• Apartment di Cyberjaya untuk disewa

    Untuk mereka yang bekerja di Cyberjaya dan Putrajaya, kami ada apartment-apartment yang cantik dengan harga terbaik di Cyberjaya. Hubungi 012-3547636 untuk pertanyaan.

  • Buku Hartanah Panas

    Beli 5 buku, kos posnya percuma. Tak kisahlah pos ke Semenanjung atau pos ke Sabah dan Sarawak. Whatsapp 0123547636 dengan keyword 'buku property' ya....

  • Jom Cari Rumah di Johor

    Sabtu Ahad ni jom jumpa di Plaza Angsana, Johor Bahru untuk Jom Cari Rumah. Slot saya, sabtu jam 4 petang ya.

  • Nak jual, beli atau sewakan rumah?

    Saya sedia membantu jika hartanah anda di Lembah Klang atau Pahang. Hubungi saya 0123547636

  • Kasi Terbit dengan koleksi buku panas

    Kita ada koleksi buku-buku hartanah, buku travel dan buku perubatan. Lebih unfo akan ada di sini ya.

Your question answered - rumah apa dan bajet

Last week, I received an email from a reader, asking questions about should he buy a house now (according to his wife advise) or just continue renting it since they live separated (his wife is a teacher in Kota Kinabalu). If buying a wiser decision, which house is a better and how much is the cost involved?

Without revealing his privacy, I put here the edited question and my answer for all reading.

Question:


saya berminat nak membeli rumah dan saya nak tau la proses2 dia, dan berapa agak2 budget yang saya kena sediakan

Kalau ikutkan saya, saya nak beli rumah untuk investment shj, nanti kalau dah tua, beli tanah kat kelantan nak duduk sana. Sebab sekarang ni saya cukup selesa menyewa rumah kat kawasan masjid pantai dalam dengan harga RM600 sebulan. Tapi masalah nya isteri saya nak suruh saya beli rumah teres 2 tingkat dan nak duduk rumah sendiri. Untuk pengetahuan puan isteri saya mengajar di sabah dan saya tinggal sorang2 je kat pantai dalam. Saya nak tanya puan berbaloi tak kalau saya beli rumah untuk duduk, sedangkan nanti saya duk sorang je, bersama isteri pon bila cuti sekolah shj.

Berrdasarkan budget, saya nak beli rumah bawah RM200K. Ada 2 option 1) kat kota kemuning harga dlm RM180K kat GreenVille dan 2) kat puchong prima harga dlm RM200K.

mengenai bank plak saya cadang nak beli guna loan bank. Dan saya cadang nak beli rumah ni untuk duduk la, sebab ini kan pembelian rumah pertama saya. kalau bole mintak pandangan puan, berapa cash yang saya kena sediakan dan kalau bole serba ringkas proses dia la...

terima kasih sekali lagi kerana membaca email ni.


Answer:

saya tak boleh nak masuk campur hal perbincangan rumahtangga encik. sebenarnya membeli rumah adalah satu investment yang sangat baik. Bagi pendapat peribadi saya, drp encik menyewa dan membayar sebulan rm600, lebih baik duit utk digunakan utk membayar rumah
sendiri. utk rm600, encik boleh membeli sebuah apartment di pantai dalam atau bukit angkasa yg bernilai rm110k.. dan ia kekal seumur hidup encik. Ini kerana, duit tetap akan habis juga jika
kiter tak belanjakannyer ke pelaburan hartanah ni kan..
of course, sekiranya encik menyewa rumah saya, saya lebih gembira encik menyewa shj kerana encik memberi saya wang yg mana saya boleh gunakannya untuk membayar pinjaman rumah tersebut ke bank. lama2, apabila cukup 30 tahun encik dan pengganti berbuat
demikian, rumah tersebut akan jadi hak milik saya kekal dgn hanya 10% deposit shj! bukan rm110k tau, tp wang saya cuma rm11k sahaja! :)

ok, nampak tak mengapa saya galakkan encik membeli rumah.

