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Nowadays, owning and buying a house consider a privilege to anyone who capable of doing so. As property market become challenging ahead, you want to be diligent and meticulous, when buying a new home. Especially, buying directly from the developer or buying from estate agent or seller. Buying From Developer As property market become tight, [...]
Remember that the interest rate on mortgages fluctuates. After a few years, you can always ask for a revised from your existing bank. Currently, it is about 4.30% to 4.50% p.a. Some house buyers who are not mindful of the current rate may be paying a mortgage interest rate of BLR + 0% or [...]
Bila membuat pembelian rumah, macam-macam yang dijanjikan oleh pemaju. Kadang-kadang tak semuanya yang benar. Bila bank pembeli lambat membuat disbursement, pemaju akan charge penalti lewat bayar. Tetapi, apabila terjadi pada pemaju, banyak yang buat tak tahu sahaja. Oleh itu, coretan yang dibuat oleh Tuan Salkukhairi ini agak manfaat dan berguna kepada kita semua. Saya [...]
The year 1988 my dad bought a low-cost flat at Setapak Kuala Lumpur for about RM25,000. It has two bedrooms and one bathroom. That was 28 years ago. Today the apartment cost about RM170,000. It costs 6.80 times of the original price. Do you still want to wait buying your first house? For more Home [...]
Today, we received a call from Mr A (customer) and we talked a bit about his background and profile. He bought a house and signed Sale and Purchase Agreement. He does not apply for any loan yet. When we prompt further, it seems like he was pushed by property agent to sign the Sale and [...]
Beli rumah memang seronok, tapi bila dapat kunci rumah dari pemaju lagi seronok. Ramai yang terus bawak satu family pergi tengok rumah baru. Tapi, bila tengok sana sini, banyak kerosakkan dari pihak pemaju. Terus frust dan rosak mood. Jika anda menghadapi masalah tersebut diatas, apakah yang patut anda lakukan? Mari baca coretan dari Tuan Salkukhairi [...]
Step 1: Print Your CCRIS Report. Go to Central Bank or Bank Negara Malaysia and get your CCRIS Report Print. Step 2: Check your loan ELIGIBILITY OR AFFORDABILITY Come over to our website www.malaysiahousingloan.net or call/Whatsapp us at 012-6946746. Show us your report and we shall calculate your eligibility on the spot. After doing [...]
Dalam urusan jual beli rumah, biasanya deposit yang kena dibayar semasa menandatangani Perjanjian Jualbeli (SPA) ialah 10% dari harga jual. Kalau pembeli membeli melalui ejen hartanah berdaftar, 3% haruslah dibayar terlebih dahulu semasa membuat "booking". Kadang-kala ejen hartanah mungkin akan menyuruh pembeli membayar 3%+GST ejensi sebagai pendahuluan. Bagaimanapun, pembeli tidak akan dikenakan GST. Pembeli tetap [...]
Mr Faizal (not the real name) is a fresh graduate. He is happy to get a new job. His salary is RM1500 per month. For him, it is sufficient for now because he is single and he doesn't have any commitment. Until one day, he needs to buy a house. He is interested in purchasing [...]
Just a community reminder to all the house owner out there to be more diligent when handling existing home loan account. Some banks are imposing a penalty in home loan interest rates to a borrower that make a late payment to their home loan account for consecutive two months. Let’s check out the sample of [...]
