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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...