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When it comes to buying a house, somehow we need to decide whether to buy a Freehold or Leasehold house. Freehold is better, they say. It doesn't matter, some say. So which one is true? But the truth is, there is no direct answer to this. I want to say, FREEHOLD house is more [...]
Everything you need to know about the new Legal Fees scale and how it’s affected homeowners. The revision of the fee structure in the Solicitors’ Remuneration Order by the Bar Council is effective from 15th March 2017. The revision, which was approved by the Solicitors Cost Committee on Feb 28, is reasonable as the [...]
Hey, If you haven't noticed, Base Rate (BR), Base Lending Rate (BLR) and Base Financing Rate (BFR) have increased. You might want to know. The latest Base Rate (BR), Base Lending Rate (BLR) and Base Financing Rate (BFR) as at 19th February 2018 by Bank Negara Malaysia. Check out the listing here. The Lowest [...]
Housing The Government will continue to intensify efforts to increase home-ownership for the rakyat with an allocation of RM2.2 billion as follows: 17,300 units of People’s Housing Programme; 3,000 units of People’s Friendly Home under SPNB; 210,000 units of houses under PR1MA with prices RM250,000 and below. For this, RM1.5 billion is allocation [...]
Borrow RM733,500 and Pay RM3,165,108.84!! (4x times more from original loan) Have you ever come across with a home loan offer that Purchase Price by the bank is RM733,500 ( loan amount) Selling Price By The Bank is RM3,165,108.84 ( interest + principal, calculated based on maximum capped profit rate) In this case, the [...]
发展商名誉影响贷款 房贷网 站 malaysiahousingloan.net菅理员兼MHL咨询公司房屋贷款顾问 叶佳强及李素慧认同个人信贷的重要性， 同时， 也点出了另一些看似无关紧要， 却会影响房贷申请的原因。 李素慧耐心地解释，银行对于发展商的名誉甚是在意，因此如果一家发展商拥有不良记录，如搁置房产发展，对于购屋者的申请也会较注意。 只有总地契银行不批贷 “另外，一些已经完成建设的房子， 如果尚未获得独立地契 ( lndividual Title) ， 仅有总地契 (Master Title) ， 据我们的经验， 有80%的银行是不愿冒险接受， 除非该家发展商信誉良好。“因为没有地契在手， 对于银行而言， 就是没有任何保障。" 叶佳强也指出， 如果工作地点与购买房产的地点不在相同白勺地方， 申请借贷时， 也可能会面对困难。 “举例来说， 一个人来自芙蓉， 在新加坡工作， 但是， 想在吉隆坡买房子， 那银行就会询问为何在吉隆坡置产， 因为银行不晓得他们的资金从哪里来， 担心会冒太大的风睑。" 房产类型成考皇因索 叶佳强也坦言，一些房产类型也是银行考量借贷的因素之一， 如果房产属于办公家居单位 (SOHO) ， 而附近却有许多空置的店屋， 同样会影响银行房贷。其实， 银行也是盈利机构， 如果想深一层， 银行打开门做生意, 在放贷之前， 最先考虑的是什么? 没错，当然是借贷者是否有能力还贷， 在了解之后， 并不难理解， 为何某些银行会对于文件及资格审批较严厉，主要还是不希望借出去的钱收不回来，毕竟，银行还是希望能够获得保障。 结语: [...]
PERNAHKAH anda dengar rakan-rakan anda berkata: “Aku sudah bayar hutang rumah lima tahun, tapi baki hutang macam tidak berkurangan,” atau mungkinkah anda juga merasai pengalaman yang sama? Saya pernah dulu menanggung hutang rumah sebanyak RM200,000. Setiap bulan saya bayar RM10,050. Tetapi selepas lima tahun saya bayar hutang rumah saya, baki hutang rumah masih lagi [...]
You’re ready to buy a home, but you can’t find a bank who will approve your home loan. While this might seem discouraging and frustrating, it is not necessarily the end of your dream to become a home owner. Once you know the reason that you are considered a bad risk, you can improve [...]
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 [...]
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.) [...]
