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Customer A : I have a house that is under two names, is my boyfriend and I. Loan under two names too. And we're separating now; he will sell his portion to me. Can you help me? Me: Sorry to hear about the separation. Of course, we can help you. But, first this is [...]
Today, a customer name Mr. A shares his story with us. Mr. A bought a property from a seller. Seller has misplaced their original SPA. But, the seller has a CTC SPA copy. The property was an old property, under the master title and developer is no longer around. A liquidator company was taking [...]
Buyer : I want to buy your house. But, in the event the property transaction unable to go through, I want a full refund of my deposit and 1% penalty fees from the purchase price to be paid as my compensation. I need the compensation to pay my lawyer fees. Seller : I can [...]
I think we know by now that the complete process of purchasing a house will take about 3-6 months. That's the average. But, why a purchaser should avoid buying a house during early or end of the year? There are a few reasons:- 1. Too many holidays during that time, e.g., Christmas, new year [...]
Mr. Alex is selling his old house. He is searching for Sale And Purchase Agreement quotation. Lawyer A: Recommended by Purchaser. Purchaser suggests using his lawyer. Lawyer B: Recommended by Alex's friend. Lawyer C: Recommended by Alex's family member. Quotation Price Lawyer A : RM2600 Lawyer B : RM1600 Lawyer C : RM2200 * [...]
Coretan Hidup Agent rumah cakap FREEHOLD & LEASEHOLD rumah sama je... Betul ker? Banker cakap rumah leasehold kalo balance lease kurang 40 tahun, susah bank nak bagi pinjaman. Valuer cakap rumah leasehold kalo semakin kurang balance lease period akan menjadi kurang 'menarik'. Value rumah mungkin susah nak naik. Majlis perbandaran cakap jangan lupa memperbaharui [...]
Several years ago, I used to work with one of the local banks. I was doing mortgage sales and also handling customer service. One day, I was approached by a lady. She complained about her loan account balances that seem to be odd. So, I checked her loan account and realised that the system [...]
Soal Jawab Pelanggan: Cik A : Saya beli rumah dari pemaju, dah lama dah... Pemaju pun dah bankrap. Rumah tak siap. Tapi bank dah disburse sebahagian duit kepada pemaju. Saya tak bayar pun kat bank. Sekarang dah black list. Perlukah saya membuat bayaran? Jawab: Cik A, andai kata bank telah membuat disbursement kepada pemaju, [...]
Tahukah Anda? Kalau anda membeli rumah dari ejen ataupun menerusi penjual, pastikan anda mendapat dokumen dibawah semasa memberi ejen deposit rumah. Dokumen tersebut adalah agak penting untuk pembeli membuat pinjaman bank. Tanpa dokumen ini, proses kelulusan pinjaman perumahan boleh terbantut. 1. BOOKING RESIT EJEN Selepas memberi deposit, pastikan anda mendapat booking resit dari ejen [...]
1. Beli rumah dulu, baru beli kereta. Sebab loan kereta lebih senang nak lulus dari loan rumah. 2. Kalau ada loan PTPTN pastikan bayaran mengikut jadual. Jangan sesekali tak bayar! 3. Jika ada plan beli rumah, mulakanlah "tabung beli rumah". Target simpanan dalam 16% dari harga rumah. 4. Pastikan juga hutang pinjaman lain bayar [...]
