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Today, a customer name Mr. A shares his story with us. Mr. A bought a property from a seller. Seller has misplaced their original SPA. But, the seller has a CTC SPA copy. The property was an old property, under the master title and developer is no longer around. A liquidator company was taking [...]
Ms. A: My husband passed away, he bought a house and took a loan with your bank. He also bought MRTA. Bank: Oh okay, let me check. (clicking the computer). Bank: Yes, he took a loan with us. Let me check the MRTA. (After a while...) Ms. A, the MRTA is not enough to [...]
I think we know by now that the complete process of purchasing a house will take about 3-6 months. That's the average. But, why a purchaser should avoid buying a house during early or end of the year? 1. Too many holidays during that time, e.g., Christmas, new year and Chinese new year, etc... [...]
Coretan Hidup Agent rumah cakap FREEHOLD & LEASEHOLD rumah sama je... Betul ker? Banker cakap rumah leasehold kalo balance lease kurang 40 tahun, susah bank nak bagi pinjaman. Valuer cakap rumah leasehold kalo semakin kurang balance lease period akan menjadi kurang 'menarik'. Value rumah mungkin susah nak naik. Majlis perbandaran cakap jangan lupa memperbaharui [...]
Several years ago, I used to work with one of the local banks. I was doing mortgage sales and also handling customer service. One day, I was approached by a lady. She complained about her loan account balances that seem to be odd. So, I checked her loan account and realised that the system [...]
Soal Jawab Pelanggan: Cik A : Saya beli rumah dari pemaju, dah lama dah... Pemaju pun dah bankrap. Rumah tak siap. Tapi bank dah disburse sebahagian duit kepada pemaju. Saya tak bayar pun kat bank. Sekarang dah black list. Perlukah saya membuat bayaran? Jawab: Cik A, andai kata bank telah membuat disbursement kepada pemaju, [...]
Tahukah Anda? Kalau anda membeli rumah dari ejen ataupun menerusi penjual, pastikan anda mendapat dokumen dibawah semasa memberi ejen deposit rumah. Dokumen tersebut adalah agak penting untuk pembeli membuat pinjaman bank. Tanpa dokumen ini, proses kelulusan pinjaman perumahan boleh terbantut. 1. BOOKING RESIT EJEN Selepas memberi deposit, pastikan anda mendapat booking resit dari ejen [...]
1. Beli rumah dulu, baru beli kereta. Sebab loan kereta lebih senang nak lulus dari loan rumah. 2. Kalau ada loan PTPTN pastikan bayaran mengikut jadual. Jangan sesekali tak bayar! 3. Jika ada plan beli rumah, mulakanlah "tabung beli rumah". Target simpanan dalam 16% dari harga rumah. 4. Pastikan juga hutang pinjaman lain bayar [...]
1. Ensure you have good credit records and all other payments (if any) are up to date. 2. Keep repayments and service loans timely so as to maintain a clean financial state such as car loan, personal loan, PTPTN loan, etc. 3. On applying for a loan, disclose all financial information required correctly, such [...]
Everyone love a clean and beautiful house. That's why you can see developers will spend money on their showroom or gallery to impress a new buyer. Even IKEA is adopting the concept of a clean and beautiful house, which make you want to buy their sofa, TV cabinet, beds, wardrobe and lots more. People [...]
