Category: News (43)

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2010年,美国《时代杂志》一篇名为“中国鄂尔多斯:一个现代鬼城”的摄影报道,引爆了关于中国鄂尔多斯模式的讨论,如今,美国自己也遭遇了同样尴尬的情况。
美国重要石油产地北达科他州(North Dakota),自2006年因油价上涨,经历了数年快速增长后,这两年随着油价暴跌,现正面临陷入房市泡沫破灭的窘境。

 

北达科他州的贝肯(Bakken)油田,是美国重要石油产地,房产公司原本预料水力压裂法开采石油产业的快速发展,会使得大量的美国人迁移到该地。
然而,房地产的突飞猛进,却遇上了油价暴跌与持续低迷,导致美国这些重要的石油产地,出现一座座“鬼城”魅影。
根据华尔街见闻网站,北达科他州在页岩油兴盛的顶峰期,该地区薪资增速,且新增就业数据曾连续五年蝉联全美最高,住宅数量难以满足旺盛的移民需求,乐观的前景,吸引不少发展商前往分一杯羹。
然而,这些发展商没有预计到页岩油的兴起,对市场供给形成庞大冲击,油价从去年以来暴跌了超过50%,北达科他州原本火热的经济被硬生生逼停。

 

根据彭博社,北达科他州的劳动市场咨询中心数据显示,今年首季,当地一季就有超过4000名工人失业。

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Fake real estate agents are mushrooming overnight despite the strict laws that govern the sale and purchase of any property.

There have been many recent cases of crooks deceiving property owners and buyers by posing as registered real estate negotiators.

The recent hike in complaints of illegal property agents have urged the Board of Valuers, Appraisers and Estate Agents Malaysia (BOVAEA) to take proactive measures to address the problem.

BOVAEA recently launched the anti C.A.M.P campaign to educate people on the methods used by these conmen.

C.A.M.P stands for:

  • Cheating: acting dishonestly or unfairly to gain an advantage over the client
  • Absconding: running away with client’s money (usually with the deposit money)
  • Misrepresentation: providing false fact or an omission of fact that could have affected the purchase decision
  • Profiteering: attempts to take advantage of circumstances to make excessive profits (manipulation of prices)

Under Section 30 of the Valuers, Appraisers and Estate Agents Act 1981, the accused can be fined RM300,000, face three years in prison, or both.

 

So what are the essential things to note when dealing with an agent??

The best way to avoid dealing with a fake agent is to insist on checking the Real Estate Authority Tag. Check these six key aspects on the tag and protect your real estate interest by not falling prey to brokers who are not qualified, and lack the knowledge and skill to effectively represent you.

 

  1. Tag colour

The authority tag come in two colours. The red colour denotes that the bearer of the tag is a Real Estate Negotiator or a Probationary Estate Agent. While blue colour tags identify the tag bearer as a Registered Estate Agent.

 

  1. QR code

The authority tag contains a QR code. With the wide use of smartphones these days, it is convenient for the public to use their mobile device to scan and verify that the negotiator is registered with BOVAEA.

 

  1. Agency

Always check on the name of the agency or firm that the negotiator is registered with. The card will be replaced when the negotiator joins a new agency or firm.

 

  1. REN name

There are two names printed on the card. The larger print name is the ‘pseudo’ name used by the negotiator in conducting business while the smaller print name is the full birth name in accordance to the individual’s NRIC.

 

  1. REN number

Each Real Estate Negotiator is assigned with a unique REN number. The REN number is required to be displayed in all forms of communication and marketing collaterals. The general public can verify whether the REN is authorised through BOVAEA’s webpage.

 

  1. Hologram

A state-of-the-art hologram image of the BOVAEA logo has been created to differentiate it from unauthorised counterfeit tags.

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Renting or buying a house

居者一定要有其屋?租房子是帮别人供屋子,供到最后肥了别人,自己什么都没有,肯定吃亏?买房子怎样都比租房划算?
如果问十个人,买房子好还是租房好?

相信九个人的答案是:当然是买房子,租房是帮别人供屋子。

如果问:“买房租房哪个更划算?”

