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Petikan dari Berita Harian, 31 Disember 2008 Oleh Che Wan Badrul Alias chewan@bharian.com.my Jatuh 15 peratus berikutan tempias krisis global KUALA LUMPUR: Harga rumah dan hartanah mengalami kemerosotan lima sehingga 15 peratus berikutan tempias kelembapan ekonomi global serta kejatuhan harga keluli, iaitu komponen penting pembinaan hartanah baru-baru ini. Presiden Persatuan Pemaju Hartanah dan Perumahan Malaysia (Rehda), Datuk Ng Seing Liong, berkata berdasarkan makluman dan laporan ahli, pemaju perumahan terpaksa menurunkan harga berikutan permintaan semakin berkurangan. Katanya, ia disebabkan semakin ramai pembeli mengurangkan perbelanjaan dan bebanan kredit sebagai persediaan menghadapi kemerosotan ekonomi dunia yang dijangka mula dirasai tahun depan khususnya dalam industri perumahan dan hartanah. Beliau berkata, penurunan harga beberapa komponen utama bahan binaan seperti keluli yang kini hanya RM1,900 daripada RM4,100 satu tan turut menjadi penyumbang kepada kejatuhan...

last week, my pain and stressful unstable emotion of waiting for my last sem's final exam result ended. on 18 dec evening, the result successfully released online (after 6 times checking on 17 dec and 5 times checking on 18 dec morning.. hehehe). alhamdulillah.. i passed all the papers.. and all my friends too! congratulations to myself, mayah, anim, mazni, rozia, huda, asmath, zura and all coursemates! we did it! the most grateful thing is i got a- for constitutional law 1! alhamdulillah.. thank you very much Allah.. thank you very much Prof Shad for the great lecturing and kind marking of our answers.. actually, i was so worried that i will fail conti 1 because during the exam, i mistakenly interpret the wall clock. i do not have watch for the last 4 years until now. so, in the exam hall, i depended solely on the wall clock provided at the front of the hall or to announcements made by exam invigilators. While rushing on answering the Part C question, i kept on looking at th...

Bank Negara has announced to cut on the benchmark Overnight Policy Rate (OPR) by 25 basis points (bps) to 3.25%. This is expected to give a good news to property investors but bad news to fixed deposit income earners. BLR is expected to go down from the current 6.75% to 6.5%, a very good news to property investors. This will lessen the monthly loan payment and the total repayment amount, depending on the home loan package they applied. This is contradict to rumors spread from the mid of year that the BLR will likely to increase to 8%.. makes lay people fear to buy any property. If you hold a fixed rate home loan, this news do not bother you at all. But, unfortunate situation for fixed deposit income earners. The FD rate is expected to be lower too.. makes the income earned from the interest of the deposit lesser than below. Hm.. for bumi, we have another choice.. put your money to the ASB which provides a much higher profit up to 9% per annum. We also have lots of PNB products to cho...

For the last 4 years, I am looking for procedure and venue on how to be a registered organ donor. I asked government clinics but they asked me to get info from any govt hospital. Unfortunately, when i went to hospital, it must be for the purpose of visiting warded office mate and I came with other office mates. So, it is not nice to make them waiting for me while i searching for the correct counter to inquiry info on the registration. Thanks for the great IT team from Unit Perkhidmatan Transplantasi, Bahagian Perkembangan Perubatan dan Pusat Sumber Transplan Nasional, who develop a special website for the organ transplant. I notice of its existence from advertisement on tv. It provides info on organ transplant, being an organ donor and some successful stories of it. The Web is  http://www.agiftoflife.gov.my/ So, yesterday, I downloaded the registration form, filled it and faxed it to the fax number given. It was so easy. I plan to donor my kidneys, heart, liver, lungs and my co...

