Selamat Hari Raya Kepada Semua!
Selamat Hari Raya Kepada Semua!
Did you know?
One general misconception is that the buyer and seller can share the services of a lawyer. If fact, a lawyer can act for only one party. Either for Purchaser or Seller. A seller should engage his/her own lawyer for the transaction as this will ensure that his/her rights are protected. The legal fee is [...]
PROPERTY WISDOM
Three ways to avoid paying CKHT (Cukai Keuntungan Harta Tanah) 1. Sell the property without profit. (Sometimes have to convince LHDN that the transaction is genuine and not for the case of "mark down." If not, the property might be re-value, and seller might need to pay CKHT based on the property market value.) [...]
Property Wisdom
One of the reasons why there is a delay in completion of a property transaction is... - The Property title issued and Seller yet to transfer to his/her own name. - Then, Seller sold the house to the new buyer. - Some developer might not agree to give direct transfer. - If that happen, [...]
PROPERTY QUESTION & ANSWER
Question: If seller not appointing any property agent, as a buyer what is the best way to pay the deposit? Answer: Appoint lawyers to collect the deposit. It's better for buyer and seller to appoint their own lawyer, 2 different lawyers. To avoid any issue or conflict of interest and to protect buyer and [...]
哇！快学起来！大家必知！ MRTA vs MLTA 的分别
MRTA vs MLTA 分别 MRTA MLTA 不辛事故发生（死亡或终身残废）， 保额是直接赔给银行。 不辛事故发生（死亡或终身残废）， 保额是可赔给指定受益人。 保额根据贷款而减少。 保额保持。 不能转移（再融资Refinancing 或第二间屋子） 可以转移（再融资Refinancing 或第二间屋子） 保费是一次过給的。一般是算在跟行貸款，但需要給利息。 保费可分期如年，半年，三个月或每个月。 没有现金价值（Cash Value), 半途断保, 可能拿回退保价值(Surrender Value), 视公司条款而定。 有现金价值（Cash Value) 。 可提早领取退保价值（Surrender Value) 来提早还清房屋贷款。 (有些MLTA的退款保价值是有保证的) 保障-借款人自然死亡/病逝和终身残废 *没包括36种疾病 保障-借款人自然死亡/病逝和终身残废， *可以追加36种疾病(相对的保费也会提高) 收益人- 银行 收益人-可以放家人当收益人 保费较低 保费较高 If you think this is helpful, feel free to share it [...]
Don’t apply for a Home Loan until you read this! Home Loan Debt Service Ratio (DSR) GalleryDon’t apply for a Home Loan until you read this! Home Loan Debt Service Ratio (DSR)
1st Time Home Buyer, Home Loan Tips, Housing Loan, Latest Article/News, My First Home Scheme, Purchase From Agent/Owner, Purchase From Developer, Refinancing
Don’t apply for a Home Loan until you read this! Home Loan Debt Service Ratio (DSR)
Everything you need to know about Debt Service Ratio. Debt service ratio is used by a bank to calculate the eligibility of loan for a borrower. To be honest, debt service ratio by banks changed a lot since the last decade. And sometimes, it’s quite hard to keep up as different banks will have [...]
LATEST BASE RATE AND BASE LENDING RATE FOR THE MAJOR BANKS IN MALAYSIA AS AT 17/4/2017
Hey, do you know what is your home loan Base Rate, Base Lending Rate or Base Financing Rate ? If you like me which always forgetful on this, you can check out our update here. Hope this help. LATEST BASE RATE AND BASE LENDING RATE FOR THE MAJOR BANKS IN MALAYSIA AS AT [...]
BOLEHKAH BELI RUMAH LETAK NAMA ANAK BAWAH UMUR?
Saya pernah ditanya oleh seseorang soalan seperti berikut: "Saya bercadang untuk beli sebuah rumah untuk anak saya yang berumur 3 tahun. Boleh kah saya terus letak nama anak saya dalam geran rumah tersebut?" Jawapan saya : 1. Secara prinsipnya kanak-kanak di bawah umur 18 tahun tidak mempunyai kelayakan dari segi undang-undang untuk memasuki sebarang [...]
APAKAH TINDAKAN YANG ANDA BOLEH AMBIL JIKA PEMAJU INGKAR TERHADAP PERINTAH TRIBUNAL PEMBELI RUMAH
Anda dah failkan tindakan terhadap pemaju di Tribunal Pembeli Rumah. Dan Tribunal pun telah buat keputusan berpihak kepada anda. Tetapi masalahnya pemaju tak patuh kepada perintah/ keputusan yang telah dibuat oleh Tribunal. Apakah tindakan yang patut anda lakukan? Ada 2 tindakan yang anda boleh lakukan : 1. Prosiding Mahkamah I. Failkan prosiding komital terhadap [...]