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Dalam urusan jual beli rumah, biasanya deposit yang kena dibayar semasa menandatangani Perjanjian Jualbeli (SPA) ialah 10% dari harga jual. Kalau pembeli membeli melalui ejen hartanah berdaftar, 3% haruslah dibayar terlebih dahulu semasa membuat "booking". Kadang-kala ejen hartanah mungkin akan menyuruh pembeli membayar 3%+GST ejensi sebagai pendahuluan. Bagaimanapun, pembeli tidak akan dikenakan GST. Pembeli tetap [...]
Mr Faizal (not the real name) is a fresh graduate. He is happy to get a new job. His salary is RM1500 per month. For him, it is sufficient for now because he is single and he doesn't have any commitment. Until one day, he needs to buy a house. He is interested in purchasing [...]
1. Gaji Yang Mencukupi a. Sebelum membeli rumah, buat planning dulu. Kalau berhasrat tahun ini membeli rumah, cubalah tambahkan gaji bulanan atau cuba menjana pendapatan kedua dengan mencari pekerjaan sambilan. b. Sesetengah bank telah menetapkan gaji minima untuk membuat pinjaman, seelok-eloknya gaji minima RM3500 ke atas. c. Sebelum membeli rumah, marilah mengukur baju di badan [...]
We're looking for enthusiastic Mortgage Sales Officer (MSO) to be our Business Partner. Description: We will pass the potential customer leads to the MSO, and he/she shall follow up through for the home loan application and acceptance of bank letter offer. Criteria: At least one-year experience preferable Mortgage Sale Officer from any banks in Kuala [...]
Just a community reminder to all the house owner out there to be more diligent when handling existing home loan account. Some banks are imposing a penalty in home loan interest rates to a borrower that make a late payment to their home loan account for consecutive two months. Let’s check out the sample of [...]
DO YOU KNOW? Most commercial property ( e.g SOHO, SOFOs, SOVOs, or Flexi/Designer Suites etc.) is not regulated under Housing Development (Control and Licensing) Act 1966 (HDA). The Housing Development (Control and Licensing) Act 1966 (HDA) places strict standards on developers and offers several layers of protection to home buyers. Home buyers’ interests are [...]
What is Private Caveat? A PRIVATE caveat is a formal legal notice to the world that you have an interest in a particular property or land. For example, a purchaser who has paid a deposit under a sale and purchase agreement could enter a private caveat on the land to prevent any further dealings related [...]
When come to choosing the right home loan products, many borrowers can easily get confused. Here we have a simple and brief comparison to help you making those decisions. Full Flexi Loan 1. Borrower may have to set up a current account for a fee, which is linked to the loan account. 2. Borrower allowed [...]
Hey guys, Welcome to MalaysiaHousingLoan.net. And today, I'm going to share with you, three mistakes that most borrowers do. We do understand. Lately, the central bank had strengthened the policy, and it gets tougher to get a loan so hopefully with this video, it can help you when applying for a loan. Regardless, any [...]
Hi, I guess this is worth sharing and if you're wondering what that information on the CCRIS Report mean, check out the simple, self-explanatory version of CCRIS report provided by Bank Negara Malaysia. It is important to review and understand your CCRIS Report before applying for any bank loan. I promise you, its will help [...]
