Why loan?

8 11 2016

Most people are so fearful about the property market bursting right now. Anyway, I still think that Malaysia property is worth purchasing, because of some very simple facts:
1. Young population:  as more people are born, land size remains the same. Property value will rise when the supply can’t keep up with the demand
2. Favourable financing option

Let me elaborate more on why this favourable financing environment benefits those who buy properties. As you know, there are two types of return a property can produce, whether you are buying it for own stay or investment. Read the rest of this entry »





Wrong Perception about Debt-by KC Lau

8 11 2016

Wrong Perception about Debt

The first wrong perception is that debt is considered evil. Some common advice are:

  • settle your housing loan as early as possible
  • don’t borrow to invest

Your parents told you to settle your housing loan ASAP. My parents used to say that too because they bought their only home with 50% cash, and the remaining loan was settled within 3 years! Even financial planners tell you to clear your debt.
However, the fact still remains that most rich people I know use some form of debt leveraging. Debt is a constant in their lives, whether it is to a expand business or to invest in properties. Some “property gurus” I know have more than RM10 million in mortgages.
But before you go borrow as much as you can, you must know how to make better investment return with the cheap money you borrow. If not, you are destined for disaster. Read the rest of this entry »





BAGAIMANA MENDAPAT FREE PERIOD KAD KREDIT SELAMA 50 HARI

18 01 2016

CC

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Combo Teknik 11 & Teknik 8 – Wealth Creation Wonders With Loan ASB

12 11 2015

Source:http://kentzigebruang.blogspot.my/2015/07/combo-teknik-11-teknik-8-wealth.html

13k Jadi 178k Or Even More
======================
Mari saya tunjukkan bagaimana gandakan duit anda dgn Teknik 11.

Pembuktian modal thn pertama 12,953.68 berganda jadi 178k-374k selepas 10thn.

Sy dh tunjukkan kira2 ROI 40% (thn pertama) hingga ROI 54% (thn ke10) per year dlm blog sy sblm ni kan?

Jom kira dgn minimum 40% selama 10thn. Read the rest of this entry »





Is Now A Good Time To Buy Property In Malaysia

3 10 2015

The Malaysian housing market has become something of a ghost town in recent months. The housing price index fell to 4.10% in the first quarter (Q1) of 2015, from 7% in the fourth quarter (Q4) in 2014, and from 12.2% in the third quarter (Q3) in 2013.

Market sentiment has been further bogged down by concerns over potential oversupply amid weakening economic conditions resulting from low oil prices and political tensions.

Though there is evidence that demand for property has remained stable despite market volatility, the million-dollar-question that everyone’s been asking is whether the market slowdown could ultimately cause the property bubble to burst.

What about what happens before that? Are there still opportunities in the current property market? We speak to renowned property gurus Faizul Ridzuan and Ahyat Ishak to get their perspective on the Malaysian housing market, as well as their thoughts on buying property amid economic uncertainties. Read the rest of this entry »





CARA PENGIRAAN KELAYAKAN MEMBELI RUMAH

3 10 2015

Adakah anda ingin membeli rumah

ARE YOU FIRST TIME HOUSE BUYER!!!!

Bercerita tentang sedikit latarbelakang saya dalam bidang hartanah

sebelum ini saya seorang banker berpegalaman lebih dari 4 tahun dalam bidang mortgage.
banyak meghadapi pelanggan yang menghadapi masalah pengursan kewangan untuk membeli hartanah idaman mereka
kebanyakan mereka mengalami masalah komitment agak tinggi, rekod CCRIS & Blacklist

langkah- langkah perlu di lakukan adalah

1)Semak CCRIS

  • anda boleh membuat semakan dengan pergi ke BANK NEGARA dan membuat semakan CCRIS
  • jika bacaan rekod CCRIS tidak baik akan memberi impak kepada pembiayaan nanti

2)Semak CTOS (Blacklist)

  • secara teknikal ia tidak boleh di semak oleh orang awam, anda boleh mengenalpasti dengan mengingat anda mempunyai masalah kewanagan yang teruk sebelum ini atau menjadi penjamin kepada orang lain sebelum ini.

Disini saya ingin share cara mengira kelayakan pinjaman perumahan yg akanmenjimatkan masa anda tanpa perlu pergi ke bank untuk menyemak kelayakan tersebut

Kebanyakan bank mengunakan sistem DSR (Debt Service Ratio)
Debt service ratio bermaksud kadar ke berhutangan anda dengan bank.

Formula yang diguna pakai adalah:

Pihak bank akan mengambil total komitment (hutang) dengan bank sahaja iaitu

1)Pinjaman Perumahan
2)Pinjaman kenderaan
3)Pinjaman peribadi
4)Pinjaman ASB
5)Kad Kredit (latest minimum payment)

PERGIRAAN AKAN DI MASUKAN INSTALLMENT BULANAN RUMAH AKAN DI BELI

Kemudian pendapatan anda iaitu

1)Gaji Bulanan 2) Elaun Tetap3) Kerja Lebih Masa / Part time 4) Bonus 5) Dividen ASB/Fixed deposit6) Sewa Rumah

PENDAPATAN DI ATAS PERLULAH DI TOLAK
1)KWSP /EPF
2) SOCSO
3)TAX / ZAKAT
Contoh Pengiraan seperti di bawah

COMMITMENT
Facility                                                                             Monthly Commitment (RM)Car                                                                                                    400
House loan                                                                                         600
Credit Card                                                                                        100
Personal /ASB Loan                                                                            100
New Property Instalment                                                                    900
Total Commitment                                                                            2100

INCOME
Net Salary                                                                                       2500
Fixed Allowance                                                                               500
Total Income                                                                                   3000


Debt Service Ratio (DSR)
Total Commitment   X 100
Total Income
RM 2100  X 100
RM 3000

= 70%

RULE OF THUMB:
GAJI KASAR BAWAH RM 3000 DSR MAX 60%
GAJI KASAR ATAS RM 3000 DSR MAX 70%
HIGH NET WORTH CLIENT : EXCEPTIONAL

**SAYA JUGA ADA TEMPLATE PERGIRAAN EXCEL YANG BOLEH DIGUNAKAN**

****Jika pendapatan anda dari perniagaan (Businessman) anda perlu Hubungi saya di 017-3860263****

SEBARANG PERTANYAAN TAMBAHAN BOLEH HUBUNGI SAYA

HAIRUL NIZAM

017-386 0263

(CALL/SMS/WHATAPPS/TELEGRAM)

REN 12355
Azmi & Co (Estate Agency) Sdn Bhd

hartanahmudah@gmail.com

Source:http://hartanahmudahaceahq.blogspot.my/2015/10/cara-pengiraan-kelayakan-membeli-rumah.html?spref=fb

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Case Study: Ingin Beli Hartanah Zaman Gawat, Boleh Atau Tidak?

30 09 2015

Menjawab soalan rakan ini:

gawat beli rumah

“It is not about being right, it is about being prepared.”

Read the rest of this entry »