Last two weeks, i received a letter from DBKL confirming the transfer of ownership of the Vista Angkasa unit from the vendor (the previous owner) to me. Alhamdulillah.. my dream to buy a unit of Vista Angkasa is now almost becoming a reality. After receiving the letter, my lawyer, Shuna, who is also acting on behalf of the vendor, continue with redemption procedure.. getting the balance of loan of the vendor to be cleared. Then, on last week, after doing some calculation, she prepared an authorisation letter and emailed to me to get my signature. In the letter, I admit and authorise my loan bank (alrajhi) to pay my loan amount to: 1) the vendor bank for the full payment of the vendor's full balance of loan 2) Hasnan Hamzah as the stakeholder of the vendor an amount of money which the selling price minus the amount above 3) my saving account if there is still any balance after deducting the two above, which is actually no balance unless the calculation above is incorrect. The...

Salam Aidiladha for all readers.. Yesterday I got a comment from an unknown reader, requesting me to update my blog. For how long i am not updating it ha?Owh... more than two weeks!! ok, its too bad. Actually lot of thing happens within this two weeks that limit my free time to update the blog. Since I moved to my new house, I planned to do repainting. The original dull yellow colour makes me feel bored.. :( Even though my mom said, " Kan sayang cat asal tu.. cat baru tu..", I still stick with my plan to paint it with my self-picked and favourite colour..hehe.. two colours flew into my mind... So, 15 Nov 2008 (Saturday), my sister and I go to a hardware shops. We also looking for tikar getah actually.. My house is not built with tiles, low-cost.. And I am short of budget to put tiles now. So, tikar getah sounds ok. Then, we found that there are one hardware shop in Taman Pinggiran Putra selling paints at a price of lower than i used to buy .Lucky me! I bought fou...

after almost finish did the repainting work, i am now looking and hunting for ideas of my new house's interior design.. . After googling around, i found this website useful. It provides interior design photos for you. There are lots of photos and it is absolutely free! It is  http://www.decor-photos.com/ I also found an interesting blog regarding interior design from a local man. It is  http://www.howshouse.com/ I do not have any ideas of decorating a house or even picking a theme for it(english style? zen? manhattan style? what is it?) But since i am start staying in my own house, this is the thing i force myself to do.. hopefully the interior look of my house will be ok, not end up with a taska mood.. :)

I was requested by my lecturer to do an executive summary writing on any self chosen research report for my 20% coursemark marks and 20% presentation marks. Bet what research I chose? It was Leave Vacant or Rent: The Optimal Decision for Absentee Home Sellers, a research done by Terrence M. Clauretie and Marvin L. Wolverton from USA. It is basically about, if an owner wish to sell their house, which decision will profit them most; rent it or leave it vacant?The decision is based on the time on market (TOM) that is from the time the property put for sell untill the house is completely sold and also in terms of the final purchase price. The reserach was done in US, by collecting data of 55,202 houses sold in the Las Vegas from January 2001 until March 2004. The conclusion of the research finding is that in US, buyers prefer to buy a house with owner-occupied, compared to vacant or tenant-occupied. Then, house with tenant occupied takes longer time to sell (more value on TOM) and lower pu...

Don't have any plan this weekend? Friends, MAPEX 2008 is around the corner. From 7 - 9 November at Mid Valley Megamall from 10.00 am to 9.00 pm. It is so good to be there for property's window shopping .. hehe.. and to make you keep updated with the current and latest property development projects. If you wish to buy, remember, do your own research first. Don't just believe every single word that come out from the agents' mouth. It is still the best way to visit the show house first, not only the booth. Otherwise, you can fill up your weekend calendar by visiting Azizi Ali's office for book shopping and attending short talks as in my previous entry.

I would like to share with you all a good news i received from Azizi Ali, in case u are not subscribing his newsletter. TrueWealth Day is coming. We have planned an exciting event for you at our office in   Kelana Jaya. On Saturday Nov 8, we are having our first ever TrueWealth   Day promotion. From 10 am until 5.30 pm on that day, we are   having a Special Sale at our office where selected books are   going for discounts of up to 70%. Further, if your purchase exceeds RM150, you are also entitled to a free book. To   make the day even more memorable, we will be having some of   our authors there. So this is an opportunity for you to meet   your favourite authors, ask them questions, get their   autographs and even have your pictures taken with them. These are some of the authors that will be giving talks at   the event: LIST of AUTHOR 1)---------------------------------------------------------- Dr Norman Norawi TIME = 11.00a...