ok, sama ada rumah teres atau apartment, sbnrnya tertakluk kpd beberapa perkara.
1. tujuan pembelian
2. budget
3. perancangan dan perbincgn antara encik dgn isteri

jika tujuan adalah utk investment dan bukan semata2 utk duduk sendiri seumur hidup, encik perlu menimbang hartanah yg nak dibeli tu.. bukan semata2 memenuhi citarasa encik tetapi sebaliknya perlu memikirkan citarasa org yg akan menyewa atau membeli rumah itu nanti.
Sekiranya apartment, kadar sewa yg diperoleh, jika kena dgn tempatnya, jauh melebihi byrn bulanan yg en perlu byr ke bank. namun capital appreciation nye lebih rendah, bermakna biasanyer kalau nak jual balik, harganyer tidak la melambung tinggi sgt, tak spt teres atau
rumah bertanah.
sebaliknya kalau rumah bertanah, kadar sewa biasanyer lebih rendah dr bayaran bank. bermakna jika en bhasrat nak menyewakannya nnti, biasanyer encik perlu topup dgn duit encik sdr la gak utk bayar ke bank nanti. Tpi biasanya, kalau kena dgn tempatnya, capital appreciation hartanah jenis ni tinggi. Jgn terkejut kalau harga jualnya naik rm60k dalam masa dua tahun!

dr segi bajet, mmg biasanyer rumah teres lebih mahal. Duit yg perlu disediakan berbeza mengikut hartanah. Kalau encik berhasrat membeli dr secondary market spt yg encik bgtau saya ni, bermakna dah pasti encik kena sediakan 10% deposit dr harga rumah tersebut. Sbg contoh rumah di puchong itu bernilai rm200k, encik kena sediakan rm20k sbg deposit. biasanyer, ketika kiter confirm nak beli rumah tu lagi, owner atau agent akan request kiter byr 3% dulu sbg tanda confirm, then barulah diikuti dgn baki 7% semasa menandatangani perjanjian jual beli dgn peguam. Selebihnya, encik boleh memohon pinjaman yg biasanyer menyediakan pinjaman sehinga 90% dari harga di dalam perjanjian jual beli tersebut.

Kemudian, encik kena standby duit peguam. anggaran caj peguam, sila rujuk di calculator yg saya link kan dlm entry saya berjudul entry cost calculator atau klik di sini untuk melihat entry tersebut.

Namun jika encik membeli hartanah dr developer iaitu rumah yg baru nak dibina atau belum dibina, biasanyer mereka menawarkan pelbagai diskaun ke atas harga rumah serta bayaran guaman percuma utk pjanjian jual beli. Untuk mendapatkan bayaran peguam percuma utk pjanjian pinjaman pula, encik boleh memohon pakej pinjaman beserta zero moving cost yg mana bank yang akan menanggung segala bayaran peguam. namun begitu, kadar bg zero moving cost adalah lebih tinggi dari kadar without zero moving cost.

Bajet ini juga perlu dikaji bersama2 kelayakan pinjaman encik, maksud saya berapa had maksima yg bank boleh tawarkan pinjaman kepada encik. encik boleh la bertanya kadar kelayakan pinjaman encik serta valuation harga semasa rumah yg hendak dibeli itu dr pegawai bank. ye la.. kdg2 penjual nak menjual lebih tinggi dr harga bank value rumah tu, kalau penjual nak jual rm200k misalnya, tetapi bank value cuma rm180k, bermakna kadar maksima pinjaman yg bank boleh tawarkan cuma 90% dari rm180k sahaja. ini bermakna encik perlu mengeluarkan wang tunai yang banyak! ingat, dlm pelaburan hartanah (untuk tujuan investment), gunalah semaksima boleh duit dr org lain (bank atau duit penyewa). minimakan duit kita sendiri.

berdasarkan apa yg saya cerita ni, cuba fikir dan bincang dgn isteri encik, yg mana satu yg terbaik.

I welcome any suggestion, opinion and knowledge sharing from all readers regarding this issue. Please feel free to leave a comment here.
Share:

anggerik perdana - part 2 - CF

i got a very very very good news yesterday evening. jasmine, our agent for anggerik perdana told me that our houses has successfully get the CF! oye oye.. she said that the developer, getaris, will take 2 - 3 weeks for the handling over process before they give us the key!

This morning, when i arrived at my office, i made this announcement. I told u before right, that in this office, 7 of us are the buyers. We got a 5 minutes party time then.. hehehe

However, one thing come across. We need to prepare money for the handling over.. and since we are going to need extra money for eid celebration, we do really hope that we will get bonus this year! amiin..
Share:

section 7 shah alam

i have a friend who have been targeting to buy a medium cost apartment in section 7 shah alam since last 3 months. However, until today, he has not successfully find one unit ready to be sold to him. This is a really hot area, like 'goreng pisang panas'. The only different between them is that goreng pisang panas is available to be sold at any stall and it sells good. But, an apartment in section 7 is too hot that makes very hard for the owners to sell it. (hm.. goreng pisang panas yg sumer org sayang nak jual tapi nak makan sdr je.. can I say like that? hehe)

What is so good about section 7 shah alam? ok, the good points are:
- just opposite uitm shah alam entrance 2
- easy access to federal highway, kesas and elite
- lots of restaurants, cyber cafes and shops there that makes students love the area so much
- rental asking price is up to 700 - 800 per month

Last 2 weeks, this friend of mine read an advertisement of this golden property to sell. level 3, RM 80k, currently tenanted at rm450 per month. wah!! he set an appointment with the agent to visit the house at the other day's morning. Then he asked me to accompany him, but i got class to attend since the appointment is on saturday. Later on, he tell me that he postponed the appointment to the evening because he needed to go to his office to settle few things with his boss first.

