Category: News (43)

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购买房屋不是一项简单的计划,不只金额大笔,而且一签下贷款合约,短则​​10、15年,长则25、30年,甚至更长,贷款期最高可达70岁高龄等。
大多数的人都无法以个人财力或条件,迎合金融机构推出的贷款配套,因此,人们为了买下所属意的房屋,必须与家人联名购买,以符合贷款条件。
金融机构普遍接受父母与子女、配偶、兄弟、姐妹之间的亲属联名购买,当然商业伙伴也可以联名购置产业。 联名者只要对想要购买的产业意见一致,在向银行申请产业贷款时,收入符合贷款分期要求,一般都可以获批。

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The Government will review the Real Property Gains Tax (RPGT), as well as prohibiting developers from implementing projects with Developer Interest Bearing Scheme (DIBS).

 

During the tabling of the Budget 2014, Prime Minister Datuk Seri Najib Tun Razaksaid that for gains on properties disposed within the holding period of up to three years, the RPGT rate is increased to 30%; whereas for disposals within the holding period up to four and five years, the rates are increased to 20% and 15% each.

RPGT for year 2014

For disposals made in the sixth and subsequent years, he said no RPGT would be imposed on citizens, whereas companies are taxed at 5%.

 

For non-citizens, Najib said RPGT would imposed at 30% on the gains from properties disposed within the holding period of up to five years, and disposals in the sixth and subsequent years, RPGT is imposed at 5%.

 

Najib also proposed to increase the minimum price of property that could be purchased by foreigners from RM500,000 to RM1mil.

 

He said property developers will have to display detailed sales price including all benefits and incentives offered to buyers such as exemption of legal fees, stamp duty, sales agreements, cash rebates and free gifts.

 

He said the Government would also prohibit developers from implementing projects with DIBS features, to prevent developers from incorporating interest rates on loans in house prices during the construction period.

 

“Therefore, financial institutions are prohibited from providing final funding for projects involved in the DIBS scheme,” he said.

 

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property market trend 2013Prices of new homes in primary market too high for most people

Some 70% of residential property transacted in the country today are in the secondary market, while the remaining 30% are newly launched projects.

Raine & Horne Malaysia (Penang) director Michael Geh said more people were going after secondary property because of the pricing which ranged between RM72,000 and RM350,000.

 

“This market has been very active in the last 12 months and I foresee that it will be very active for the next six months, in terms of sales and rental,” he said at the recent Malaysian Secondary Property Exhibition (MASPEX) Penang 2013 at the Penang Times Square.

 

“Another reason for its popularity is that the secondary property is already built which means buyers can move in immediately.”

 

Geh said that in the primary market, many residential units were now being sold at a high price due to market demand and inflation among other factors.

 

“It is only due to the recent Bank Negara credit curbs that the rise in property prices has slowed a bit,” he said.

 

“These high price tags for new residential projects has made owning a home a distant dream for the middle class.

 

“The rental market will thrive in such circumstances as more turn to renting instead of buying their own homes.”

 

On the affordability level of new houses, Geh said that according to the Urban Wellbeing, Housing and Local Government Minister Datuk Abdul Rahman Dahlan, about 76% of urban wage earners in the country earned RM5,000 or less each month.

 

“This means 76% of the urban working population can’t afford to purchase their own homes in the primary market,” he said.

 

Meanwhile, Malaysian Institute of Estate Agents president Siva Shanker said between 5,000 and 7,000 people visited the three-day fair.

 

“We received some 2,000 enquiries, and about 200 of them turned into sales,” he said.

 

“We are still gathering information on the deals closed at the fair.”

 

An estimated RM1.5billion worth of secondary property was showcased during the three-day event.

 

The event featured more than 1,000 units of residential property in Penang and a few in Kuala Lumpur.

 

Source: The Star

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