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When I was a little girl, I used to stay in a landed house. We have a great and big compound to run around and it such a happy times. But, with a landed house comes with a high risk of a home break-in. We experienced twice and totally shaken with the whole experience. [...]
Do you know if you're living on a commercial land title, your utility bills will be based on commercial rates? This happens to some of the service apartments, SOHO, SOVO or SOFO in the city. For example, the minimum monthly bill for a residential Syabas bill is RM6, while commercial bills start at RM36. [...]
VARIOUS cooling measures introduced by the Malaysian government and Bank Negara Malaysia (BNM) for the last nine years. Let's recapped all the cooling measures in summary. YEAR 2007 It was reported that in 2007, the Developer Interest Bearing Scheme (DIBS) was first introduced by a property developer in Penang, as a precursor to the [...]
Ms. A: My husband passed away, he bought a house and took a loan with your bank. He also bought MRTA. Bank: Oh okay, let me check. (clicking the computer). Bank: Yes, he took a loan with us. Let me check the MRTA. (After a while...) Ms. A, the MRTA is not enough to [...]
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 [...]
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 [...]
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 [...]
