1. **State the problem:** Encik Faizal bought a shop lot for 650000 with a 10% down payment, incurred total expenditure of 45000, rented it for 2300 monthly, and sold it after 4 years for 1200000. He amortized 150000 loan and still owes 720000. We need to calculate the return on investment (ROI). 2. **Calculate the down payment:** Down payment = 10% of 650000 = $0.10 \times 650000 = 65000$ 3. **Calculate the total initial investment including down payment and expenditure:** Initial investment = down payment + expenditure = $65000 + 45000 = 110000$ 4. **Calculate the total rental income in 4 years:** Rental income = monthly rent $\times$ number of months = $2300 \times (4 \times 12) = 2300 \times 48 = 110400$ 5. **Calculate the net sale proceeds:** Sale price = 1200000 Loan still owed = 720000 Loan amortized = 150000 Net sale proceeds = sale price - (loan amortized + loan still owed) = $1200000 - (150000 + 720000) = 1200000 - 870000 = 330000$ 6. **Calculate total returns (net sale proceeds + rental income):** Total returns = $330000 + 110400 = 440400$ 7. **Calculate total investment considering initial investment + loan amortized:** Total investment = initial investment + amortized loan = $110000 + 150000 = 260000$ 8. **Calculate return on investment (ROI):** $$ROI = \frac{\text{Total Returns} - \text{Total Investment}}{\text{Total Investment}} \times 100 = \frac{440400 - 260000}{260000} \times 100 = \frac{180400}{260000} \times 100 \approx 69.38\%$$ **Final answer:** The return on investment obtained by Encik Faizal from the sale of the shop lot is approximately 69.38%.