Yesterday, a blog reader who is now officially my friend came to KL to handle his Vista Angkasa purchasing. He is from Terengganu and came to KL just for the purchasing purpose. He contacted me through email since one and half months ago and I managed to help him by getting a good lawyer (which is my lawyer for Vista Angkasa purchasing too) and a very kind lawyer's staff to pick him, bring him to bank and to the law firm's office for the deal between him and agent, witnessed by the lawyer. He successfully paid the 3% booking fee. The lawyer, who acts in behalf of both parties, will prepare the s&p, help to apply bank loan and all the procedures. Thank you to the lawyer, Mrs Hazlin and Ms Siti Hanim from Hasnan Hamzah for helping my friend. Before going back, I managed to meet him yesterday evening and we had a very interesting chat. Thank you for buying me Filet-o-fish set. :) Hm.. Maybe he is now safely arrived at his hometown. Its an honour to meet you!

Last week, I received an update for my Vista Angkasa from my lawyer. After receiving the surat ikatan penyerahan hak from the vendor, DBKL sent a letter to my lawyer requesting me to pay some fees, that are: 1. Admin fee - rm50 2. water deposit - rm110 3. service charge deposit - rm 240 TOTAL = RM400.00 I don't want to delay the process any longer, thus paid it cash when I met my friend, anim who work at the firm at our other friend's open house.

alhamdulillah, last week i officially received a good news, i successfully climb one step further in my current career. not me alone but also my four friends who reported with me at the same date 4 years and 10 months ago.. alhamdulillah and congrates to rozia, zai, kak ain, adah and me! Also congrates to KPMmate; Azira LPM, Hazira BTP dan Liza BTMK. supposed, this week is my last week in kementerian pelajaran, but I plan to apply for postponement for another 2 weeks. My boss, of course, feel happy with my application and ready to support the letter. There are lots of things need to be settled before I go, or at least need to be started and ensure it is working and in progress. Ayat and I started the operation of this unit from scratch and it is not so easy to leave it. It is also not easy to say good bye to Sekolah Sukan IT team which I cared for this period of time, plus the new Sekolah Seni. The most difficult part is to say good bye and to leave Ayat, my teammate who has been str...

It has been so long not to update my blog and replying emails. Sorry friends, i have a tough meeting out of my office for two weeks, making me hard to access the internet in terms of infrastructure and time. Congrates to myself. I already get the key of the first property i bought. Even though it is just a low-cost, but back in 2006, when I knew so little about property investment, this is a good move. Thanks to ctfarazila for the wish, thanks to aryz for a neighbourhood introduction! and to ruby, wish you good luck with your apartment left in KL, rite? :) any prob u can just call me. I am ready to answer you.. hehe.. ok, back to my story. I successfully get the key of the house after settle all the payment requested by the developer, that are: 1. interest charges - rm 483.22 2. quit rent 2006, 2007, 2008 -rm 25.00 3. 1 month maintenance deposit - rm 60.00 4. 3 months maintenance charges - rm 180.00 5. 3 months sinking fund - rm 24.00 6. water and electricity deposit - rm 0.0...

On Wednesday, I got another good news. Getaris, the developer of my Anggerik Perdana low cost apartment informed me that RHB ISlamic has done full settlement of my house financing. That means that.. tara.. I will receive the letter to handover the key by next week. Alhamdulillah.... Actually, among all 9 of my friends who buy properties from this project, only 3 of us will get the key first. It is because only RHB Islamic have paid it full, not their financier which are Ambank, AmIslamic and Bhg Pinjaman Perumahan (government loan). Earlier, I planned to rent this unit but now, I change my mine and decide to stay there. Just have difference in the first two line of my postal address. :)

Ahamdulillah.. last two days, when I contacted my lawyer, she informed me that the 'surat ikatan penyerahan hak' that missing from DBKL office and caused my whole Vista Angkasa Purchasing procedure pending, has been found at the previous lawyer office and has already sent to DBKL office before Hari Raya. Phew!.. I expected the transfer of property will run smoothly after this. Really excited to have it 100% mine.

