers can take: a letter of demand, then a court distress order. https://www.youtube-nocookie.com/embed/Sq9b3uDQjzU 2275 2026-05-25T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/soho-booking-fee-third-property 2026-05-19T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/lwqTeteizVU/maxresdefault.jpg https://i.ytimg.com/vi/lwqTeteizVU/maxresdefault.jpg ASKING SEAN #312 | GIVING UP ON PROPERTY INVESTMENT A young investor expected an 85% loan on a SOHO unit, got 70% and walked away from the booking. Sean explains the title mix-up and how he buys a third property and beyond. https://www.youtube-nocookie.com/embed/lwqTeteizVU 1597 2026-05-19T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/will-and-property-inheritance 2026-05-09T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/cY2mOH6dTwI/maxresdefault.jpg https://i.ytimg.com/vi/cY2mOH6dTwI/maxresdefault.jpg What happens to my properties when I die? Property owners spend decades building a portfolio but rarely plan how it passes on. Two succession lawyers explain what happens with and without a will, and how to prepare one. https://www.youtube-nocookie.com/embed/cY2mOH6dTwI 3331 2026-05-09T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/staff-loan-condo-before-baby 2026-04-15T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/GbH24bNwcFE/maxresdefault.jpg https://i.ytimg.com/vi/GbH24bNwcFE/maxresdefault.jpg ASKING SEAN #310 | WHY SUFFER FOR A PROPERTY YOU DON'T NEED? A 31-year-old who commutes three hours a day has booked a condo near an MRT station on a cheap staff loan. Sean's advice takes a turn: keep the cash and sort out the commute and family plans first. https://www.youtube-nocookie.com/embed/GbH24bNwcFE 1669 2026-04-15T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/discount-price-still-losing-money 2026-04-02T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/-qxaAp04k-Y/maxresdefault.jpg https://i.ytimg.com/vi/-qxaAp04k-Y/maxresdefault.jpg ASKING SEAN #309 | BOUGHT AT DISCOUNT PRICE STILL LOSE MONEY A homeowner who bought "at a good rate" during COVID now struggles with the instalment and cannot find tenants. Sean explains why a discount is not a bargain, and how to decide whether to hold, rent or sell. https://www.youtube-nocookie.com/embed/-qxaAp04k-Y 1406 2026-04-02T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/allevia-mont-kiara 2025-10-26T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/GtovUptGuAg/maxresdefault.jpg https://i.ytimg.com/vi/GtovUptGuAg/maxresdefault.jpg PROPERTY REVIEW #409 | ALLEVIA, MONT'KIARA Four years after covering the launch, Sean returns to a completed tower whose unit layout he calls his favourite of all time — and whose quiet dead-end street may not stay quiet. https://www.youtube-nocookie.com/embed/GtovUptGuAg 2812 2025-10-26T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/property-guru-units-exit-plan 2025-09-12T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/BCDSPqGbCIE/maxresdefault.jpg https://i.ytimg.com/vi/BCDSPqGbCIE/maxresdefault.jpg ASKING SEAN #296 | GETTING OUT OF MULTIPLE SUBMISSION MESS? A viewer's parents bought several units through a property guru at the 2018 peak and now pay thousands a month to hold them. Sean explains how the scheme worked and how to decide what to sell. https://www.youtube-nocookie.com/embed/BCDSPqGbCIE 1860 2025-09-12T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/when-to-buy-property-data-guide 2025-09-09T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/-P8XBPxsxUA/maxresdefault.jpg https://i.ytimg.com/vi/-P8XBPxsxUA/maxresdefault.jpg WHY SOME MALAYSIANS LOSE MONEY IN PROPERTY FOR THE PAST 10 YEARS? ALSO IS 2025 A GOOD TIME TO BUY? Why did some Malaysians lose money on property over the past decade? Sean reads ten years of official data and swaps timing for a test you can actually apply. https://www.youtube-nocookie.com/embed/-P8XBPxsxUA 1196 