IHERNG PODCAST

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we discussed about the different loan facilities available from the banks. And it's just very important for us to understand the difference in interest rates between hire purchase, personal loan, and housing loan. For this audience, I think the strategy will work only after communicating with the family member. But timing of the rebate/cashback is the critical part of the strategy.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb After getting a property in Cyberjaya, this audience is pondering upon selling the apartment at a loss? Or to further renovate it and hold the property. My suggestion would be to let go if can afford the difference because I don't see the potential of that location, especially apartments at that location. What do you guys think?

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we discussed several important aspects of investments. 1) Investment strategies are very location specific. Investing in KL is different from JB and vice versa. 2) The goal of property investment is to buy money making assets, not the cheapest property 3) Preparation is very important to identify great deals among the subsale market But anyway, welcome to Malaysia!!

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb I am excited for having that rare opportunity to be in conversation with the leader of Malaysia Housing Ministry (KPKT) regarding their latest proposal of Program Residensi Rakyat. It is a brand new housing model for B40 with lots of initiatives that I personally agree too such as the RM 15000 fee for maintenance, the moratorium for restriction of subleasing, the return of subsidy after selling the property and etc. Although this is still in proposal stage but technically I find it very interesting.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb This is a very sensitive story to be shared by anyone, therefore I appreciate this audience. His mother is an absolute inspiration and I wish my after life could be like her where my loved ones are independent. In this episode, we kinda discussed about the ways of how does a son who inherited several properties worth millions can do to protect and grow his property game.

Official website for Music Bliss: https://www.musicbliss.com.my/ Do check out their website for anything related to music and audio! In this episode, we spoke to Mr Jonathan who is the CEO of Music Bliss. He shared on how he transitioned from a banker to the music equipment business, and how he brave through all the obstacles. Then what's weird is with his financial background, he didn't apply any of the knowledge into his investment journey. Check out the full episode

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, an audience expressed her gratification as she absolutely enjoy her home purchase. She bought a large sized, 2200 sqft 5 bedroom apartment for her family and she loved it way more than her landed homes. I've also discussed the difference again between apartment and landed homes from a lifestyle point of view as the architecture dictates the way of living for the residents. Personally I also am a fan for high rise living, but large sized units are limited in the market. Anyway, I would like to congratulate this audience for the informed decision. It makes me really happy;)

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb For this question, it's rather interesting where we discussed about the aspect of time within property investment. For new property, it takes 24 months for completion for individual title property and at least 36 months for strata projects. Within that amount of period, so many things can happen. We can get promoted, we might expanded the family, and when those happened, the property we bought initially couldn't meet our requirement anymore. So to address the instant need, I suggest to rent. Hence the theory or buy where we invest, rent where we stay. Even when I'm about to buy a property as a home later, subsale would be a better option.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we will discuss about the action plan for this audience after inheriting a shoplot that nobody knew existed. Well I absolutely adore the father for making a responsible move of insuring his commitments and himself to ensure his family is protected.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we will address a question from a young couple regarding their property investment journey. They are stuck at the junction between new and old property. Which one should they choose? Well also we discussed about renovation budget, also the mindset of investment. Enjoy;)

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb This has always been a debate on what's the better format of housing, landed versus highrise living. Unfortunately both of them never come together at the same time in the same state. It's always at a level of scarcity, only highrise buildings will be brought into the development. There is also an argument about NON landed housing having a peak in their selling price because as the income level requirement goes up, our priorities in life will change. And the main priority of a home at least is to provide safety and security.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we have an audience having 7 properties with his brother. This is when it gets tricky as they proceed further, they are also debating whether to get a house to be settled in. Ultimately, they need to have a discussion among themselves about what's the end goal for this investment journey. That goal will then be the north star to determine the strategy around the current portfolio. I'm personally very impressed with woman being so aggressive in property investment and I do hope that more female audience will follow her footstep. Anyway, GONG XI FA CAI!!

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Youngsters now are seriously incredible! This audience here at 26 with a high income career and established portfolio, still looking for ways to expand into real estate. What an example for everyone;) We discussed about Bangsar South a lot, but in real estate investment it's beyond location. That old rule of 'location location location' is not necessarily true anymore. It's ultimately about the entry price. Right pricing in a normal location is better than wrong pricing in the right location. Also, it's a balance between capital apprecation potential versus cashflow. Of course we would prefer both but it's something we need to decide upon our own preference.

