In this episode, we will address a rather complicated situation posted by an audience. This is seriously one of those rare complex case as it involves family dynamics and lack of understanding for financial terms.  

In short, there were several red flags for me. Family affairs in property are always sticky and complicated. The only way forward is to formally document their answers so the parties involved will not get to turn back.  

The next one would be regarding the usage of personal loan to settle housing debts. Why take 11-12% interest when housing loan is only 3%? Also we noticed the difference in value. As some of the jewelries were pawn, the audience wish to get back. But sometimes is it worth it if we strictly look at only monetary value?  

The last thing would be the valuation based on personal perspectives. Just because it's next to a tourist hot spot, it does not necessarily fetch a high value at this current moment of time.  

Well, I'm very worried and concern. Hopefully he has friends with financial knowledge to help this guy out=)