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Today is a Saturday. Usually, we will take a good Saturday or Sunday to clear our mind. That's mean, no working. But, it's the most difficult things to do because people need help and advice from us regardless of Monday or Sunday. And of course, we're happy to help too. So, I was sitting [...]
Many years ago, my family and I were living in a low-cost flat somewhere around Setapak,KL. We lived there for many many years. Once my sister and I have a steady job. We decided to move to a bigger house. As the flat unit is about 529sft and there were 3 of us, we [...]
You’ve finally figured out what you can afford and closing costs that you need, thanks to Malaysian Housing Loan. Now, it’s time to hunt for a house! We all know that searching for the right property takes a lot of time. You need to do a lot of homework before going down that road. [...]
Facts about Property Market Now:- 1. Unsold residential unit increase 40%. 2. The unsold residential unit is a total of 20,867 units worth RM12.26 billion. 3. The unsold residential unit comprises condominiums and apartments priced between RM500,000 and RM1,000,000. 4. Housing price growth in Malaysia has moderated to 5.6% in the second quarter of [...]
Answer: If you're buying a subsale house, you're buying the house on an "as it where is basis" (Meaning it is based on the current state of the home). It means the house condition at the time of the sale and purchase agreement (SNP) was signed, will be the same as when handing over [...]
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 [...]
The federal spending plan for 2018 or Malaysia Budget 2018 will be tabled in Parliament on October 27, said Datuk Seri Najib Razak today. The prime minister and finance minister also said the government will hold sessions to gather views and feedback from various stakeholders in drafting Budget 2018. Recently, The Real Estate and [...]
Condominium Pro:- 1. Normally, the price is cheaper. 2. When starting a family, more manageable house and cost. 3. Smaller space, easy to maintain. 4. Better investment and cash flow. 5. Re-sell price is lower compared to double storey house. 6. Multi-tier security. Feel more secure. 7. Beautiful landscape and multiple facilities, e.g swimming [...]
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: [...]