Link to join my team in property investment club: https://bit.ly/3DxoxWSUse promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rbIn this episode, my thought processes are everywhere as this is a very unusual question. But this topic is also important because life goes on with or without property. I'm just glad that this couple prepared everything before they are moving forward to that next level. Based on personal experience, I would suggest the following: 1) Invest in health and fitness to have better quality of life2) Invest in knowledge to continue staying relevant3) Invest in protection and insurance as we are increasing our scope of responsibility

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we have an audience explaining how he got his booking fees burnt due to misinformation by the sales people. Personally I am just glad that he chose to forfeit the fees instead of proceeding with the deal he clearly know he cannot afford.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we will speak about the experience of a young doctor to be struggle in starting his investment journey. Many years are required for his pathway, therefore he gets anxious about it. We also discussed about the difference in REITS versus PROPERTY INVESTMENT and the importance of the active income, which is just not spoken enough.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this question, we have a high flyer within her middle age who just started venturing into property investment lately. Well she paid off her home that's worth RM 3mil with sufficient insurance coverage for her family, that's already a huge deal. But her email highlighted the main difference in consideration between a 35 years loan tenure versus a 15 years version. It's always better to start early;)

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we will discuss about the challenges of getting a leasehold title project. And just imagine what will happen if the lease of any leasehold projects in Selangor gets extended successfully? That will further blur the lines between FREEHOLD and LEASEHOLD projects. But in this question, I'm more concerned of the joint name between couples as purchaser of the property haha.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Unfortunately this is done in mandarin, but the team is getting the important points out from this podcast and translate them individually into English.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we have an audience who's working in New Zealand and trying to invest in Malaysia properties. The first lesson is to address the 'experts' we have around us that constantly tells us what's hot or what's not. Is it a good time for gold?? The best investment is the one we are most familiar with. Always choose to make informed decision, then take full accountability of the results. The next question revolves around his next project where it's obvious that the rent cannot cover installment. My suggestion is then to move on to the next project. Explore the other modes of purchase available for the best deal for our money, instead of just being romantic to one.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb I like it when this audience straight up mention RICH MAN problem. This discussion is gonna be very common soon as family sizes are getting smaller and wealth are growing at the same time. If we pay full cash for the sake of legacy of our parent, by all means. But there's an option of having a full flexi loan, then park the money inside to save interest. Also, there's an option to go into the subsale market using the capital. Use it to afford certainty within our investment. However, there might be some family dynamic issue where the audience might focus on 'taking the money' instead of the property. But I doubt within this context that's the case.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, Malaysia welcomes this new couple from Hong Kong. But there are several pointers I would share for foreigners who are trying to navigate through Malaysia's property market. For this audience, I would suggest to first rent a place while figuring out what is the market like. All I'm trying to suggest is think like a local, if not it's very easy to be 'water fish' for other to take advantage on.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb First of all, several facts that's outstanding. Earning RM20k at 23 freelancing, then having the maturity to invest early and discovering such a niche in investment portfolio. My audiences are simply awesome. Anyway, we discussed about how to measure yield for property. Then how much is considered high? Also how should a 23 years old invest? Should he go for a home right away? I encouraged him to stay tight and boot strap further meanwhile investing more to better ensure his future.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Ultimately we invest properties for our future and our children, that gives meaning to why we put in so much effort. But for this particular audience, he has no plans to start a family, so why question would be WHY? Why is he pushing himself so hard?? RM 7000 nett income paying for 5 properties, that's quite stressful. If he still wants to push further, I would suggest to kinda take a break and let the units rent out first. Meanwhile, venture into other mode of buying for better investment deals.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Open Academy app sign-up link: https://app.theopenacademy.org/redeem?code=OAAPP1M In this episode, we got a serial business entrepreneur in studio with us to share his property investment journey. Jan highlighted the struggles that business owner needs to go through when they start investing in property. Credit scores are calculated differently, plus the consideration of cashflow is also different compared to salaried employees. What's interesting to me was the comeback after his first investment mistake, when he bought a house with his previous girlfriend. It was so juicy hahaha!! Anyway, do check out his app to equip ourselves with better knowledge so we can upgrade ourselves.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb This is one of those mindblowing emails that absolutely portrays my life goal for my family. This audience has just received A LOT of assets from his parents and he is already planning to expand that in his 20s. To me, he is pretty much sorted out based on his knowledge and guidance from his parents. But this highlights the legacy portion of this asset class that I'm very passionate with.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Today's episode is a long one because of a long question from this middle aged man that has raised his family in a small town, also they just bought a new apartment in Bandar Sunway for RM 1250 per square feet? We also discussed about how to start at that age? Mistakes he have made? Definition of TOD? How much is too expensive for a property?

