Category: Tips (52)

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大多数大马受薪人士工作了几年后,已缴存或累积了一笔相当不错的存款在公积金户头里。
不过,一部分人可能对于如何使用雇员公积金(EPF)来购买房屋或缴付房屋贷款只有模糊的概念。

到底EPF有什么用途?公积金会员又能够如何使用公积金里的存款?
公积金存款分为两个账户,一般称为第一户头和第二户头,第一户头用作会员未来的退休基金,仅允许在55岁后提领;第二户头则可让会员提取,用作购屋或申请念书。
有意向发展商、个人或公共拍卖购买自住房屋者,可向雇员公积金局申请提领。
购屋者可购项目包括独立洋房、排屋、半独立式、公寓、单房公寓、服务式公寓、连排别墅以及SOHO,或者住宅单位的店铺。

 

当公积金会员提出申请时,必须呈交买卖合约、房屋贷款批准信(除非购屋者是以现款购买房屋,则不必呈交此文件)或贷款融资协议书(loan facility agreement)。

有意提领者,也可邮寄或提交这些支持文件及附件KWSP9C(AHL)(D5)提款表格至公积金局办公处。
不过,在申请通过以及获得款项前,购屋者必须事先缴付定金和房屋的头期、买卖合约的律师费和印花税,及涉及房贷程序的一切费用,一般上,在申请的当儿,购屋者至少已经获得贷款批准信。

 

可以提领多少资金?
购屋者可以提领的金额,胥视第二户头拥有多少资金。
一般上,第二户头的资金可用来缴付买卖合约的屋价与贷款额的差异,外加房价额外的10%。
如果你已获得100%的房贷,那最高只能提取屋价的10%。
若购屋者是以现款购买房屋,便可提领款高达房价110%的数额。

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With the coming implementation of Goods & Service Tax (GST) in April 2015, many Malaysians are concerned with what this bodes for prices in general. It is inevitable that home prices will also be affected. In this article, we explain how home and property prices will be affected moving forward.

To properly appreciate how GST will affect home prices, it is necessary to first understand how GST works. (Click here for a detailed but simple-to-understand explanation of how GST in Malaysia works).

Aside from GST, one must also have an understanding of the Sales Tax, which is the existing tax scheme affecting the property sector. GST will supplant the Sales Tax come April 2015.

Tax Scheme on Residential Property – The Similarities

In comparing both tax schemes, we have to first identify their similarities.

One similarity between GST and the existing Sales Tax scheme is that no taxes are charged or will be charged to the consumer on the purchase of a home / residential property. For GST, residential properties fall under the “Exempt Rated” basket of goods. (But do take note that GST will be charged to the consumer for commercial property purchases as commercial properties are “Standard Rated”).

However, during the creation of the final product (also known as the input stage in tax parlance), under both tax schemes, developers would incur taxes during procurement of their inputs and materials. And this is where the differences start to become apparent between both tax schemes. The tax rate for inputs and materials vary between GST and Sales Tax.

Sales Tax VS GST for Residential Properties – The Differences

Based on the Sales Tax Act of 1972, basic building materials such as bricks, cement and floor tiles fall inside First Schedule Goods, in which all the goods in this category will not be subjected to sales tax. Meanwhile, other building materials fall inside Second Schedule Goods, in which all the goods in this category will only be charged sales tax of 5%.

Under the new GST implementation, all building materials and services (E.g. Contractors, engineers) will be subject to GST with a standard rate of 6%. This will invariably raise the production cost for developers.

If you understand how GST works, you will notice that in most cases, the additional tax cost is simply passed on to the final consumer (Standard-Rated goods), or is claimed back from the government (Zero-Rated goods). But in this case (Exempt-Rated), the additional tax cost is borne by the party before the final consumer – The developer.
The developer does not have a next “victim” in the supply chain.

This seems like good news for home buyers as they do not have to pay GST when purchasing a home. However, one should not be too happy about this. It is no stretch of the imagination to think that developers would try to build in the additional tax costs into the final sale price implicitly.

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A look at why the Kajang-Semenyih area has become one of the hottest spots for property buyers in the Klang Valley.

