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If you're going to buy a house after 1st July 2019, I'd suggest reading till the end of the article. There are a few Stamp Duty Exemption will be ended by 30th June 2019. And there are a few will be started effective 1st July 2019. So, let's talk about the one that will [...]
In the last quarter, Bank Negara Malaysia (BNM) reduced the Overnight Rate (OPR) to 3%, and this is good because every bank in town started to reduce their Base Lending Rate (BLR) or Base Rate (BR). And because of this our home loan installment has reduced and we're getting an insanely low home loan [...]
Client Question: Is it true that the transfer of ownership has to be done after five years of staying in the property? How much is the stamp duty? MHL Answer: Once the property completed, the transfer of ownership can be done. However, there is a specific house like under 1Malaysia People’s Housing (PR1MA) program [...]
Question: Hi melissa, my ccris record is "too clean" so a friend suggest to apply for personal loan (RM25k for 7 years with aeon) my gross salary RM4,500 nett is RM3,900 monthly personal loan RM596 currently applying housing loan RM500k what are my chances? MHL Answer:Hi,I hope "too clean" means you have no loan [...]
Valuation Report is a report issued by a valuer firm to a bank to confirm the actual market value of a property.A submission of Valuation Report is required for a completed property.A bank requires submission of a valuation report for any property that is completed regardless of buying from a developer, property agent or seller, [...]
Adalah dinasihatkan, pembeli dan penjual melantik peguam masing-masing. Kesilapan bagi banyak orang dalam urusan jual beli rumah adalah mereka sayang untuk keluar duit untuk bayar perkhidmatan peguam, terutamanya penjual. Kebanyakan penjual akan menggunakan khidmat peguam pembeli untuk mewakili mereka. Alasanya, hendak jimat kos dan masa. Lagipun kalau pakai banyak-banyak sangat peguam nanti urusan jadi [...]
Before buying a house, most of us want to know, how much loan can be approved based on our current income. And it's can scary if stepping into the buying process without getting this fact straight. So, today we're going to discuss - How much loan can i get on my salary? If you're [...]
Everyone makes mistakes. I just wish someone had been a little more honest with me about potential mistakes when I was first buying a house! So, to that point, I thought I'd write an article for you of My BIGGEST Buying House mistakes so you can be all-the-wiser, and hopefully dodge some of these [...]
1. Anda perlu mendapatkan Salinan Geran Rumah ataupun Perjanjian Jual Beli ( SNP/SPA) Penjual. 2. Dengan mempunyai dokumen tersebut, anda akan mengetahui siapakah pemilik berdaftar rumah tersebut. 3. Pastikan anda hanya berurusan dengan pemilik rumah atau agen rumah yang berdaftar. Tip : Orang yang menjual tidak semestinya pemilik rumah. 4. Selalunya melalui agen rumah, [...]
Question: My banker don't allow me to appoint my Sale & Purchase Agreement Lawyer as the Loan Agreement Lawyer. Can they do that? Answer: #HomeBuyingTips First of all, know your rights. Don't let anyone stripe your right when buying a property. 1. You can always appoint your own Sale & Purchase Agreement Lawyer. 2. [...]