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we will go through a series of questions from an audience all the way from New Zealand. We discussed about how we do research for a product, how we should audit advices from people around us, how a commercial property might be a good thing, and how everyone have different situation so our strategy should be different too.

After checking out their project, I am glad to have bumped into the CEO of the developer and of course I extended my invitation to him to share and here he is!! Here we discussed about how such a young team of people straight away picked Bangsar South, followed by Mont Kiara as their first and 2nd project site. Both are challenging in terms of market supply and site condition. And it's amazing to listen about how top leaders of the company explain about their intent of the any design within the project, such a fabulous experience. Anyway if you guys wanna check out their latest project which is BON KIARA, do reach out to their team directly: Phone: +603 22026566 Website: https://bonkiara.com/

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Brothers all wanting to live together with their father, that's why they joint name to get a house. What a romantic story!! But in reality, I think it's a mistake because it was totally beyond their affordability. Now they are even contemplating on how to get money for renovation. My take is since when there is a minimum standard for renovation? The comfort level is absolutely based on our financial situation. Anyway, they have an apartment they shared earlier so the question is whether to refinance? Or to sell the property so they have money for renovation.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb This audience clearly demonstrated why I do not encourage first time home buyers to go for auction unit. It's because of the hidden clauses and complications that will burn your upfront deposit. Luckily this audience had awesome parents to back her up, if not her 10% would just be burnt.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, its a very interesting observation because finally we can confirm investor do buy property, pay them in full then leave it empty. They don't even bother to rent the unit out. But in his case, I would suggest to first have a conservation with himself on what he wants to achieve for the remaining years since he's already 56. Should he gear up further? Or just cash out and chill?

Get your free floorplan reading: https://joeyyaponline.com/iherng Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb After studying all possible aspects of real estate, the only element left would be metaphysics. Therefore, it's an honour for us to have Dato' Joey Yap into the podcast to share this expertise. Besides the definition of great feng shui, Dato also shared tips about how normal people like us to pick the right units for our home. But personally I'm way more fascinated on how he built his business and team around his family.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Mapex details: https://www.facebook.com/REHDAPerak In this episode, we discussed about the role of Rehda in representing developer around Malaysia. Anyway, they are having MAPEX coming soon and it's convenient for potential property buyers in Perak so do check out their FB page for more info.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb This is the next topic that I'm thinking really hard about, where in this state of us busy pursuing our career and life, are we ready for for sudden deaths of our loved ones? After settling the funeral, are we also ready for the one left behind? Can any of our apartment fit an old folk? Can our current financial state stomach extra considerations for the change?

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Rena IG: https://www.instagram.com/renac57/ Ms Catherine contact: +60 12-560 9265 In this episode, we have Ms Rena again to discuss about reasons why we should consider refinancing the property we have. It can be for better interest rates, for cash outs, for more 90% loan quotas and etc. Exciting episode!!

In this episode, I am very fortunate to have my senior to share about her venture in UK property investments. For more information about investing or their investment talks, do reach out to her team via: https://www.instagram.com/shelvin_rbc/ https://www.instagram.com/redbeanconsultancy/ Right after my visit to, I was within that crossroad of investing in a property. Although I didn't pulled the trigger, but I'm very interested to keep myself updated with all the new offers. This is where Shelvin and her team are expert in as they mainly assist investors with their property venture in UK. Anyway, I am very positive with the idea of diversification via investing in foreign land but as always, it's very important to make informed decisions!!

