government implement the 30-70 ratio for purchasing third residential property, this scheme have impact quite a number of part-time investor (normal workers, who have little saving but not much). Imagine, buying a RM300k property require you to pay at least RM90k as down payment, compare to RM30k last time.
Let's assume we able to make RM100k profit 3 years later, but the capital require to earn the RM100k have increase from RM30k to RM90k.
Since so, why not focus in commercial property then? Since the loan amount can reach 80% for commercial, and you only require 20% down payment compare to 30%?
Just some thought