Ahamdulillah.. last two days, when I contacted my lawyer, she informed me that the 'surat ikatan penyerahan hak' that missing from DBKL office and caused my whole Vista Angkasa Purchasing procedure pending, has been found at the previous lawyer office and has already sent to DBKL office before Hari Raya. Phew!.. I expected the transfer of property will run smoothly after this. Really excited to have it 100% mine.

Lagi emel yg saya terima untuk rujukan bersama. Soalan: Hai, Assalamualaikum.. saya minat nak wat investment dlm hartanah tp macam pengetahuan takde... kalau leh share ur knowledge Jawapan: wsalam, Untuk dpt knowledge dlm hartanah, mmg sangat bagus encik membaca dan dptkan makluman dr internet dan blog, apatah blog saya. :) Terima kasih. Cuma kalau boleh, saya nak cadangkan encik beli buku2 tentang hartanah dr Azizi Ali dan renesial Leong. Mereka mmg ajar satu persatu dan sumber nyer lengkap.Lagi bagus kalau dapat menghadiri seminar2 mereka. Apalah sangat harga buku dan seminar berbanding dgn nilai hartanah yg akan kiter beli .. besar risiko kalau tersilap langkah. Selebihnya, boleh la melawat blog saya lagi untuk lebih cerita dan pengalaman untuk dikongsi. Terima kasih

Yesterday, i and my office mate had a lunch on the way back to our office from bukit jalil sports school for PPSMI ICT equipments monitoring. We had a property chat then. She shared with me one tips on how to be so lucky in real estate. ops, is it a real tips? i prefer to call it a taboo. She said that, few chineese taikos in real estate said that, to have luck and succeed in real estate,  DO NOT EVER SELL YOUR FIRST HOUSE . u can keep it, rent it, stay in it or do anything but not sell it. I do not 100% believe this has direct impact to our luck or 'rezeki'.. but it is not wrong to follow it. Our first house has the most sentimental value what.. Plus, i am kind of taboo believer too! (even though one of my close friend said that I do not believe to intuition and fate.. ok, everybody has right to say anything.. we practise freedom of speech..)

harap masih belum terlewat untuk mengucapkan salam aidilfitri kepada semua kawan2 dan pembaca blog ini. Atas segala salah silap terkasar bahasa di dalam penulisan ini mahupun yg mengenali saya secara peribadi, saya pohon ampun dan maaf. Saya memang seorang yang mempunyai banyak kelemahan dan kekurangan. Alhamdulillah raya kali ni berjaya dijalani dengan baik. Berpeluang beraya dengan ibu dan bapa saya serta turut mengunjungi kampung nenek di batu pahat. Cuma raya kali ni, kami dikejutkan dengan berita kemalangan makcik dan pakcik yg sama2 tinggal di jengka ni. Mereka dan dua org cucu dlm perjalanan pulng ke kampung di johor namun terbabas akibat pemandunya iaitu cucu mereka terlelap. Alhamdullillah.. orangnya selamat walaupun kalau tgk kedaan kereta, mmg sgt teruk kancil 660 tu terbabas, terpusing dan tercampak ke dlm parit dengan keempat2 tayar di atas. Alhamdulillah makcik, pakcik dan anak sedara sepupu selamat. Alhamdulillah.. Jadi, kepulangn kami ke johor kali ni sekali dengan me...

It has been 3 months now that my Vista Angkasa purchasing procedure pending due to DBKL unable to process Confirmation and Undertaking request. It is because, they have yet to receive the copy of duly stamped "Surat Ikatan Penyerahan Hak" between the current owner, Kak Munirah and her vendor when she bought the house. Without the letter, the whole process is now stucked. Why is this happens? Ok, this happens because of the lawyer hired for the purchasing, that is K. Sila Dass & Partners, did not submit the important letter to DBKL, which is actually not supposed to happen. To make the thing worst, the lawyer has moved form KL to Kluang but all the files are left in KL. Even my lawyer, Hasnan Hamzah has submitted a letter to the former lawyer, requesting them to submit the document to DBKL as soon as possible. Unfortunately, still we receive nothing. Last week, my lawyer send a letter to the owner's banker.. requesting the same document too. This time, I hope the...