在马来西亚,购买房产或为房贷再融资时,这些房产或许都拥有不同的特质,例如:租赁或永久地契、地契的划分和土地的种类等。在物业转名的过程,不同的房产特质都需要用特殊的方法来处理,而这甚至会影响到房屋贷款。这篇文章将为你揭开及总结马来西亚的房产特质,以及让你知道这些特质如何影响你对房产的购买或再融资的决定。

 

永久与租赁
租赁地契(租赁持有)的土地是属于州政府的,以出租给“业主”某个年限。当租赁期限届满时,业主需支付所规定的费用,才可延长使用期。永久地契(freehold)的土地则属于业主(房产买家),拥有权是无期限或永久的。此外,租赁土地的买卖交易,皆需寻求州政府当局(州土地局)的批准;值得一提的是,州政府很多时候会有各式各样的理由来拒绝这些交易。也因为这额外的手续或程序,租赁土地的交易往往需要较长的时间。因此,永久契约房产往往会比同类型,但只有租赁地契的单位更昂贵。

 

地契划分和转让
所有房产都拥有一张能够代表房产业主的地契;当房产在建设和发展的阶段时,那一大片的土地(用来建设房产的土地)很有可能只有一张总地契(master标题) 。这种情形非常普遍:多间房屋或公寓单位建在同一片土地上,但个别出售。在理想的情况下,该土地的总地契将会划分为多张较小的地契,然后再销售给买家;这小地契被称为个人地契(individual标题) 。

 

在高层物业,例如高楼或公寓,这小地契被称为分层地契(契业权) 。一旦地契被划分后,如果想要转让房产的拥有权,必须向州土地局提交转让备忘录(MoT)备案。由此,买家的名字将会出现在房产地契上,这将使他成为该所房产的合法业主。然而,在现实生活中,普遍的情形将会是:发展商先会将还未划分为小地契,也就是只拥有张总地契的房产销售给买家,然后才在几年后划分为较小的个人地契/分层地契。
在这种情形下,如果某人想要购买或出售房产,就不能简单的只向州土地局提交转让备忘录(MoT)了,而是必须提交名为转让契约(DoA)的文件到高级法庭。
基于总地契的存在,发展商依然是房产的合法业主;但通过转让契约,发展商已将地段上的房屋单位拥有权划分给每个买家手上。请注意,当总地契分割为个人地契或分层地契后,仍需遵照正式的物业或房产转移手续(就如同上述所提及的手续)。

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标价多少算是可负担房屋?在目前市场价位上扬幅度快速的情况,已经不容易定义。根据政府为可负担房屋推出的各种计划,可见目前比较能接受的价位是40万令吉。即使如此,你会发现,这个价位的房子已是买少见少了。如何为可负担房屋定义是一个问题,但购房门槛相信是更多人关切想知道的。可能你很难相信,大约在4到5年前,是有可能以20万令吉左右,在一些热门的城市地点如吉隆玻、八打灵再也、新山或槟城,购买一间不错并不小的公寓,而且这很普遍。在2010至2012年间,政府将可负担房产定价在约22万令吉。这可从2011年财政预算案中宣布的“我的第一间房屋计划”(SRP)中印证,因为政府当时将这项计划的住宅顶价定在22万令吉。但当来到2012年底时,这个价位的房子已经很难找到了。

 

首间房屋计划顶价40万

首购族开始发现,他们无法承担房产的市价。观察到这个变化,政府去年将“我的第一间房屋计划”的顶价设在40万令吉。这转变由多个因素导致;一边厢,低收入群对这可负担房屋40万令吉的标价发笑,因为那根本是他们无法承担的价位,而另一边厢,城市的年轻首购族发现如今很难再找到这价位的房子。不管政府如何努力为“可负担”这个词来标价,其实都应依照个人的情况而定。今天对你来说是可负担的,但却无法提供你相对于5年前可负担价位的同等生活质量。不管你如何定义可负担,要探索入场的门槛有多高,即你需准备多少现金才能购房,让我们从10万令吉至60万令吉的房价对比,就能一探究竟。

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须准备头期钱律师费等首购族享优惠

首先,我们要看看买房的成本,尤其是房产价格和下订时需准备的现金对比。一般来说,购买房子时必须准备屋价的10%为头期,之后就是律师费和印花税等费用。从上表屋价和进场成本的对比,看来趋势并不令人鼓舞。但假如你是首购族,你还有几个减轻负担的方法或项目可考虑:

  1. 购买40万令吉以下房产,买卖合约的印花税减50%
  2. 申请“我的第一间房屋计划”,购买合资格的房屋价格(40万令吉以下的房产),以便可获得100%贷款,意思是不必付屋价10%头期。

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MRT construction

The Klang Valley Mass Rapid Transit (MRT) project involves the construction of a rail-based public transport network. Together with the existing Light Rail Transit (LRT), monorail, KTM Komuter, KLIA Ekspres and KLIA Transit systems, it will form the backbone of the Greater Kuala Lumpur/Klang Valley region. This integration will likely enhance property prices as it is expected to improve inner city connectivity. The first MRT line to be implemented will be the 51km Sungai Buloh-Kajang line. The line will have 35 stations and is expected to have a ridership of over 400,000 passengers per day when completed in 2017.

 

MRT Klang Valley Map

 

When the MRT-SBK(Sungai Buloh-Kajang) Line is completed, commercial property in the vicinity of MRT stations will be in great demand. This has proven true in Singapore, Hong Kong and Taiwan, where commercial and retail premises located near MRT stations enjoy good occupancy rates and high rental yields. The same scenario will likely take place in Malaysia as well.

