Category: Tips (52)

马来西亚的房产走势,更是一路飘红,大多数地产发展商预期房地产价格会不断上升,大马成为2013年全球最热的十大房产市场之一。为什么马来西亚房产如此火爆?今天, 简单分享如下:

 

一.贷款利率
马来西亚房产贷款利率在4%左右浮动。

 

二.房屋产权
马来西亚的房产产权为99年或者永久产权。

 

三.租金回报
马来西亚高达5%-6% 的回报率显得相当可观。

 

四.房屋面积
马来西亚定义的房屋面积是套内面积,即没有公摊面积。

 

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7 tips when purchase a property

1.银行是风向标

近来市场经常在争论房地产市场是否存在“泡沫”,房价是高是低?这个问题还是留给经济学家们去讨论好了。 作为买房自住或投资者大可不必管什么收入房价比,也没有必要管空置率怎样算。普通买房人看市场的方法很简单,那就是看银行对买房贷款的态度,银行手松,说明市场看好;银行手紧,说明市场风险加大。银行的态度比专家的话真实、准确,可信度更高。

 

2.参考平均价格

经常听一些人讲平均价格下跌,是因为某类房子增多,​​并不说明房屋价格真的降了。持这种观点的人只说对了问题的表面,却忽略了平均价格反映的真正内涵。某类房子增多代表着市场的需求,更反映着政府的政策导向。便宜房子增多,​​受影响首当其冲的一定是高价房。

 

3.买涨不买落

房地产投资和其他投资一样,不要认为自己能摸到市场的价格底线。如果不是为了急住,当房价一路下跌时还是持币观望一下好,宁愿市场开始走高时买不到最低价,也不要有抄底心理。 Continue reading ..

搬家1. 不可空手入屋搬家的那一天,第一次走进去的时候,手上一定拿一些贵重的东西。拿着珠宝箱、存款簿、或装有138元(一生发)的红包,也就是第一次走进新屋时,不可以空手走进去。表示这家里未来会很充实,财富越来越多的意思。

 

2. 入宅后不再修造施工还没搬家前,可以尽量去隔间、敲敲打打、什么地方要做都可以。一旦搬进去之后,尽量就不要再修造施工了。搬东西可以。如果要再装修的话,就一定要择日了。

 

3. 家有孕妇不搬家一定要搬家的话,可以请孕妇先回娘家住一阵子,等搬好后才入新居。孕妇尽量不要参加搬家的整个过程。

 

4. 要择吉日,时间一定要午前选好的日子、吉日,看农历上哪天宜入宅搬家,还要注意不要冲克到家里成员的生肖日。搬家时间尽量要在午前,因为中午以前是阳时,中午以后就叫做阴时。尽量在阳的时间搬家。

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With the theme ‘Strengthening Economic Resilience, Accelerating Transformation & Fulfilling Promises’, Budget 2014 outlined five main thrusts:

  • Invigorating Economic Activity
  • Strengthening Fiscal Management
  • Inculcating Excellence in Human Capital
  • Intensifying Urban and Rural Development
  • Ensuring Well-Being of the Rakyat

 

The following are the highlights from Budget 2014:

CIVIL SERVICE

  • Pensioners will receive a special financial assistance of 250 ringgit to assist them meet the rising cost of living.
  • Government to give a half-month bonus for 2013 with a minimum payment of RM500 to be paid in early January 2014.

CASH HANDOUTS

  • Cash handouts to households with a monthly income of below 3,000 ringgit will be increased to 650 ringgit from 500 ringgit.
  • For individuals aged 21 and above and with a monthly income not exceeding 2,000 ringgit, cash handouts will be increased to 300 ringgit from 250 ringgit.
  • For the first time, cash assistance of 450 ringgit will be extended to households with a monthly income of between 3,000-4,000 ringgit. rising cost of living borne by the lower middle-income group.
  • To implement all cash schemes, government will allocate 4.6 billion ringgit which is expected to benefit 7.9 million recipients.

 

REAL PROPERTY GAINS TAX (RPGT)

  • For gains on properties disposed within the holding period of up to 3 years, RPGT rate is increased to 30 percent.
  • For disposals within the holding period up to 4 and 5 years, the rates are increased to 20 percent and 15 percent, respectively. Malaysian property firms with exposure to this tax change include UEM Sunrise,  Mah Sing Group and Tropicana Corp .
  • Raise the minimum price of property that can be purchased by foreigners to 1 million ringgit from 500,000 ringgit.
  • Prohibit developers from implementing projects that have features of Developer Interest Bearing Scheme (DIBS), to prevent developers from incorporating interest rates on loans in house prices during the construction period.
  • Financial institutions are prohibited from providing final funding for projects involved in the DIBS scheme. Malaysia’s top three banks are Maybank, CIMB and Public Bank.