My friend, Zee informed me on last Monday, that she interested to an auction unit at Kondo Rakyat Desa Pantai. The reseved price is RM58k. She found the advertisement from the auctioneer website and give me the link for me to review. She asked me to help her contacted the auctioneer to get more info. So, after getting the info and reported back to my friend, Zee and I agreed to surveyed the house on Tuesday evening. We expected that it must be located somewhere next to Bukit Angkasa. However, because we was not so sure, we planned to find it by my motorbike only. Easy to make u-turn.. hehehe.. On that evening, we lost .. from Kerinchi untill arrived at Kg Pantai Dalam. At last,after almost one hour searching, we successfully found it. The unit is locked. All the windows are tightly closed. The neighbours said that the house was vacant since last two years. The neighbours living opposite the house is students from UM, renting the apartment for rm550/month while the neighbour living ...

Regarding my previous blog entry on 162 residency , I have been asked by few readers, why my friend cancelled the booking. Personally, I think it is a good project with good prospect. That is why I supported my friend at the first place when she wanted to place the booking. However, there was two reason why we became doubtful about this project: 1) It is built on commercial land, means a serviced apartment unit 2) The developer, as what was told to us by the agent, did not even allow buyers to hire own lawyer for any legal proceeding.. make us suspicious Fortunately, my friend found a subsale apartment unit at Taman Bukit Angkasa which is cheaper than 162 residency and with proven rental market. Buying a ready property is still better than a will-be-developed one. Anyway, our decision is not necessarily suitable for all. 162 residency is still a good buy for its buyers. :)

My brother-in-law, Zahim got a lot of calls from prospective tenants for his apartment at Taman Putra Perdana, as it has been advertised here, mudah.com.my and through yahoo messenger. The first prospective tenant came with her husband, her mom and 2 of her children. However, her mom conquered all the conversation. The mother gave unacceptable and illogical reason and story why her daughter and son-on-law wish to rent the house. The husband of the daughter was silence all the way. The couple's profession is doubtful and the mother requested for 1+ 1 deposit, not 2+1 as asked. If we insisted on 2+ 1, we needed to structure the deposit so that the deposit came with two month installment! haha.. a mother who drove Toyota Unser says that.. illogic! I dont think a poor people will drive this kind of SUV. The most scary thing was their two boys slammed the door grill and tried to play with my handphone which was right in front of me! Yesterday, a groom-to-be came and visited the house....

My sister's medium cost apartment in Taman Putra Perdana, Puchong is now vacant. The tenant, which is actually my friend cum officemate rented it for more than two years, i think. Last month, because of her application for a linked house quarters successfull, she move out. Last weekend, in conjunction with Merdeka Day, after attending my cousin's engagement ceremony at Taman Equine, my sister, Sitie, her husband, Zahim, my mom, my youngest sister, Itah, and I visited the house for regular cleaning works. However, looking at the condition of painting of the apartment, she decided to repaint it for a new look. I and her husband are given assignment to buy the paint, plus I need to borrow stair from my cousin too. While the others cleaning the house. It was very hard to find an open paint shop because it was a public holiday! However, at lastt, we found one.. at Taman Pinggiran Putra. Ok, below is the condition before the repainting works. We started the works at 6.30 on 3...

Asyik cerita pasal rumah jer, kali ni aku nak cerita pasal personal lak.. Lama tak update blog. Sebab last week aku ader hal emergency.. so balik ke kampung di Batu Pahat. Bila dah balik ke sini semula, banyak la benda pending. Tu yang tak sempat nak update blog tu.. Jumaat 29 Ogos lepas, aku, mayah, mazni dan zee rancang nak celebrate birthday anim. Her birthday is on 30th August, a day after that friday la.. kira ok la kan.. Mereka ni semua kawan-kawan baik aku yg sama-sama belajar law kat uitm ni.. kiranya rakan sekelas la.. Tapi at the end, bukan cuma celebrate birthday anim, birtday aku pun join sekali.. belated! hehe.. terima kasih geng! i love u all.. Malam tu aku dan anim dpt kad sorg satu dan kami share one dedicated cake.. makan ramai2.. tak abis makan, aku siap bawa balik lagi.. Hm.. nampaknya aku takkan lupa kad, kek dan majlis private ni seumur idup aku... Tapi birthday aku tahun ni memang menarik. Masa malam hari birthday aku ari tu iaitu pd 4 jun, aku, Ina dan...