很多人可能不假思索就回答:“当然是买房”,理由同上,租房是帮别人供屋子,买房子有保障,供到最后是自己的。

如果再问:“买房子比较划算,有数字根据吗?”

你会发现,其实没有多少人真正算过这笔账。

而算过这笔账后,你可能惊讶,“租不如买”的理论并不是在每个时候都通用。

这个年头我们一直听别人说,房价涨得很厉害,买房子投资好赚,买房自住更要快手,不然买不起房子。

可是我们很少听到投资专家或买房投资的人告诉我们,现在我国房子租赁的回酬率是多少?许多想买房收租的人,可能都不清楚这点。

 

房价暴涨租金保持

房地产经纪黄国忠表示,目前我国房产出租的回酬平均是4%~4.5%。

“地点好的高级公寓,回酬可以到5%,有地房产比如双层排屋,回酬可能是3%、4%。”

财务规划师黄凯顺表示,我国房产价格还没暴涨之前,也就是2008年之前,我国的房产出租回酬率平均8%。

“举个例子,以前我以50万令吉买到一个产业,租金一年4万,就有8%回酬,现在房价涨到百万令吉,租金如果还是4万令吉,回酬只剩4% 。”

换另一个说法,房价大涨,房屋租金并没有跟着大涨,对租房子的人来说影响其实不大。

他说,如果只是需要一个栖身之处的人,这个时候就继续租房子,不需要急着买房子。

 

买房有保障乃迷思

在我国,买得起房子却宁愿租房的人很少,多数人是因为买不起房子才租房,所以不管买不买得起房子,租房的人普遍也给人买不起房子的印象。

可是在美国、欧洲一些国家,许多人已经意识到,当购房成本太高的时候,租房反而更加划算。

黄凯顺建议这个高房价的时候,没有能力买房子就应该租房。

最重要是租房可以减轻经济负担,避免陷入财务陷阱,另外,从投资的角度来看,高房价时候买房,就算自住还是吃亏。

有能力的人当然随时买房子都不成问题,问题是很多明明没有能力的人,想到供房虽然辛苦,但每个月加多几百令吉或上千,30年或35年后,房子就是自己的,死撑买了一套房子。

买房有保障其实是一种迷思,有这种想法的人,几乎没有计算过供房付出的利息和时间成本,这笔钱用来做其他投资,回酬是多少?

首先,买房子要付一笔头期钱,以目前的房价,付个5万到10万头期款是很普遍的事,加上装修房子、买家具等,买一间房子,可能开始就花掉20万令吉。

他边说边用财务计算机计算给记者看,如果把这20万令吉付头期款的现金,投资在回酬8%的工具,30年以后回酬是201万2000令吉。

另一点很多人没有计算过的是,买房子偿还房贷,支付的利息有多高。

以贷款40万令吉来说,如果利息5%,摊还年限为35年,35年支付的利息总数是44万7815令吉29仙。

根据房贷的组合方式,买下房子的约前20年,我们付的房贷,都是支付利息多过支付本金。

 

供过于求不怕租不到房子

如果买一个价值40万令吉的房产,贷款利息以5%计算,摊还年限35年,每个月付还贷款的数目是2018令吉75仙。

要是租一间价值40万令吉的房子,租金假如是产业的4%,就是约1300令吉,供房和租房的差价是700令吉左右。

黄凯顺说:“如果把这700令吉省下来,用来投资,平均回酬8%,30年后得到的回酬8万6300令吉,加上省下头期钱投资得到的回酬,就是一笔可观数字。”

他问:“投资一个房产,30年以后可以升值这么多吗?”

他表示,精明的人会先把钱供给自己,而不是先偿还利息。

当然,如果你选择租房子,可是省下的房租差价或头款钱(如果有这笔钱),还是用来花掉,最后你什么都没有。

“但这是人的问题,不是投资的问题。”

还有就是买房子和租房面对的风险差别,这点也是很多人都会忽视的,“如果房产泡沫爆破,背负房贷的人,马上就会面对冲击,可是租房的人影响不大。”