On the appointment day's evening, he called me.. He said, the agent contacted him, telling that no need to come. There was another man visiting the apartment on the morning and he confirm to buy at rm72k! Cheque had been delivered to the agent. What a poor man he was... :(

He kept telling me, if he able to go to the house in the morning and offer to buy at rm75k, the apartment will be his..

Friend, don't give up. Surely one unit is waiting for you.. just wait and keep updated!
Share:

vista angkasa - part 7 - valuation

i am in kota kinabalu now. .have important job here to be done perfectly in order to preserve the good image of my division, my boss and mine too! Thanks for the two kind and hardworking programmers from ICT division and also two kind and humorous cricket statistics officer that help me all the time here.

while waiting for flight departure at klia, I quickly connected my notebook to the free wireless provided there and accessed bankislam.biz. Actually, the KGV Lambert, valuer of my vista angkasa has already did the valuation of the property. They contacted me one month ago for an appointment to take photos of outside and inside of the property. The photos are crucial for the valuation process. After contacted the current owner of the property, I managed to set an appointment between the tenant of the condo and Priya, the valuer. Unfortunately, I was not able to be there because I need to be at somewhere else.

On monday, Priya told me that the report of the valuation is now completed but pending to be submitted to the bank due to the pending payment. But now, after completed the online interbank credit transfer and updating the status of the payment to Priya, I guess the process completed. :)
Share:

Symphony Heights


I got two letters from S.K Brothers Realty (M) Sdn Bhd, inviting me for a dinner with them and other purchasers of the serviced apartment. Attached in it was 5 cash voucher valued RM1k each so that I will distribute them to my friends who wish to buy the apartment and get the rebates. In total, there are 10 cash vouchers altogether, means total value is RM10k. If 5 of these vouchers are redeemed, I am eligible to get 1k rebates for my own purchasing.

Symphony Heights is a serviced apartment developed by Huayang and marketed by SK Brothers Realty.

Quoted form iProperty:

High-quality home at 10% price

Gorgeous views, facilities for your every need, and a zippy exit to practically anywhere – at a fraction of the price! Welcome to Symphony Heights.                 
People are singing praises about the many assets of Symphony Heights, a serviced apartment project offering 946 units on a 2.97-acre site in the established and sought-after Selayang-Batu Caves neighbourhood. Little wonder that it has generated over 900 registrants waiting to place their bookings, even before its official launching in July.
Significant crossroads

Strategically located off the Batu Caves roundabout, at the Middle Ring Road 2 (MRR2) and Jalan Ipoh Interchange, Symphony Heights is easily accessible via major roads such as the Damansara-Puchong Highway (LDP), Karak Highway, New Klang Valley Expressway (NKVE), Elevated Highway, North-South Expressway, and Kuala Lumpur-Shah Alam (KESAS) Expressway.
Abundance of Amenities
The established neighbourhoods in the vicinity provide many important amenities, including Giant Batu Caves and Tesco Extra hypermarkets; a wholesale market; food outlets; Selayang Mall and Selayang Capitol shopping centres; Selayang Hospital; schools (adjoining to SRJK (C) Kheow Bin Batu Caves); banks and District Government offices, recreational areas such as FRIM, Templer Park and Batu Caves, and more.
For discerning buyers, the time to act is NOW as, aside from its amazing features, Symphony Heights is offering promotions of:
  • FREE legal fees on the Sale & Purchase Agreement (with firms on the Legal Panel)
  • 10% early bird discount
  • a RM500 LOW downpayment
Property Type:Serviced Residence
Land Title:Residential
Tenure:Leasehold
Land Area:2.97 Acres
Built Up:From 863 sq.ft.
Listing Price:From RM135,200 - RM230,510
No. of Bedrooms:3
No. of Bathrooms:2
Total Units/Lots:946
Bumi Discount:10%
Completion Date:June 2011 (Expected)

Unfortunately, I am not going to buy this apartment neither know any friend who is is interested to buy it.
:(
Share:

vista angkasa - part 6 - signing loan agreement

I am sorry.. Due to my heavy workload, only now i have the chance to tell you that i already signed the loan agreement for the Vista Angkasa Condo I bought. My lawyers contact me to come to her office and I did come before my visit to Singapore. As usual, loan agreement document requires us to sign or put initial on each page of each copy! It hurt my fingers, really..
Usually, if u apply for Islamic home loan, the document is thicker than the conventional one. However, thanks to Al-Rajhi for the simple document. Its number of pages is unlike my previous RHB Islamic loan..lega..