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 ...

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..

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, current...

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 complete...

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 a...

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!

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...

Taman Anggerik Perdana. Rindu kat umah yg kat sebelah kanan tu.. walaupun cuma low-cost apartment tapi itulah hartanah pertama aku. Unit tingkat 3, menghadap utara. Harga pun cuma rm42,500, loan utk 30 tahun dari RHB Islamic. so sebulan aku kena bayar rm301. Hm.. masa tu, rate home loan agak tinggi. tak macam sekarang.. Nama developer adalah Getaris Sdn Bhd dgn usahasama Permodalan Negeri Selangor Berhad. Keluasan adalah 650 kps, 3 bilik tidur dan 2 bilik air. Firma guaman utk s&p adalah Abraham Ooi di Kajang manakala firma guaman bagi loan agreement adalah Azlin dan Rithaudeen di KL. Planning dulu, beli umah ni utk duduk. Nak jadi orang kajang la konon. 20 minit perjalanan dari rumah ke pejabat. Tapi skang ni tak tau lah lagi mcmana.. Jauh sgt la pulak dengan Shah Alam. Maybe buat permulaan ni aku akan sewakan kot. Insya allah.. Developer janji dulu paling cepat hujung tahun 2007 dah boleh masuk rumah. Memang sblm hujung thn rumah ni dah siap cuma jalan yg belum betul2 si...

Hari ini, setelah sebulan menantikannya, aku telah menerima newsletter bulanan dari Encik Azizi Ali bagi Ogos 2008. Sepertimana biasa, aku mesti membaca newsletter ni cepat2 sebab tak sabar nak mendapat info baru darinya. Ada satu soalan yang dihantar oleh pembaca telah dijawab oleh Encik Azizi. Rasa nak share soalan dan jawapan tersebut kepada semua pembaca blog ni pulak especially yang belum subscribe newsletter en azizi ni. SOALAN: Assalamualaikum En Azizi,  Saya ingin meminta pandangan dan nasihat tuan mengenai  perkara di bawah:  Existing loan : RM 75,000 (full settlement rate)  Interest rate : 6.75 (BLR) + 0.75% Mthly ins : RM583.00 Serve for 30 yrs  Tarikh DOA : 18/5/2001  Refinance  Loan : RM85,000 Interest Rate : 6.75% - 1.85% = 4.9% Mth : rm556.00 tenure : 20 yrs  Tuan rasa adakah patut saya mengambil refinance tersebut? JAWAPAN: Pada amnya, kita patut me'refinance'kan loan jika jumlah bayaran balik kita adalah kurang daripada ...

Rasa nak berkongsi pengalaman aku ketika melawat showhouse Bayu Parkville ni. Townhouse di kejiranan yang berkepadatan rendah bersebelahan dengan Gita Bayu. Nama developer Meridian Tower, leasehold, 3 bilik tidur dan 1 bilik air dan merupakan fasa ke2. Hrga rm181k termasuk perabot yang lengkap iaitu -ruang tamu: sofa, kabinet tv, 29" tv, kipas syiling - bilik tidur utana: almari, katil dan tilam queen size dan aircond - bilik tidur ke2: katil dan tilam queen size, almari dan kipas siling - ruang makan: set meja makan dan kipas siling - dapur : peti sejuk, kabinet dapur laman: mesin basuh rumah ni agak sempit sbb kelebarannya cuma 20 kaki je kan.. nak fit bilik kat tepi dan ruang tamu lagi. kena lak kalau amik yg tingkat atas, kat tepi tu dah makan space utk tangga. tapi dier panjang ke belakang. ruang laman depan leh muat 2 buah kereta yg diparking depan dan belakang. Untuk small famili dlm 2 - 5 orang aku rasa rumah ni sesuai dgn harga berpatutan. unless u all ader bud...

