Category: Tips (52)

KWSP

公积金局向来制定许多利惠会员的政策,包括提供两项主要的援助金:

1. 失去工作能力援助金(5000令吉)
失去工作能力的公积金会员,可以向公积金局申请高达5000令吉的援助金。

申请资格:
– 马来西亚公民
– 会员年龄55岁以下
– 必须在失去工作能力后的12个月内,提出申请
– 持续失去工作能力6个月

注:每名会员只获得一次性援助

 

2. 会员逝世援助金(2500令吉)
逝世的公积金会员,其家属或继承人可申请高达2500令吉援助金。

申请资格:
– 马来西亚公民
– 会员逝世时的年龄,不超过55岁
– 必须在会员逝世后的6个月内,提出申请

注:每名会员只获得一次性援助

 

点击以下连接查看详情:
http://www.kwsp.gov.my/portal/members/member-responsibility/registration/benefits-as-an-epf-member

property-no-refund-b21found my dream house. The developer’s office said the project was selling like hot cakes. Sales were on a ‘first come first serve basis’ and I must pay a deposit otherwise she would have to give it to someone else. Or was it a booking fee she called it?

 

I begged her to give me one week. Three days, she said. How very sweet and understanding of her. Bank loan? No problem… 85% loan margin? No problem, she assured me. If I could not get a housing loan I could always cancel and get my money back. I left the developer’s office feeling on top of the world. I had secured my dream house by paying the deposit. My dream turned into a nightmare when I could not get a bank loan. I had no choice but to forgo the house.

 

As if letting go of my dream was not bad enough, the developer now refuses to give me back my deposit. The lady said her hands were tight because it’s a management decision. It was not stated in the ‘option letter’ or ‘booking form’ that my purchase was subject to the loan approval. On reading the terms and conditions in the option letter/booking form, I now realised that all terms were inclined in favour of the developer.

 

What do I do? I just want my money back. I don’t mind if they keep a small sum for cost of paper work and for administrative purposes.

 

The above scenario is not at all uncommon.

Many house buyers are unaware of lending guidelines requiring loans to be tagged to net income as opposed to gross income. Many find that they are unable to obtain the financing they want and have to withdraw from an intended purchase before the sale and purchase agreement is even signed. The developer then refuses to refund the deposit or booking fee or whatever other payment which may have already been paid.

The unfortunate part about this whole thing is that house buyers do not have the luxury of a learning curve in which they can acquire the necessary skills to avoid getting themselves into trouble. Very often by the time they realised that they have made a mistake, it is already too late and the result can be traumatic and financially crippling.

This very noble and seemingly simple undertaking of buying a house, in a lot of cases, have gone terribly wrong.

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Return on investment

简单分享一个例子和几种基本计算方式:

 

<100k 的小公寓>
房子购买价格: 100,000
银行贷款 90%/ Interest 4.2/ 30年
投资总成本(头期+ 律师费+印花税+装修+杂费): 20,000
租金: 700
每月供期: 450
每月管理费+ (一年固定支出的平均:门牌税,地税,保险): 150

 

Gross rent yield (毛租金收益率):
(每月租金*12) / 购买价格
(700*12)/ 100,000
=8.4%
(可以用来筛选投资标的, 但不是唯一标准, 因为还要考虑capital appreciation (产业增值). 一般上投资者
会以Gross rent return 5% 作为筛选条件. )

 

Net rent yield (净租金收益率):
( (每月租金– 每月固定支出)* 12 )/ 购买价格
((700 – 150) *12) / 100,000
= 6.6%
*一些投资者会选择较保守估计,’乘于10′. 是因为考虑空置期/ agent fee/ 维修等
*( (每月租金– 每月固定支出)* 10 )/ 购买价格

