My company is very likely to transform into real estate inve...

My company is very likely to transform into real estate investment. Coming to the office every day is to listen to colleagues discussing where to buy is more cost-effective. Whether to buy near the MRT, city center, or buy together and so on. And the one leading the conversation is the colleague Z who never spends money on any investments! Just when I thought she was going to invest in real estate, I found out she was buying a house to live in. And she is considering buying a one-bedroom apartment, with a budget of up to RM350K. (If you have been following me for a long time, you will know that I encourage everyone to invest in real estate) Later, after understanding her reason for buying a house to live in, I could understand her situation. Because she is from Johor, a girl who came to Kuala Lumpur to work after graduation. After a few years of hard work, she has decided to settle down in Kuala Lumpur, hence the desire to have her own home. "#Buying a house is not better as early as possible, right?" she said. This statement is theoretically correct, because the earlier you buy, the earlier you can enjoy appreciation! However, I have a different view. I have a relative who just started working and bought his first house shortly after entering society. He bought a presale house and looked forward to the day he could get the keys every day. Suddenly, the company boss wanted to transfer him to develop the Japanese market. As a result, he couldn't live in this house anymore and had to start worrying about how to rent it out. Sometimes, when buying a house, we look not only at the layout of the house but also at the layout of life. Because there are many variables in our lives. Especially for female colleagues, if she buys a house "early" now, what if she suddenly wants to get married and have children? Will a one-bedroom apartment be sufficient then? And when I looked at the location she wanted to purchase, I suddenly understood why she could do it for RM350K. Because it's not really ideal, very difficult to walk to the MRT (colleague has no car). And next to it are two SK primary schools, so traffic congestion is inevitable. In the future, it will be difficult to rent out or double the value. Besides all these considerations, the most important thing is, "#Buying a house too early, #limits life possibilities" because a home loan is 30 years, meaning that possibly 30% - 40% of the cash flow is tied to the house. Carrying a home loan at a young age, you will be cautious about many things because you know you have limited cash on hand, and you may be afraid to take future opportunities. Want to start a business, but dare not. Want to invest in new projects, but cannot. Even if your current job is terrible and you want to change lanes, you still cannot. So, what is my suggestion? If you really want to buy a house to live in, I would suggest working hard first, saving more money, and buying a better located property. If you are concerned about future uncertainties, I would recommend renting first, then take your time to explore other good properties. Or there is another way, get married first~ and then share the down payment together. (But do not buy jointly. You can discuss and let the other party bear other expenses) At this point, another colleague asked, "#What if you don't get married, #what should you do?" I said, if you don't get married, you will save a lot of expenses, save a lot of money, and then you won't have to worry about not being able to buy a house~ In short, buying a house is a big event in life, not something to rush before the age of 30. Having a RM400K home to live in, and RM400K in savings. Living this way, life will truly be very different.