Untuk rumah pertama, boleh dapat diskaun 50% untuk stamp duty. Tapi rupa-rupanya nak apply diskaun utk stamp duty kena buat akuan secara bertulis. Mengaku kiter membeli hartanah tersebut dan ini merupakan pembelian pertama kita. Hanim kata, tanpa surat akuan, jgn harap dapat 50% diskaun tu.. So, aku dah sain surat akuan tu dan firma guaman Hasnan Hamzah akan uruskan prosedur seterusnya. Tenkiu!

Aku ada baca beberapa buku mengatakan bank kurang beminat untuk memberi pembiayaan pinjaman perumahan kepada hartanah yang tempoh pajakan tanahnya kurang dari 60 tahun. malah mengikut buku2 berkenaan, ada bank yang lansung tak mahu bagi pinjaman pun.. Bagi kes Vista Angkasa aku, Alrajhi dan beberapa bank yang aku tanya pada dasarnya mengatakan aku layak membuat pinjaman sehingga 35 tahun berdasarkan umur semasa aku. Namun aku telah membuat keputusan untuk memohon pinjaman 30 tahun sahaja. Jumlah bayaran bulanan jika membuat pinjaman di Alrajhi sepatutnya adalah rm8xx. Namun begitu, setelah menghantar permohonan kepada Alrajhi, aku dimaklumkan bahawa loan tu kena quiry. sebab? actually pajakan tanah di vista angkasa dah tinggal 67 tahun. so, kalau aku buat loan 30 tahun, bermakna balance pajakan tinggal 37 tahun sahaja. Bank tidak mahu menawarkan pinjaman kepada tanah yg pajakannya kurang dari 40 tahun, means balance 3- 4 thn last dari pinjaman tu bermasalah. Tu yang bak tak nak lul...

alhamdulillah.. the S&P signing process for the vista angkasa project is completed. After reviewed the draft of s&p and make a little agreed amendments, both parties put down signatures. The on-paper-owner of the house come from North Malaysia to my lawyer's office to sign it, accompanied by the real owner. I can see differences in the process here with my previous experience. When i was signing the s&p for my first property, I got free Stamp duty and s&p offer from developer through their panel of lawyers. The panel lawyer prepared the s&p and call me to come to their office asking me to sign it. All the time, i only deal with the clerk, not even get the chance to see the lawyer. The clerk just point where i should put down my signature. Wen i ask about jargons in the document, she said thet it is all standard. Indirect speaking, no need to understand a lot since all malaysian is signing the same document. But it is totally different in this pr...

in 2006, when i bought my first property which is only a low cost apartment in taman anggerik perdana, i applied for RHB islamic fixed rate home financing. The financing margin was 95% + MRTA. At that time, RHB Islamic make it compulsory for the customer to buy MRTA with the loan and get it through them. I am not sure about current RHB Islamic policy. For a 40k loan, the MRTA fee is rm1031. Bank said that they will apply for Takaful Ikhlas mortagage plan. recently, when I decide to apply for Alrajhi Home Loan, i learned that alrajhi gives freedom to their cutomers whether to buy MRTA or not. I do not want to leave a financial burden to my family if something happens to me, so I stll decide to buy MRTA for the loan. The alrajhi mortgage advisor, ija said that I can take up the MRTA plan policy thru bank ( as what I have done before for the low-cost apartment) or buy on my own from any takaful agency outside there. It must be a takaful plan because alrajhi offers only Is...

i already submitted application form for loan to alrajhi to the mortgage executive, khadijah or better known as Ija. since the valuation of the unit is 180k, so i apply for 90% loan that is rm 162k. the current rate is BFR - 1.70% throughout the tenancing tenor without free moving cost and BFR - 1.50% for a with free moving cost. since this is an islamic financing package, they use BFR instead of BLR. However, the current rate of BFR is same as BLR that is 6.75%. For Alrhji home financing, the 90% loan is including MRTA, if u wish to buy it. However, buying MRTA is not compulsory so, u can skip it first and buy it later on your own. MRTA attached to the bank is takaful Ikhlas and the price is very attractive. I can say it is almost 50% lower than what is offered by other bank. For a 30 years financing, the MRTA rate is just rm4451.64 for me, while some other bank quote rm 7k - rm 8k. If u want to know more about this financing, u can just email me. I can help u to introduce the ver...