当然,房产泡沫要是影响经济,全民都会受累,但那时大家手头都紧,屋主不可能冒然加租。

他认为,最重要的一点是,我国目前的问题不是房产供应短缺,而是有些人已经买了几间房子,有些人却还没有一间自己的房子。

如果房产供应不足,应该是所有住宅区都住满了人,“但是你看现在不是这样,很多地方还是有空房。”

所以他认为,我国房产租金不可能突然大涨,不怕租不起房子。

现在很多人担心没有房子住,先买房子才理财,他说,这可能穷一辈子,最后只剩下一间房子。

理好财了,把投资回酬握在手,最大优势是,你可以在屋价合理的时候买房子,而不是跟人家争贵屋。

 

量力而为财务才自由

以目前市场的房屋租金来看,我国目前的租房市场是在合理范围。

小市民要找一间租金在承受范围以内的房子,应该比找一间自己买得起的房子,容易很多。

黄国忠表示:“目前我国组屋的租金大概介于500到600令吉,武吉免登(Bukit Bintang)一带的组屋租金可以去到2000令吉,但其它地方的组屋最多是五六百令吉,价格不可能有多大调整,因为租住组屋的多数是低收入群。”

至于公寓、有地房产,他说,是视地点而定,当然​​越靠近市场区价格越高。

其实,上房产网站看一看,可以发现,到处有租金少于1000令吉、介于1000令吉到1500令吉、1500令吉以上的地点,视乎个人的能力,总有租得起的房子。

租房的好处是随时可以搬迁,以求职来说,你可以随时因为换工作而搬家,只要居住环境和交通状况不错地点,都是一种选择。

单身一族可以租小一点的房子;婚后两个人都有收入,就换租大一点的房子。

要是买房,房贷一揽上身就是30年、35年的事,不管工作、孩子就学变动或财务问题,需要搬家、大屋换小屋或卖房套现,都不是简单的事。

最重要的是量力而为,有能力供房就供房,没有能力的话,租房并不是问题。

Tips-and-Tricks-to-Sell-Your-Home1

When selling your home, there is the perfect combination of things to do in preparation. While every seller will have unique circumstances, there are several top tactics that will benefit every home seller.

1) Make your Home Green and Eco-Friendly

If a home isn’t selling, evaluate your home and make modifications to improve your chanced of a speedy sale. Recent studies show that savvy Minneapolis real estate buyers are looking for greener homes that boast of energy efficiency. Turning your home “green” can seem like an expensive and daunting task but it doesn’t have to be! Start off by making small changes. With that being said, green, in this context doesn’t have to be taken literally, by letting mold thrive in dark corners. Install a dehumidifier by first reading their most recent review, and get air conditioning. Believe it or not, there are also AC units available on this website for your pets. Replacing your bulbs with fluorescent lights will save you and your buyer energy while also giving your home a warm and natural light. Re-evaluate where you’re leaking warm or hot air and explore options to re-insulate and stop airflow. Replacing old appliances is always a go to when thinking of becoming more Eco-friendly. Newer appliances save energy and water while making your rooms look updated and neater.

2) Upgrade your Home with Top Selling Features

This is easier to accomplish by knowing which home remodeling projects help sell a home. This doesn’t mean that installing a heated pool at this moment or a fountain in the front yard. By choosing home upgrades carefully, you can expect a better return on your money and time. It’s really easy as an owner, to start to overlook wear and tear in your home.

You may be better positioned to draw a strong home buyer pool by removing old wallpaper and repainting key rooms with neutral colors. Replace old carpet with new carpet or consider upgrading to hardwood floors if you have the means. It’s important that you grab a buyer at their first walk through of your home. You don’t want them to have to think about it, you want them to be impressed with what your house offers. Upgrading to stainless steel appliances and granite countertops will give the wow impression that you want.

3) Freshen up your Home’s Cub Appeal

While Realtors are fond of the phrase “location, location, location”, you can’t forget that a home in a great location still benefits from great curb appeal. Potential buyers who are driving by or walking the neighborhood will be quick to make assumptions about what the inside of the house looks like from the outside. Make your front door say “wow” and update your address numbers and mailbox for a sharp look. Small upgrades give your house a polished look.