Ok, now, I am more eager to get the key!
Share:

cerita dari Singapore

lama aku tak update blog ni..
las week dari ahad sampai khamis aku ke Singapore.. alhamdulillah.. dapat amanah dari big boss untuk mewakili division aku ke sana. Seminar tu namanya International Conference in Teaching and Learning with Technology.

Aku ke sana bawa nama kementerian, bawa nama bahagian. So, aku amiK peluang ni belajar dan dapatkan input bagaimana pendidik dan Kem Pelajaran Singapore dan Kem pelajaran seluruh dunia menggunakan teknologi dalam pengajaran dan pembelajaran mereka.

Sebelum ni, aku dah 2 kali berpeluang ke seminar seumpama ni tp kat sini jer la.. anjuran bhg teknologi pendidikan. Seminar2 ni pun bertaraf antarabangsa. Ramai speakers, expertise dan peserta dari luar negara di jemput berkongsi pengalaman. Tapi kali ni istimewa sbb aku pula antara peserta dari luar negara yg hadir ke Singapore.

Singapore jauh lebih maju dari kiter. Singapore lebih aman, jauh lebih bersih, lebih terurus dan perancangan bandar yang lebih maju dan teratur. Sistem pengangkutan awam nyer kalau banding dgn malaysia, mereka 10 markah, kiter 3 markah kot.. Lepas tu, kami tak perlu bimbang dgn kejadian ragut atau jenayah sbb di sana selamat. Aku pernah balik dari Mustafa pukul 12.15 mlm ke hotel sorang2 tp tak risau pun. No wonder la singapore pernah kata bandar JB tak selamat. Tgk la jenayah kat negara kiter.. even aku pun pernah jadi mangsa snatch ni.. .. sigh..

Di singapore ni, boleh katakan gaji mereka lebih tinggi. For graduate teachers, their basic salary start from SD 2xxx. But for those having a good honours degree, may get salary from SD 3xxx. tak macam kat msia.. kt sini, suruhanjaya perkhidmatan pendidikan x peduli u dpt 1st class honours ke atau 3rd class ke, gaji sama.

Singaporean kan ader cina, melayu dan india. Their 1st language is english. So, ini menyebabkan chineese singapore tak boleh bcakap mandarin dgn elok, begitu juga dengan org melayu singapore tak boleh bcakap melayu dgn elok. Seorang kenalan seminar memberitahu aku bahawa kem pelajaran singapore mmg memerlukan guru bahasa yg betul2 pakar dan bagus, even diambil dari luar singapore dan tidak boleh berbahasa inggeris. Member tu bgtau, mereka ader mengambil guru bahasa mandarin dari China yg mmg tak tau ckp inggeris. So, dia dapati ada guru dari Malaysia yg memohon utk mjadi guru bahasa melayu di sini dan mendapat gaji yg jauh lebih tinggi dari gaji cikgu kat malaysia. Berminat? ok, maklumat dan borg permohonan ader di laman web MOE singapore iaitu www.moe.gov.sg

Barang2 agak murah di sana jika dibanding dgn gaji yg mereka terima.Even sesetengah barang masih lagi lebih murah selepas kiter convert duit singapore tu ke ringgit msia.. namun begitu apabila melibatkan tanah dan ruang, sgt mahal. Hartanah di sana mmg mahal. For SD90k, mereka hanya dpt apartment yg kecik sgt.. Parking rate pun mahal. Tapi disebabkan sistem MRT dan bas mereka bagus, mereka banyak menaiki kenderaan awam je ke mana2..

gambar2 on this seminar masih terperap kat dlm nbook aku. cuma 3 keping je yg aku dah letak kt friendster aku.. hehe
Share:

Disclaimer

This blog is for information and experience sharing. The authors are not responsible for any loss or damages caused by the manipulation and application of information obtained from the blog.

Facebook

Popular Posts

Translate Blog

Highlight

Mentari Court below market untuk dijual

Tiga tahun lepas, seorang kawan saya pernah bertanya potensi Mentari Court. Masa tu harga jual di sana dalam 180k. Saya katakan, bole...

Blog Archive

Real Estate Bloggers

Arkib Blog