2025-09-09T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/investing-in-property-at-60 2025-07-08T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/x_fVDvW6UHA/maxresdefault.jpg https://i.ytimg.com/vi/x_fVDvW6UHA/maxresdefault.jpg ASKING SEAN #289 | SHOULD I STILL INVEST IN PROPERTY AT 60? A reader over 60 is being offered short-stay units promising 9% returns. Sean explains why property loses its main advantage at that age, and what to consider instead. https://www.youtube-nocookie.com/embed/x_fVDvW6UHA 1993 2025-07-08T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/settle-housing-loan-early 2025-05-14T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/jA5cBaGWCPI/maxresdefault.jpg https://i.ytimg.com/vi/jA5cBaGWCPI/maxresdefault.jpg ASKING SEAN #283 | SETTLE THE LOAN EARLY TO SAVE ON INTEREST? A reader with three mortgages dreams of being debt-free. Sean explains why he would keep the loans running, and what to do with the spare cash instead. https://www.youtube-nocookie.com/embed/jA5cBaGWCPI 1568 2025-05-14T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/choosing-own-stay-home 2025-05-07T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/wE37EkIaQLw/maxresdefault.jpg https://i.ytimg.com/vi/wE37EkIaQLw/maxresdefault.jpg ASKING SEAN #282 | CONSIDERATIONS FOR OWN-STAY PROPERTY A 34-year-old renter is tired of moving and wants a home of his own, but friends warn him off. Sean tests the decision with his 85% rule. https://www.youtube-nocookie.com/embed/wE37EkIaQLw 1269 2025-05-07T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/avisa-residences-tropicana-alam 2025-02-05T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/xjBhlianxaM/maxresdefault.jpg https://i.ytimg.com/vi/xjBhlianxaM/maxresdefault.jpg PROPERTY REVIEW #367 | AVISA RESIDENCES, TROPICANA ALAM PUNCAK ALAM A double-storey terrace on individual title, planned with the discipline of a strata scheme — arriving at a moment when the highways, the university and the shops are already finished. https://www.youtube-nocookie.com/embed/xjBhlianxaM 2423 2025-02-05T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/meta-residences-seri-kembangan 2025-01-31T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/7dt2HWl4Ans/maxresdefault.jpg https://i.ytimg.com/vi/7dt2HWl4Ans/maxresdefault.jpg PROPERTY REVIEW #366 | META RESIDENCES, SRI KEMBANGAN Sean returns to a project he first saw during lockdown, now completed and a short walk from an MRT station with direct trains to TRX and KLCC. https://www.youtube-nocookie.com/embed/7dt2HWl4Ans 1899 2025-01-31T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/guaranteed-rental-return-risks 2024-08-20T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/QDy2Z1YmHks/maxresdefault.jpg https://i.ytimg.com/vi/QDy2Z1YmHks/maxresdefault.jpg ASKING SEAN #259 | THE REALITY OF GRR (GUARANTEED RENTAL RETURN) SCHEMES A reader has booked a hotel unit with a guaranteed 7% return. Sean explains where the guarantee really comes from, and why the exit is the bigger problem. https://www.youtube-nocookie.com/embed/QDy2Z1YmHks 1361 2024-08-20T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/property-research-before-buying 2024-07-10T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/78PkfsD4iBQ/maxresdefault.jpg https://i.ytimg.com/vi/78PkfsD4iBQ/maxresdefault.jpg RESEARCH WORK REQUIRED BEFORE BUYING A PROPERTY Projects borrow the name of a famous neighbourhood to charge its prices. Sean walks through the research that shows what an address is really worth. https://www.youtube-nocookie.com/embed/78PkfsD4iBQ 1539 2024-07-10T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/first-property-must-be-a-home 2024-06-20T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/iP_ynRJtijc/maxresdefault.jpg https://i.ytimg.com/vi/iP_ynRJtijc/maxresdefault.jpg ASKING SEAN #254 | FIRST PROPERTY MUST BE A HOME? A 26-year-old bought an investment condo before a family home, and his future in-laws disapprove. Sean