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外国人购买本地产业参考(2012年资讯)

  1. 不能购买卖马币少于1中号的产业。
  2. 可买住宅/商业的标题,但不能买地(土地)
  3. 不需外资委员会(FIC)批准
  4. 但银行一般只会批准率60%〜80%
  5. 没规定置产后一定要住多久
  6. 不需先申请“马来西亚我的第二家园计划”(MM2H)。 MM2H主要是延长出入境限制。参考MM2H:http://www.mm2h.gov.my/incentive1.php

 

新加坡PR:

  1. 购买本地产业没问题,本地政府没有限制。但要考虑以下两点。
  2. 已经拥有本地产业,就不能申请新加坡组屋(HDB)
  3. 如果已经拥有新加坡组屋(HDB),5年内(最低职业期间)不能购买本地产业中的,否则新加坡政府查到要罚款

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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5 important thing you must know before invest in property

俗话说:“男怕入错行,女怕嫁错郎”,套用在正计划拥屋的购屋者,最怕却是买错房,租不出又卖不出,才是人生一大痛。

MCT集团(MCT Consortiu做人最怕买错房 租不出又卖不出

 

MCT集团(MCT Consortium Bhd)执行董事暨资深房产分析员拿督吴明权以“买房5招”,在9月中的“2013年南洋产业”为读者分析,6个房地产个案探讨。

 

“这5个选择房产的因素顺序很重要,最重要非地点莫属、依次为基本设施、保安与设计概念、品牌与房产面积,及发展商承诺。”

在分享的成功个案中,有些是在后期才符合“买房5招”(见表)反败为胜。

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产业行情保持看涨的情况下,许多人会直觉认为,购买产业不会亏,可以稳稳赚一笔,关键在于赚多或赚少。

 

话虽然这么说,不过,凡事有两面,投资或购买产业也不例外,有些人购买产业可能赚了大笔钱,也有些人不只没赚,反而倒亏,当然,大多数人是没赚、没亏。 在一个大家认为购买产业可以稳赚的阶段,为何购买产业会倒亏?这是许多人不大理解的地方。

 

何谓倒亏?只要产业价值没有上涨,账面上已经倒亏,因为通货膨胀会削弱产业的价值,因此,产业价值必须有所增长,才能抵消购买产业所需的贷款利息开销、冲淡通货膨胀的影响效应。 当产业单位所在地点不理想,租也无法租出去,低于原价卖出也无人问津,对业主来说,这是一件很辛酸的事情。投资产业本金大笔,利上加利的成本,贷款数额可以越滚越大,会带给业主重大的负担,以投资产业倒亏来形容是相当贴切的。

 

靠机缘财力眼光时机配合 那么如何避免购买产业可以稳赚、不会倒亏的局面?理论上来说并不难,可是,实践起来就不是那么容易,因为这关系个人的机缘、财力、眼光,还要时机的配合。 所谓的机缘是恰好让你遇到好的产业单位,而且你也有能力购买该产业,这关系个人的财力条件,眼光主要是考个人的判断能力,这一项有点考功夫,在购买产业之前,必须多做功课,比如研究产业市场的走势、产业价格起落的周期等等。

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This document presents a detailed flowchart on the process of property development in Malaysia, from land purchase application to construction to delivery of the property to purchasers.

第1招:房产要买对

买房子,不光是便宜就好,得买对地方及对的产品,自然有升值空间。

有人把买房选屋当成一辈子的事,亦步亦趋走得小心谨慎,生怕买贵屋、置错产,但MCT集团执行董事吴明权指出,只要买到对的房产,纵使经济不景气,房屋就算跌价,料幅度也不大。

“假设经济果真疲软,这种情形下银行会不会倒?你若还是保守,不敢投资不敢借钱,一味把钱存进银行不是更有风险?我们应该改变心态、做好心理准备泡沫出现时如何应对,而非不投资。”

他说,买对房产包括买对地点、对的产品、入住率稳定,且价格合理;稳定的入住率代表有需求,这样即使经济情况恶化,需求还是在。

“屋子是人生最贵的资产,要理性的买,不要贪小便宜乱乱买;对的房产在经济不景时跌幅也不会很大,反之若买错房产,不只租不出连卖都有困难。”

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