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we will address about whether to make an investment today or to continue saving for a dream home in 12 years time? My suggestion would be the first get an investment unit, which indirectly puts him closer to his dream home 12 years later.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb With the current trends of declining population and depressing news, is there still a future for real estate investment? What an episode of high level economics!! In my opinion, I'm proving via actions that real estate is still a primary asset class to hold especially in Malaysia. Our country is just so beautiful and attractive so many expats are figuring out how to get in. For investment, definitely I'm investing in CBD areas where the temporary demand for space is high. Then I'm figuring out whether to enjoy myself within the suburbs area as I don't have be in the city at all.

Enjoy RM50 OFF by using promo code: DREA2 Shopee: https://bit.ly/43nR8b7 Lazada: https://bit.ly/3PRSaJq Website: https://bit.ly/3OcwVRl Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we will address the hidden spots for potential foreigners who are planning to retire in Malaysia. Everyone are always focused on popular locations such as Mont' Kiara, Damansara, Bangsar and etc. Those are fine but for retirement, there are way more value around the town. Also, this is an example of how everyone should work towards. Having multiple properties to pay for their lifestyle via the rental collected.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb Gurpal standup comedy page: https://www.instagram.com/gurpalkalracomedy/ In this episode, I followed up with one of the earlier audience for the channel Mr Gurpal. Back then when we met each other, he was jobless and just trying really hard to make ends meet. But now he's a proud HDB owner and about to start his property investment journey. What's fascinating is his perspective on Malaysia! It's so rare to find a Singaporean that loves Malaysia more than me.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we will talk about the process of funding a retirement home for this couple. They are thinking of selling their existing house within the city center, they use that money to buy a property outskirt. Also, they have the stigma of buying a new property directly from developer as their first project got abandoned. Well this totally brings up my point for landed all these while. Only when we are around 40s, we will have clarity of the things we like and the lifestyle we truly want.

Link to join my team in property investment club: https://bit.ly/3DxoxWS

Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb

Art of Tree FB page: https://www.facebook.com/artoftree.myIn this episode, we have Ms Joey sharing her business and property investment with us. I really enjoyed the session, especially on the business opportunity part. Also can't wait to get one of the hardwood furniture from her gallery.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we will discuss with this audience on how to maximize financing for a deal. However, it's not as direct or easy as we think. So I listed out ways that we could source for more money. Also, would you go ALL IN for one property deal?

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we will discuss about the main dilemma of our friends who are working in Singapore. The exchange rate for the currencies is amazing, therefore many talents are moving over. But the dilemma is whether to invest in Malaysia's property or not. If they do, how?? Where?? When? So many questions. First of all, we need to get the intent right. Are you gonna stay in SG for good? Or are there plans to move back? Then in terms of loan arrangements, everything is highly dependent of whether do you get a HDB from the government. So many uncertainties, but so interesting;)

Link to join my team in property investment club: https://bit.ly/3DxoxWS

Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we will address this question from a couple who lives in Cyberjaya. Based on their meticulous nature towards finances, I suggested them to go along with their initial plan, just not a highrise in Cyberjaya. Check it out.

Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we got the one and only Faizul Ridzuan to share his insights about the property industry in Malaysia. Personally from a reader of his book, to almost an employee, then a customer to his company, now a 3rd person point of view trying to understand his perspective of the real estate scene. Very juicy episode as our team tried extremely hard to make it 'clean' for all viewers hahaha;)

Registration link: https://crestbrick.com/meetiherng/ Well how I wish I worked harder to make this investment happen. But don't let my inability stop anyone who qualify the checklist for your UK investment journey. See you guys this Saturday (27th May 2023)!!

Dreame L10 Ultra Robot Vacuum : http://bit.ly/3ZMKASa Use PROMO CODE: DREAST for RM 200 off. Link to join my team in property investment club: https://bit.ly/3DxoxWS Use promo code: SEANTANMAKEOVER22 for property makeover: https://wa.link/0ea7rb In this episode, we have another young Malaysia working abroad in UK, trying to finance his first property in KL. So we discussed many different blind spots to address in order to position ourselves better in real estate. But my suggestion is for this young man to first hold back, and invest the money in himself. Upgrade knowledge and skillsets to increase his earning ability first, then come back 5 years later.