Malaysian Homeowners Saw Their Property Value Jump 42% In 10-Years
Malaysian Homeowners Saw Their Property Value Jump 42% In 10-Years
Real estate platform IQI released data showing financial returns to homeowners, revealing that Malaysians who own their own home have become significantly richer through home price growth.
房地产平台IQI发布了数据，显示房屋价格的增长使马来西亚拥有自己房屋的居民显着变得更富有。
Juwai IQI Co-Founder and Group CEO Kashif Ansari explained, "The median homeowner in Malaysia saw the value of their home climb by RM136,716 during the 10 years to 2023. That's an increase of 42%. Median prices increased from RM330,427 in 2014 up to RM467,143 in 2023.
Juwai IQI联合创始人兼集团首席执行官Kashif Ansari解释说，“在2014年到2023年的10年间，马来西亚中位房主的房屋价值上涨了RM136，716，增长了42%。中位数价格从2014年的RM330,427涨到了2023年的RM467,143。”
"The typical Malaysian homeowner saw their personal wealth soar by the equivalent to more than four years of wages – just because their homes went up in value. The Department of Statistics pegs the median annual formal wage at RM32,000. "The data shows that, if you can sustainably afford to own your own home, it can be one of the simplest and safest routes to attaining financial security.
“典型的马来西亚房主因房产升值而看到个人财富飙升，相当于超过四年的工资。统计部门将中位年薪定为RM32,000。数据显示，如果你可以可持续负担自己的房子，它可以是实现财政安全的最简单、最安全的途径。”
"All of these calculations are based on median home price data from the National Property Information Centre."
“所有这些计算都基于国家财产信息中心的中位数房价数据。”
Among the states that saw the most significant and fastes rise was Selangor where homeowners saw the value of their homes soar by RM169,091. Sarawak was secodn with median home price climbing by RM152,016. The third biggest gaining state was Johor, with a price gain of RM147,363.
看到最显著、最快速增长的州属之一是雪兰莪，房主看到房子价值飙升了RM169,091。沙捞越以RM152,016位居第二。第三个最大获得州是柔佛，价格上涨了RM147,363。
As for Kuala Lumpur, IQI said prices climbed RM145,523 between 2014 and 2023, and in Negeri Sembilan home prices jumped RM128,943. Kelantan, the starting price was lower, but home prices had a bigger percentage gain seeing home prices surging by 70% over the 10 years, by RM105,537.
至于吉隆坡，IQI表示2014年至2023年间房价上涨RM145,523，而森美兰的房价则上涨了RM128,943。吉兰丹的起点价格更低，但房价增幅更大，房价在这10年间暴涨了70%，增长了RM105,537。
"Kelantan wasn't the only state with impressive returns in percentage terms. Melaka, Negeri Sembilan, and Kedah all rewarded homeowners with a 69% gain in home values. Perak, Johor, and Perlis also all saw the value of homes grow by more than 50% said Ansari.
“吉兰丹不是唯一一个升值幅度惊人的州。Melaka、森美兰和吉打的房价值都出现了69%的增长。安萨里说，霹雳、柔佛和玻璃市的房价值也都增长了50%以上。”
Homeowners who hold a mortgage fared even better. While the median Malaysian property price increased by 42%, mortgage holders earned a larger return or 66% on the money they put into their home over 10 years. Mortgage holders get the benefit of the entire price gain even though they didn't have to invest the full value of the house when purchasing it. In effect, they
are using the bank's money to leverage the price gains to a higher percentage return.
持有抵押的房主则更加赚钱。虽然马来西亚房地产中位数价格上涨了42%，但抵押贷款持有人在投入自己房子的资金上获得了更大的回报，达到了66%。抵押贷款持有人获得了整个房价增长的好处，尽管在购买房子时不必投入全部价值。实际上，他们在使用银行的资金将价格收益杠杆化到更高的回报率。”
他们正在使用银行的资金将价格收益杠杆化到更高的回报率。
The states where mortgaged home buyers earned the biggest returns on the actual ringgit are Kelantan (113%), Melaka (111%), Negeri Sembilan (111%), and Kedah (110%). Homeowners in all these states more than doubled their money.
在实际的令吉上，抵押购房者获得最大回报的州属是吉兰丹（113%）、马六甲（111%）、森美兰（111%）和吉打（110%）。所有这些州属的房主都将自己的钱翻了一番以上。”