How to increase Financing liability – Leverage concept 挡杆

1. OPM
 Other People Money
 Bank – 90%
 You 10%

 123 原则- 1 借 9， 2 借 8，3 借 7

1st & 2nd house 90%
3 house 70%
Shop 80%

2. OPT
Other People Time/Tenant
- Negative gearing – 贴钱
- Example 供期 RM5,000, 租金 RM3,000 贴钱 RM2,000
- 1st 10 年 70% 利息, 30% principle
- RM5,000 – RM3,500 (利息), RM1,500(principle)
- 租金 RM3,000 亏 RM500 利息, RM1,500 还本钱。
- 10 年后 租金 RM5,000 供 RM5,000. No need to 供 already.

3. PLL
产业 life line

 Every 10 年 price 升 100%

 7-2 法则 (Compound 利息 Rule) (1+i)N 7% inflation for 10 年 will double the price
 （1+0.07）10 = 1.96
 If house 价值 RM500,000
 Inflation 7%, 10 年 = RM500,000 X 1.96= RM980,000

4. Flip Strategy
- buy and sell if can Earn capital gain
- Keep the house as 1. Equity (waiting for price 升)
2. Cash flow strategy ( keep for 租金 收入) x good strategy – old generation

5. Milk Strategy
- Refinance the house to get cashflow for other expenses
- Buy insurance for the house- let the insurance pay when you die
- Cashflow from refinancing is tax free
6. 产业 Matrix
5 买地产法则

a. Market
b. 产业
c. 贷款
贷款 Engine

Real 收入 + RM10,000
Hidden 收入
6 month
Net 收入 X 0.8
DSR- Debt Service Ratio X 0.7
贷款 (Car, House, Shop) -2,000
Credit Card -1,000
贷款 Ability 2,600
200 法则 X 200
贷款 ability RM520,000

d. Yield – Capital Gain

e. 利息

7. 3 种人
a. 有钱- 买贵回酬高
b. 不够钱- 买
c. 没钱

8. 13 法则
没有讲

9. 3 ways to buy 产业
a. 自己名
b. 别人名
c. 公司名

10. Case study

a. 产业 价值 RM500,000
b. 供期 RM2,500
c. 租金 RM1,500
d. Negative gearing RM1,000 per month, RM12,000 per 年, RM120,000 for 10 年
e. 产业 价值 升 100% in 10 年 become RM1,000,000.
f. If sell in 10 年 for RM1,000,000 – RM500,000 – RM120,000= RM380,000 net 收入