4) Stage your Home after Understanding Better what Buyers Want

Staging your home is a very real aspect of getting your house ready to sell. How you live in your home is not how it should look when showing. The biggest step you need to take is to de-clutter your possessions. Start to throw anything that will be tossed when you move. If you’ll be putting items in storage, it will be worth it to remove them now.  Personal photos make it harder for a buyer to picture themselves in the house. Rearrange your home to optimize the space of your house with items commonly found tasteful.

5. Select the Best Real Estate Agent to Represent Your Home

It may be easy to select an agent based on suggested home list price. It is true that a prospective home buyer may overbid another purchase offer to be the winning bidder. However, typically it more important to have an agent representing your interests that will not overprice your home, but rather focus on marketing its best features. Discuss in advance of listing your home what your potential net profit may be.

吉隆坡或雪兰莪州子民,谁会不知道蒲种?外州人大概也不会对这个地方陌生。
这里半个世纪前的废矿潮和橡胶园,如今已无迹可寻,取而代之的是商场、大量的住宅区和商业中心。
发展商无不以争取在此占一席之地而骄傲,这里的房价不但追上了雪州很多地区,就连发展范围也不断扩大,如今已延伸到雪州梳邦和政府行政中心布特拉再也和大马矽谷赛柏再也边界。

 

小镇蜕变卫星市 蒲种兵家必争之地
追溯1960年代,位于雪兰莪州八打灵县的蒲种(Puchong)是个充满丰富天然资源的小镇,橡胶园和锡矿山镇比比皆是。
随着人口逐渐增加,眼光独到的产业发展商把握商机,精心打造各类型产业,满足市场需求,让商用、工业与住宅产业,如雨后春笋般崛起。
经过逾半个世纪的蓬勃发展,这个小镇已经蜕变为一个成熟且魅力四射的城镇,各种基本设施一应俱全,包括高速大道、霸级市场、购物中心、学校与其他等等。
实际上,相对于国内其他大型城镇,很少城镇能够与蒲种的迅速发展与蜕变过程媲美。
房产咨询公司威廉氏、达哈与王私人有限公司(CH Williams Talhar & Wong,简称WTW)董事经理符儒仁曾经如此形容:“蒲种不再是一个远离吉隆坡市中心的地点,因为它将像八打灵再也与梳帮再也那样,发展为卫星城市。”

 

16项目陆续面市
他指出,早于2年前,蒲种的发展趋势已经越来越夯,高达16个住宅与商用产业发展项目陆续面市,让买家目不暇接。
从最早发掘蒲种潜能的IOI集团(IOICORP,1961,主板种植股),蒲种之后陆续迎来更多的大型发展商,例如合成统一(HAPSENG,3034,主板贸服股)、林木生集团( LBS,5789,主板产业股)、新丰尼生活(SYMLIFE,1538,主板产业股,前前称宝敦)、杨忠礼集团(YTL)、高美达(Glomac)、马顿(Malton)等等。

 

马星购地大展拳脚
可以说,蒲种成了发展商兵家必争之地。
就在上月,马星集团(MA​​HSING,8583,主板产业股)便在IOI广场后面,收购了一片占地88.7英亩的地皮,以打造大型综合发展项目,预计发展总值约93亿令吉。
集团董事经理兼总执行长丹斯里梁海金表示,此项目将是该公司2016年时主打项目之一。
“蒲种是发展热点,我们相信该区已经没有那么大片的地皮,供我们发展综合产业项目。”
据悉,I&P也将在蒲种推出新项目。

 

发展迅速催生大蒲种
蒲种的开端是从衔接旧巴生路(Jalan Klang Lama)开始,除了蒲种市中心、蒲种再也和蒲种公主城,她的范围已经超越了既定的概念。
因为沿着蒲种路一直往内还有蒲种金山园(Puchong Hartamas)、蒲种乌达玛(Puchong Utama)、蒲种柏丽马(Puchong Prima)、蒲种岭(Bukit Puchong)和绍嘉娜蒲种(Saujana Puchong)。
因为越来越多发展商进驻,加上生活机能如学校、商场等逐一建起,蒲种这块沃土的范围也逐渐扩大,发展一直延伸到与布城(Putrajaya)、梳邦再也(Subang Jaya)、沙登(Serdang)、武吉加里尔(Bukit Jalil)等接壤。
甚具商业头脑的产业发展商灵机一动,把曾经被遗忘的地库改造为新发展区,当然更多人往偏离蒲种市中心的地方寻宝地。

