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.
房地產平台IQI發佈了數據，顯示房屋價格的增長使馬來西亞擁有自己房屋的居民顯着變得更富有。
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聯合創始人兼集團首席執行官Kashif Ansari解釋說，“在2014年到2023年的10年間，馬來西亞中位房主的房屋價值上漲了RM136，716，增長了42%。中位數價格從2014年的RM330,427漲到了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.
“典型的馬來西亞房主因房產升值而看到個人財富飆升，相當於超過四年的工資。統計部門將中位年薪定爲RM32,000。數據顯示，如果你可以可持續負擔自己的房子，它可以是實現財政安全的最簡單、最安全的途徑。”
"All of these calculations are based on median home price data from the National Property Information Centre."
“所有這些計算都基於國家財產信息中心的中位數房價數據。”
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.
看到最顯著、最快速增長的州屬之一是雪蘭莪，房主看到房子價值飆升了RM169,091。沙撈越以RM152,016位居第二。第三個最大獲得州是柔佛，價格上漲了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.
至於吉隆坡，IQI表示2014年至2023年間房價上漲RM145,523，而森美蘭的房價則上漲了RM128,943。吉蘭丹的起點價格更低，但房價增幅更大，房價在這10年間暴漲了70%，增長了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.
“吉蘭丹不是唯一一個升值幅度驚人的州。Melaka、森美蘭和吉打的房價值都出現了69%的增長。安薩里說，霹靂、柔佛和玻璃市的房價值也都增長了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.
持有抵押的房主則更加賺錢。雖然馬來西亞房地產中位數價格上漲了42%，但抵押貸款持有人在投入自己房子的資金上獲得了更大的回報，達到了66%。抵押貸款持有人獲得了整個房價增長的好處，儘管在購買房子時不必投入全部價值。實際上，他們在使用銀行的資金將價格收益槓桿化到更高的回報率。”
他們正在使用銀行的資金將價格收益槓桿化到更高的回報率。
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.
在實際的令吉上，抵押購房者獲得最大回報的州屬是吉蘭丹（113%）、馬六甲（111%）、森美蘭（111%）和吉打（110%）。所有這些州屬的房主都將自己的錢翻了一番以上。”