explains why investing first can be the smarter order. https://www.youtube-nocookie.com/embed/iP_ynRJtijc 1864 2024-06-20T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/old-house-vs-new-property 2024-02-27T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/LRNPkznBo7w/maxresdefault.jpg https://i.ytimg.com/vi/LRNPkznBo7w/maxresdefault.jpg ASKING SEAN #242 | OLD VERSUS NEW PROPERTY An unmarried couple must choose between a cheap 30-year-old house needing renovation and a new one with a bigger instalment. Sean says the real question is whose income the loan depends on. https://www.youtube-nocookie.com/embed/LRNPkznBo7w 1608 2024-02-27T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/apartment-vs-landed 2024-02-20T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/elQNiT-fzkM/maxresdefault.jpg https://i.ytimg.com/vi/elQNiT-fzkM/maxresdefault.jpg ASKING SEAN #241 | APARTMENT VS LANDED A reader assumes landed homes are guaranteed to appreciate while condos age. Sean explains why that view is hindsight, where condos win, and the price ceiling open landed homes run into. https://www.youtube-nocookie.com/embed/elQNiT-fzkM 1401 2024-02-20T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/location-location-location 2024-02-02T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/2YZ4YG0DZJg/maxresdefault.jpg https://i.ytimg.com/vi/2YZ4YG0DZJg/maxresdefault.jpg ASKING SEAN #239 | "LOCATION LOCATION LOCATION" STILL VALID? A young investor has shortlisted Bangsar South by its rental demand. Sean argues that location is not what makes you money; the price you pay against the area median is. https://www.youtube-nocookie.com/embed/2YZ4YG0DZJg 1676 2024-02-02T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/leasehold-condo-resale-risk 2023-12-18T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/AtZ934rJzhk/maxresdefault.jpg https://i.ytimg.com/vi/AtZ934rJzhk/maxresdefault.jpg ASKING SEAN #234 | LEASE EXTENDED, PRICE DOUBLED A couple love a leasehold condo but worry it will be hard to sell with 60 to 70 years left on the lease. Sean says the lease is the smaller risk; buying together unmarried is the bigger one. https://www.youtube-nocookie.com/embed/AtZ934rJzhk 814 2023-12-18T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/singapore-income-malaysia-housing-loan 2023-06-19T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/VC4FharQZNs/maxresdefault.jpg https://i.ytimg.com/vi/VC4FharQZNs/maxresdefault.jpg DILEMMA OF MALAYSIANS WORKING IN SINGAPORE Singapore income converts well, so qualifying is rarely the problem. Rena Choong explains what Malaysian banks check for Malaysians working in Singapore, and what changes if you take up citizenship. https://www.youtube-nocookie.com/embed/VC4FharQZNs 3341 2023-06-19T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/lppsa-civil-servant-housing-loan 2022-11-16T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/q300PGWZXWI/maxresdefault.jpg https://i.ytimg.com/vi/q300PGWZXWI/maxresdefault.jpg LPPSA for Government Sector Employees Civil servants can borrow from LPPSA on top of the usual bank loans. Rena Choong explains why the order you use them in matters, and the catches in LPPSA's terms. https://www.youtube-nocookie.com/embed/q300PGWZXWI 2704 2022-11-16T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/loan-application-mistakes-by-income 2022-10-19T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/AulsutOcnT0/maxresdefault.jpg https://i.ytimg.com/vi/AulsutOcnT0/maxresdefault.jpg COMMON MISTAKES MADE DURING LOAN APPLICATION (EP4) Banks judge your income by how you earn it. Rena Choong explains where employees, commission earners and business owners go wrong, and which records to prepare months ahead. https://www.youtube-nocookie.com/embed/AulsutOcnT0 2533 2022-10-19T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/housing-loan-rejection-reasons 2022-09-23T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/ndDQECzVp14/maxresdefault.jpg