 

金融中心锦上添花
再之后,更提出了大蒲种区(Greater Puchong)的概念,并与蒲种结合,成为全新城镇,成为人口激增催化剂。
当中,必须要提的是IOI集团推动的蒲种金融中心(PFCC)。
蒲种金融中心就在公主城旁,与赛城接壤,且属于多媒体超越走廊(MSC)地区。
占地8英亩的地段,兴建5座大楼,强调绿色概念,全获得绿色建筑指数(GBI)认证,且离轻快铁站才数分钟之遥。
将原本只是住宅区为主的蒲种,与金融服务衔接一起,如此新颖和大胆概念,令蒲种的地位和身价进一步提升。

 

雪人口增长最快地区
蒲种人口约40万,是雪兰莪州人口增长最快的地区。这里由梳邦再也市议会管辖,面积有162平方公里,当中有95平方公里是蒲种国会选区。
蒲种能迅速发展,创造大量工作机会并吸引庞大新人口,再到蜕变为现今的成熟城镇,有赖几个利好因素,但最重要的还是生活机能和便利。

 

交通:四通八达
再来就是交通网,从蒲种可轻易衔接至多条主要道路与高速大道,包括白蒲大道(LDP)、莎阿南大道(KESAS)或是取道联邦大道,可直通八打灵再也或梳邦,再往莎阿南或巴生。
若要南下或北下,也可轻易从这连里连接到武吉加里尔大道(Bukit Jalil-Puchong Highway),再取道南北大道或新巴生谷高速大道(NKVE)即可、要往东海岸可取道第二中环大道(MRR2)。此外,政府也在规划兴建巴生河流域南部大道(SKVE),完成后,蒲种的基建设施与交通网络进一步提升。
捷运计划(MRT)估计将在2017年竣工,届时可与现有轻快铁及电动火车网络连接,有望进一步加强巴生谷的交通网络。

 

地理:靠近重镇
首先,这里与吉隆坡、梳邦再也及八打灵再也接壤。
回首1980年代,发展商寻求市中心以外的地区发展,以地理位置占优势的蒲种,自然成了首选。当政府宣布布城为中央行政中心后,再加上邻区赛城迅速崛起,促使蒲种的发展势不可挡,让其他城镇望尘莫及。
踏入1990年代,蒲种已经成为一个集中点,由布城、赛城、梳邦再也、八打灵再也、武吉加里尔及吉隆坡围绕着。

 

基建:应有尽有
蒲种的公共设施,比许多地区都完善。有多元化图书馆、公园、公共交通综合车站等等无一缺乏。
有人说,有学校就有人口,尤其是华小。蒲种国会选区内就有3间华小,包括益智华小、汉民华小和新明华小;之后又加入了从霹雳州迁校来的哈古乐华小以及竞智华小。
另外,泰莱教育集团正在蒲种岭打造1间国际学校,预计明年2月启用。基于蒲种已经应有尽有,因此用“前进与向上”来形容这个蓬勃发展城市的未来,相信是最贴切不过了。

 

李深静“妙手回春”
说到蒲种产业发展先驱,不能不提丹斯里李深静和他领导的IOI集团(IOICORP,1961,主板种植股)。
李深静是靠油棕起家,但他另一个强项就是善用油棕园的地库,再将之转为发展商地段,大事发展房地产,从住宅到商场,甚至是商业区,从有地物业到公寓。
蒲种从一个新村,发展到今天自成一格的城镇,与他不无关系。
与产业发展,蒲种就是他早期的杰作,至今仍让人津津乐道。
当年的蒲种以橡胶园和锡矿山镇为主,另一特色就是野味店,但对吉隆坡或雪兰莪州人来说,是个偏远寥了无朝气的地方,没有人会想住在那里。

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The government is open to lifting the ban on the Developer Interest Bearing Scheme (DIBS) in the housing market ifthere are compelling reasons, according to the Urban Wellbeing, Housing and Local Government Ministry.