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Dream Home

对于大部分年轻购屋者而言,购下的首间房地产通常都不会是自己梦寐以求的“梦想之屋”(Dream House)。

不过,首间购下的房子除了为自住,他们更希望所购下的首间房子价格在未来数年能够升值,好让自己可累积更多财富,最后可为他们赚得理想房屋头期钱。

初入社会的打工族想要马上拥有梦想之屋是件难事,但并不代表不能藉由规划逐步圆梦,先从小房子开始也许是个不错的选择。

小文是个办公室上班族,初出社会月入不过2500令吉,不想和别人租房的他,自己在白沙罗一带购入一间二手廉价组屋,售价为13万5000令吉。

在付出20%的头期款后,他向银行贷款10万8000令吉,分30年摊还,每月供期约579令吉。

他过后将其中一间房间租出,每月收取200令吉租金,每月供期仅需支出400令吉。

 

出租房减轻负担

3年后,小文换工作月薪提高至每月4000令吉,此时,他透过房屋经纪寻找买家,成功以18万令吉售出组屋,赚入约4万5000令吉。

由于薪资和储蓄增加,加上售屋所得,使得小文有能力购下34万令吉的公寓,并透过出租房间,减轻供期负担。

小文继续以同样模式逐步升级,由于眼光独道,他每次都能从脱售房地产中取得回酬,最后他终于购得自己想要的有地房产。

像小文这样从小屋转大屋逐步累积头期款的购屋案例,常在你我身边出现,在房屋价格持续攀扬的房市中,让不少租房族萌生拥屋希望。

虽然二手廉价房屋存在许多问题,需要花钱维修,但若细心查探,耐心寻找也可从市场上找到不错的好房子。

另外,在售屋和购屋之间出现的空档期,购屋者可选择暂时外面租房或暂住家中,或者暂时和买方租回房子,直至搬入新家。

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Mutual Fund is a broad term which can be further classified into many different types of investments. See this video to get a closer look on how Mutual Fund works.

 

拥有超过1房产 选择MLTA更明智MLTA vs MRTA

达人开讲‧讲重点:贷款买房可是一辈子的事。在签下合约的那一刻,合约可长达40年或70岁,业主从此成了“房奴”。

当我们购买房产越多,相对的我们的风险越大。如果我们没有做好风险管理和保险规划,到底我们会把有价值的资产,还是负债的资产留给家人和下一代呢?

贷款买房可是一辈子的事。在签下合约的那一刻,合约可长达40年或70岁,业主从此成了“房奴”。

在这么长的时段,任何人都可能会发生任何事故,了解各自的风险程度和寻求保障是有必要的,尤其是中小型企业家,因涉及公司的财务状况。

目前在市场上,大多数业主都了解自己购买的房贷保险属于递减式房贷保险(Mortgage Reducing Term Assurance,简称MRTA),这类保险也成了多数房产投资者的不二选择。

对于另一种房贷保险:抵押定额式房贷保险(Mortgage Level Term Assurance,简称MLTA),许多人不是对它存着模糊的概念,或全然不知这类保险的存在,再不然就是在两个选择之间徘徊,难以抉择。

 

MRTA受益人仅银行

两种保险最大的不同点在于MRTA提供业主房贷的保障,在贷款期间将逐年递减。浮动贷款利率可能会导致保险在保障上的不足,因此可能面对补足不敷的剩余房贷差额。

MRTA保险提供的保障只限给一项固定房产,直到该项房产贷款时期结束为止。 MRTA的理赔金受益人只有银行,保险公司将保险金赔偿给银行缴付未清的贷款。

MRTA保险提供的保障范围只限于意外或非意外导致的残障或身亡。至于付款方式,MRTA需以一次性的方式付清保费。业主可选择自己缴付或将保费附加在贷款配套中向银行借贷。

 

MLTA可转至新购房产

MLTA提供业主房贷的保障属于平衡式,不会面对房贷差额,反而还能有多余数额去解决房贷以外的债务,如车贷、信用卡余额等。

MLTA所给的保障将可被转移至新购房产上,因MLTA是用个人名誉购买。所以MLTA的受益人可以是任何人。

若业主投保的是MLTA,由于它包含人寿保险的设计,那么可以考虑附加36种危疾保障和36种危疾免缴保费利益,让业主可伸缩性的规划所需的保障范围。

MLTA的付款方式则比较灵活有弹性,业主可选择以每月、每季、每半年或每年分期缴付。

如业主拥有超过一项房产,选择MLTA将是比较明智​​。在这样的情况下,购买MLTA保险更能给业主有规划性的保障与利益。

由于保险一般都是根据年龄售卖的,假设保期是50年,那么在那段长时间内,业主有意变卖或新购房产,MLTA将可继续给予保障而不需要以当下更高的年龄,重新购买新的保单。

