http://forum.lowyat.net/ Sat, 13 Jun 2026 12:06:49 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/5248041 Hi sifus,<br /><br />A bit of dilema here. Im targetting house around 800k range and most probably will place booking by year end or will buy subsales.<br /><br />Say for eg, i readily have x amount of money which more or less can contribute to 20k to 24k dividen a year which is about 2k per month. <br /><br />Which option would you prefer.<br /><br />Option A : go for 100% loan, use dividen and top up monthly payment via salary. Advantage : savings still there. Cons : if dividen reduced, then need to top up more from salary. <br /><br />Option B : dump the money for reduced monthly payment. Advantage : reduce monthly payment. Cons : no more savings.<br /><br /><br />Prefer option A as if anything happen still there is money.<br /><br />Lets here from sifus.<br /><br />Thanks for taking time to advice. Nivan Property Talk Wed, 02 Mar 2022 01:04:54 +0800