“There are some suggestions made by the industry, we will look into it. There are pros and cons, there’s no hard and fast rule on this. If it is not abused, it’s a tool for everybody to sell their houses and to make it more affordable for the people,” said its Minister Datuk Abdul Rahman Dahlan.

The housing ministry will look into this on case-by-case basis, he told the media at the 17th National Housing & Property Summit held yesterday.

“If there are some indicators that DIBS can reintroduced we have no problem with it but the most important thing is we must be flexible and nimble,” he added.

But Chang Kim Loong, Secretary-general of the National House Buyers Association, stands firm on his belief that DIBS should be permanently banned as it promotes speculation.

“In the event of an economic downturn, banks saddled with too much DIBS end-financing could collapse as the losses from such DIBS end-financing will erode the banks’ capital,” he added.

On the other hand, MKH Bhd’s Group Managing Director Tan Sri Eddy Chen is hopeful that DIBS will be reintroduced but with limitations to prevent abuses.

Notably, Prime Minister Najib outlawed DIBS during his Budget 2014 announcement. However, some property players suggested that first-time home buyers should be allowed to participate in this scheme.

increase-property-value-400x222
HOUSING prices are expected to go up by two to three per cent with the implementation of the six per cent Goods and Services Tax (GST) on April 1 next year.
 
Residential properties are tax-exempted instead of being zero-rated, leaving developers unable to claim the six per cent as part of input tax contributed to the GST, said Malaysia Property Expo (Mapex) 2014 chairman Datuk Ng Seing Liong.
 
“The developer, as a seller, cannot claim back input tax. It has to add the tax to the cost of construction and that will increase the selling price. The Real Estate and Housing Developers’ Association (Rehda) has proposed that properties priced at less than RM400,00 to be zero-rated.
 
“Zero-rated means the developers can claim back input tax so that they don’t have to pass on the increase to house buyers,” he said, here, Monday.
 
Rehda has submitted a memorandum to the government highlighting the impact of GST on housing prices.
 
It has organised meetings with the Urban Wellbeing, Housing and Local Government Ministry to discuss ways to cushion the GST impact on house buyers, which may involve a government concession.
 
Rehda has also proposed to the government to lower the proposed six per cent GST as the tax burden on the property industry is expected to be greater.
 
“In this line of business, we provide credit facilities of 30 and 60 days, and in some cases 90 days. But under the GST, you have to pay in under 21 days. Even though you have not collected the money, you have to pay the GST,” said Ng.
 
Rehda plans to hold a series of talks for prospective home buyers next month on the effects of GST to the housing sector. 
 
Rehda is the organiser of Mapex, the country’s largest property fair.
 
It will be held at the Midvalley Exhibition Centre from October 10-12 and is expected to attract as many as 50,000 visitors this time around, with sales estimated at more than RM300 million.
 
“Last year, we hit sales of RM380 million,” Ng said.

(哥打峇鲁26日讯)中央政府已知会吉兰丹州政府,将建设一条从新加坡沿着东海岸,直通吉兰丹的“东海岸———新加坡高速大道”,纵贯新、柔、彭、登及丹州,全长估计超过700公里。
连接新马中三国
《南洋商报》探悉,计划中的东海岸———新加坡高速大道,是从新加坡连接到拟议中的马新第三大桥,再进入柔东、东海岸,乃至接近马泰边境的彭加兰古堡,最终目的地是通往中国。
该条跨国高速大道一旦落实,将衔接东协5国,包括新加坡、马来西亚、泰国、缅甸、越南,以及中国。

如果这条高速大道建设完成,料可加速带动及刺激东海岸三州及柔东经济发展。

大道起点在狮城白沙浮

目前东海岸及柔东的重点建设计划包括马中关丹产业园、关丹深水港、柔东边佳兰石油综合中心(PIPC)、拟议中可能落在柔东的马新第三大桥及首相拿督斯里纳吉今天宣布的边佳兰独立深水码头等。

“东海岸—新加坡高速大道”的起点是在白沙浮(白沙 Ris),位于新加坡东北部樟宜机场一带,接近柔佛州边佳兰“石油化工城”。

New Train Way

property finance

There are hundreds of different home loan products on the market that fit into each of the types of loans explained below. With so many loan packages offered by Banks and Financial Institutions, how do you know which one suits you best? We have provided some pro’s and con’s to help you understand each loan type.