无论如何,不​​管是MRTA或MLTA,业主在购买前应以自身的经济条件、购买房产计划来作为考量,以选择适合自己的保单,在面对困境时才能获得保障。

 

MRTA vs MLTA (英文版)

TNB_Careline

Afraid your tenants are not paying their electricity bills? There are two ways TNB can help you:

1. CHANGE OF TENANCY

You can change the name on the electricity bill of your rented premises to the tenant’s name. The tenant will then be responsible for the payment of the electricity bill every month.

This will avoid the issue of disputed electricity bills and arrears. To change the name, please complete the Change of Tenancy Form* and bring it to the Pusat Khidmat Pelanggan (Customer Service Centre) where your account is registered together with the following items:

  • One copy of your Identify Card
  • One copy of your Sale & Purchase Agreement or Tenancy Agreement
  • Deposit: two month’s usage of electricity depending on the type of premises – to be paid by cash or cheque
  • Stamp Duty RM10 x two pieces (one piece glued on the form and stamped at any Pejabat Hasil office. The other piece to be brought to the Pusat Khidmat Pelanggan)
  • Processing fee of RM3.00

*Change of Tenancy Form can be obtained at any Pusat Khidmat Pelanggan

 

2. BILL MONITORING

If you do not wish to change the name on the electricity bill to the tenant’s name, you can still get a copy of the bill every month to monitor the status of payments from time to time.

This can be done by registering your rented premises through TNB e-Services at https://e-services.tnb.com.my. Bill copies can also be obtained by calling 1300 88 5454.

Rather than using the same old conventional form of electricity, visit utility saving expert and find out ways you can use an alternate source of natural energy for your daily work.

 

 

second hand property

  1. If there is an immediate need to use or rent out the property, then the secondary market is more suited.
  2. Since rental is almost instant and can service your bank loan, your borrowing limit will not be affected. You are able to borrow more.
  3. If you are the sort of person who prefers to buy property “as it is”, then a second hand property is the best.
  4. The ‘as it is’ concept reduces risks and surprises.
  5. Over the last 2-3 years, the secondary market has lagged behind the developer’s market. Prices are 10% to 20% cheaper compared to newer developments in the same location.

SELLING_NEW_HOMES

  1. Choice of good units for the early bird or repeat buyer.
  2. Your capital outlay is low if you qualify for a 90% loan. Common for developers to give 5% to 10% discounts.
  3. The biggest price appreciation within the shortest time happens during the construction phase. It is normal for prices to appreciate by 20%-30% within 2 to 3 years of construction. When buying completed property, the appreciation is 5%-10% per annum for normal years. (The last 3 to 4 years were not normal years but a super bull run in the property market).
  4. It is possible to make RM50,000 per year – something which most people cannot save from working hard from Jan-Dec.
  5. During the construction phase, the purchaser just needs to be aware of progress. Meanwhile, the developer is working hard to complete the project and inflation (eg. 5% per annum) works for the buyer.
  6. Some people don’t like to live in properties that others have lived in before.
  7. You enjoy a Defect Liability Period of around 18 months.
  8. Lots of freebies thrown in by developers to entice people to buy eg. DIBS (Developer Interest-Bearing Scheme), Discounts, GRR (Guaranteed Rental Returns) etc.
  9. If you are buying a high-rise development, there is no need to pay Stamp Duty. It is only payable when the Strata Title comes out many years later. As the first buyer, you can get away with it if you sell before the Strata Title is issued.
  10. As long as you buy from a reputable developer, the right product type, in the ight location, and at the right time and price, the risks are actually minimal.