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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 [...]
Golongan muda sekarang sangat teruja untuk memiliki hartanah. Namun dewasa ini, semua pihak perlu lebih banyak berhati-hati. Penipuan wujud di mana-mana sahaja. Mereka menunggu orang yang kurang ilmu untuk dijerat. Pelbagai jenis penipuan melalui hartanah telah dilaporkan. Ini sangat menggusarkan, apatah lagi seolah-olah tiada tindakan pihak berkuasa. Saya kongsikan panduan membeli rumah kepada golongan [...]
Last few years property induf property with the name of apartment, condominium, double storey house, single-storey house and so on.stry has changed a lot with developers keep pushing for the commercial-titled residential property like Small-offices Versatile-offices (SoVos), Small-offices Flexible-offices (SoFos), Small-offices Lifestyle-offices (SoLos), basically a designer suite or commercial office unit of residential elements. [...]
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 [...]
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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.) [...]
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, [...]
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 [...]
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 [...]