 

Refinance

Refinancing your home loan to save on your current interest rate and reduce monthly repayments and/or loan tenure and to tap into your home equity for additional funds for emergency and other ventures if your home has increased substantially in value. If your home loan is more than 5 years old, it is likely that you are servicing your loan at a higher interest rate than what is on offer by financial institutions today.

However, with the many competitive home loans products on offer especially ones that will cover any refinancing costs including the exit penalty fee exploring refinancing is a worthwhile for loan which is still under lock-in period. Refinancing is to reduce your current interest rate, monthly repayments and/or loan tenure and also consolidate your debts and deposits for better cash flow management

 

Longest Loan Tenure

Ability to redraw all that you have paid into your loan. Revolving credit limit increases as your property appreciates. Older borrowers. Those with insufficient retirement savings.Revolving credit that increases as home value increases. Re-use all sums paid into loan.Penalty for prepayment fees.

 

Zero Payment (During Construction)

Allow you to pay nothing during the whole contruction period. Construction property. Borrowers who are low on deposits but still want that dream house. Also those who may have money in high interest yielding investments and prefer not to cash-out to raise the deposit for the new house. Pay nothing during construction period.

 

Fully Revolving Credit Loan

Fully revolving credit term loan. Prepay and redraw as much as you like. Free personal accident insurance. Any home buyer.Flexible repayment. Full revolving term loanSlightly higher rates.

 

100% Margin of Finance (SPA Price)

Enjoy up to 100% of loan financing. Suitable for those who are strapped for cash at the beginning of the home loan.0 or low outlay from your ownA high margin, which is rarely disclosed, can result in a substantially higher interest rate than you were expecting.

 

Deposit Linked Flexi Home Loan

A home loan and Checking Account combined into 1. The more money you have in deposit, the lower interest you pay on the loan. Allows pre-payments and withdrawals of pre-paid amounts anytime. Suits business / self-employed people. Those who sometimes have excess cash and who are cash-strapped at other times.You can achieve cost savings if you have a windfall, while having the flexibility to redraw on the money should you need it.Require discipline in managing funds. Interest rates may be higher than loans without such features.

 

Fixed Rate Loan

Enjoy a peace of mind knowing that your repayment will never fluctuate with the economy. Enjoy the lowest fixed rate in history. Anyone who values certainty in his monthly payments.Ease in budgeting and assurance that you won’t be paying more, allows you to hedge against future interest-rate hikes.For insurance lenders, insurance is compulsory.

 

Islamic Home Financing

Syariah compliant Home Financings. Those wishing to have syariah compliant financing.”Halal” and rates are fixed. No penalties chargedMay appear more expensive, however, some lenders offer “rabates”.

 

Floating Rate Loan Packages

with rates that fluctuate with Base Lending Rate or BLR less a spread. Any home buyerUsually have a low interest rate. Repayments are also lower.May not offer the features or flexibility of other home loans. Plus installments will increase as rates increase.

 

Investors’ Home Loan / Low or 0 Lock In

Buy and sell, then turn in a quick profit. Check out home loans with zero or low ‘Lock-In’ periods. These home loans allows you to sell the property and pay off the loan early without penalties. Suitable for those who buy and sell, then turn in a quick profit. Allows you to sell the property and pay off the home loan early without penalties.This home loan normally is higher in interest rates.

 

Low Deposit Loans Low on deposit?

Check out home loan that offer high Margin Of Finance or interest servicing only. May benefit 1st Time Owners. Suitable for those who are strapped for cash at the beginning of the home loan.You may be able to take on a bigger home loan, on the assumption that your income will grow.Payments usually increase after few years. May revert to standard.

 

Hybrid Loans (Fixed & Floating)

A home loan to enjoy fixed rates for a few years then revert to floating rates subsequently. Those who value certainty for a fixed period or think that interest rates may drop in the medium term.This type of home loan provide certainty for a fixed period of time. Be prepared for a jump in installments when the rate reverts to floating status, especially if interest rates creep up during the fixed-rate period.

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