 

Advantages of being near a MRT station Disadvantages of being near a MRT station
1. Capital appreciation is expected to be the highest for properties within a 500-metre radius of stations. A report by HwangDBS Vickers Research says that it expects land prices in key hotspots to surge 100% to 500% over the next five years, especially where potential interchange stations will be located. Noise factor if stations are too close to properties.
2. Higher rental yields, as long as they are located within close proximity of properties. Traffic congestion, especially during peak hours.
3. Convenience, for both owners and renters who rely on public transportation to get around. Aesthetically unappealing for units facing the stations.

 

 

 

property-search

Like everything in life, there is a process. Whether we realize it or not, our whole life is based on a process. Before we embark on anything, let it be in deciding on where to go for a holiday, which new school/college/university to enroll in to even deciding which car to purchase, there is a process we follow.

It begins with a dream, followed by planning and research before the execution can take place.

Such is the case when it comes to making a decision on which property to purchase. It is after all the biggest investment one will ever make.

To understand this process and how property buyers and investors go about this decision process, iProperty.com Malaysia, conducted a short survey on the site. Gathering close to 800 respondents, the survey revealed that:
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house renovation must know

每一个人开始买房置产一定要注意以下的一些事项,记住了啊!房子千万不要这样装​​修!

 

  1. 后悔有开放式厨房,有油烟问题
  2. 后悔电源插座装少了,家里到处都是拖线板。能装多少应该装多少.
  3. 后悔马桶边上没有预留电源插座,卫洗丽没法装
  4. 浴缸PK淋浴,二选一的话,还是建议淋浴,浴缸装好,从来也没泡过澡的不是少数。淋浴不是指淋浴房,淋浴房的玻璃擦起来还是很累的,也可以选择挂根浴帘
  5. 如果有2个卫生间,装一个浴缸还是有必要的,泡泡大件衣物,帮小宝宝洗澡都是不错的选择,按摩浴缸就不必了,泡不了几回,还特别贵.
  6. 后悔厨房没有装空调
  7. 如果喜欢上网,每个房间的每面墙上,都预留至少2个网口和2个以上的插座。无线路由的确可以解决问题,但是据说有时候还是不稳定
  8. 后悔厨房烟道没有打出去,现在只要楼里有人烧菜,自家的脱排油烟机就必须同时打开,不然满屋子的油烟味
  9. 房内各种插座的位置,与后来买的家具尺寸有偏差,浪费了很多插座
  10. 如果在商场里能买到的,就千万不要叫木工做!!!!!除非这个木工手艺相当的好 Continue reading ..

How do i price my property

Determining the price of your home is not a very difficult thing to do – It’s just tedious work. You can get professional help such as property agent or you can easily browse through the property website.

It’s tough competing with hundreds; maybe thousands of property ads in newspaper classifieds like The Star if you want to sell your home. Odds are low, chances are slim. But you need to sell your property immediately. You have some contacts – You gave them a call and say you want to sell your property – Not so immediate, but you want to get it out of your hands.

It could be even more daunting if you come across problems like active bargain hunters. What will it take for you to lower that price? Gaining real estate wealth isn’t simple – You need to be knowledgeable. The following are the 6 HEADSMACKING Tips to Pricing your Home For Sale

Consider this – You want to sell your home, but you’re in the middle of thousands of sellers. What does it take to be a smart real estate seller? Knowledge. Here they are.

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first property

在百物叫涨的今天,年轻人想要购置人生的第一所房子,有时真的难如登天,但真的是不可能任务吗?

 

 

其实关键只在于年轻人愿不愿意先苦后甜,调整现有的安逸,暂时「苦行」一段日子,要拥有第一个家就不再只是个梦,但要经得起万事起头难的考验。 针对年轻人开始想规划购买房產,所整理的购屋者经验显示,如果想拥有自己的房子,那请儘早拥有。 该网站的贴文指出,买房子最关键的3件事是储蓄,理财及忍耐。

 

先谈储蓄,买房子的「入门票」是头期,这笔钱可以是每个月的储蓄、年终花红、公积金(但不建议)、父母家人支持,或投资资金转移等。 然而,多数人的头期来自于储蓄,惟对財力有限者,储蓄只適用在头期,而非全额购屋。 重新调整消费习惯 至于理財,就是做好自己的財务信用纪录,如每个月的付款、收入证明及所得税等。如果还在烦恼信用卡怎么还最低限额,这离买屋还很远。 稳定的收入,量力而为是购屋者必须要有的基本条件,因一般买屋分期付款就是30年的事,不还就是拍卖或被列入黑名单。確定在能力范围內能够支付贷款,同时不会严重影响生活品质。

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