https://i.ytimg.com/vi/ndDQECzVp14/maxresdefault.jpg COMMON REASONS FOR LOAN REJECTIONS (EP 3) A rejected loan stays on record and makes the next bank wary. Rena Choong goes through the most common reasons banks say no, and what to fix before you apply again. https://www.youtube-nocookie.com/embed/ndDQECzVp14 1776 2022-09-23T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/housing-loan-eligibility-dsr 2022-08-18T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/6m2tuV6g9hE/maxresdefault.jpg https://i.ytimg.com/vi/6m2tuV6g9hE/maxresdefault.jpg HOW TO CALCULATE YOUR LOAN ELIGIBILITY (EP 2) Banks decide with one number, your debt service ratio. Rena Choong shows how to estimate your own loan eligibility before visiting a sales gallery, and what CCRIS and CTOS reveal. https://www.youtube-nocookie.com/embed/6m2tuV6g9hE 2233 2022-08-18T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/housing-loan-interest-flexi-explained 2022-08-09T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/fFdh_UIMs0A/maxresdefault.jpg https://i.ytimg.com/vi/fFdh_UIMs0A/maxresdefault.jpg THINGS TO KNOW BEFORE APPLYING FOR HOUSING LOAN (EP 1) Most buyers compare loans only by the monthly instalment. Rena Choong explains how housing loans charge interest, why a lump sum belongs there, and when full flexi is worth its fee. https://www.youtube-nocookie.com/embed/fFdh_UIMs0A 1960 2022-08-09T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/manor-born-ipoh 2021-05-16T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/Em5Ls6ECFJ8/maxresdefault.jpg https://i.ytimg.com/vi/Em5Ls6ECFJ8/maxresdefault.jpg PROPERTY REVIEW #159 | RM 2.7 MIL BUNGALOW IN MANOR BORN, IPOH Eighteen strata bungalows placed inside an existing guarded estate, where a central air well solves the problem every very large house has — and the arrival never quite matches the arrival hall. https://www.youtube-nocookie.com/embed/Em5Ls6ECFJ8 874 2021-05-16T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/cempaka-seri-kota-seriemas 2021-03-18T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/PHJ67Qx6MG0/maxresdefault.jpg https://i.ytimg.com/vi/PHJ67Qx6MG0/maxresdefault.jpg PROPERTY REVIEW #150 | CEMPAKA SERI, KOTA SERIEMAS A townhouse that answers the three complaints the format usually attracts — narrow entry, tangled structure and dark corners — inside a township that spent its land on infrastructure. https://www.youtube-nocookie.com/embed/PHJ67Qx6MG0 989 2021-03-18T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/defect-inspection-checklist 2020-01-08T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/mYiV-w5E31U/maxresdefault.jpg https://i.ytimg.com/vi/mYiV-w5E31U/maxresdefault.jpg CHECK FOR DEFECTS IN YOUR PROPERTY Most buyers hunt for scratches and hollow tiles and miss what stops a home from working. Sean sets out what to check first in a defect inspection. https://www.youtube-nocookie.com/embed/mYiV-w5E31U 646 2020-01-08T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/hidden-costs-property-malaysia 2019-04-09T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/AQtkorLSEUQ/maxresdefault.jpg https://i.ytimg.com/vi/AQtkorLSEUQ/maxresdefault.jpg HIDDEN COST WHEN YOU BUY PROPERTY IN MALAYSIA Most first-time buyers budget the deposit and nothing else. Sean lists the costs that kept surprising him on his first purchase. https://www.youtube-nocookie.com/embed/AQtkorLSEUQ 361 2019-04-09T12:00:00.000Z yes no Sean Tan https://iherng-journal.pages.dev/articles/new-launch-vs-subsale 2017-08-03T12:00:00.000Z monthly 0.7 https://i.ytimg.com/vi/iz20Za8r6ts/maxresdefault.jpg https://i.ytimg.com/vi/iz20Za8r6ts/maxresdefault.jpg New property VS Sub Sale A new launch and a subsale unit can cost the same on paper but ask for very different cash, time and risk. Sean explains who each one suits. https://www.youtube-nocookie.com/embed/iz20Za8r6ts 568 2017-08-03T12:00:00.000Z yes no Sean Tan