friends, wondering how much the entry cost for the property u bought? of course la.. not only the 10% deposit u need to pay.. there are charges need to pay for the s&p, stamp duty, legal agreement fee, disbursement and so on. Ok, to calculate it, u can go this link. bear in mind that purchase < 250k, u will get 50% discount for stamp duty of purchasing given by the LHDN. :) anyway, if u do not have enough cash for all these fees, lot of developers offer free S&P and FREE stamp duty. For loan agreement, u can apply for zero moving cost rate whereby bank will pay the legal fee for you. However, the rate is a little bit higher than a without zero moving cost package.
Catatan dan pengalaman Rohaniah Noor dalam pengembaraan, pelaburan hartanah, takaful, perbukuan dan self-love.