Float Top
Why floating interest rate can be a better choice now?
The days of long term fixed interest rate mortgage are virtually a thing of the past. We expect the rate of adjustable (floating) rate mortgage to be reviewed at least on half-yearly or even quarterly basis during this period of economy crisis.
However, while the global economy looks gloomy, the adjustment of rate is normally in the investors’ favour. We expect the rate to be adjusted gradually to a lower lever in the following years as a measure to boost national economy.
In fact when there is an interest rate hike, real estate investors should be happy about it because it means the economy is doing well and the government is concerned about inflation. Inflation is a friend of real estate investors – when the price of everything is rising, so are your rental income and property value!
At this age of volatility, we see most banks still do not dare to offer more fixed rate mortgage loans, but in the near future, some banks are expected to aggressively promote more fixed rate packages. Reason being very simple: They want to lock the borrowers with higher rate now before the interest rate falls any further.
As a real estate investor, you should monitor the trend closely in order to benefit most from the trend. Our suggestion is: To take the lowest floating rate package now with minimum lock-in period (2-4 years), and to refinance to fixed rate package when the interest rate starts to bounce again in future.
Read more about real estate investment tips at http://reijb.com
We write regularly about real estate investment. Some of our featured articles include:
“How to estimate the value of a property?“
“Why apartment can be the best real estate investment?“
“How important is location to an investment real estate?“
About the Author
Coming from a humble little town called Tangkak in north Johor state of Malaysia, OngKL has chances to learn and work both in Johor Bahru and Singapore – a conurbation with 6.49 million still fast growing population – since year 1996. He is now having a chance to contribute back to the community by sharing what he sees, what he knows and what he learns in this wonderful place.
http://reijb.com
Market Technical Analysis – Light Volume Float, Key Top, New Position Entered…Here We Go!
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