Category: How to invest (6)

Price negotiation










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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.


Most important step in purchasing the property is apply the loan from any of the financial institute in the country, it is the responsible for the buyer to know and understand the procedure for the loan application. the following are some of the tips and required documentation that you need to be prepare when apply the loan in order for you to get your loan to be approved on the given time frame without any delay.

First, for a loan application, the applicants should prepare several necessary documents. The documents are:

1. Photocopy of identity card
2. Latest 3 months pay slip
3. Company registrations (for self employed)
4. 6 months bank statement (salary credited account)
5. 6 months company current account (self employed)
6. Latest EPF statement
7. Borang B with tax payment slip
8. Personal savings/ current account (latest 6 months) or fixed deposit
9. Tenancy Agreement if property is rented out

The applicants should not always be very confident with the load approval, since there are chances for the loan to be rejected by the bank. Besides that, there are also few things which should be considered by the buyer before purchasing a house. There are tips on how buyers can handle these situation. Among the tips are:

1. Do not get stressed and submit your application to all the banks if the loan is rejected. Find out the reason for the loan rejection and understand the criteria required by the banks to improve the loan approval chances. Please understand that, different banks have different approval criteria.

2. Don’t be over confident on the loan approval and check with the banks before paying deposit for your house.

3. If the buyer pays an extra 10% of your installment towards the principle of the loan, you will save a minimum of 4 years tenure.

Top property investment tips

– Two golden rules

Look for the potential upside, and always calculate the amount of risk involved in the investment


– Don’t believe the hype
Always refer to facts and figures and not the hype surrounding the property or your own hopes and emotions.


– Enter at the right price
When choosing the right property, nothing is as critical as the right entry price. Cross-check the property price against surrounding properties; if it is lower than its neighbours, you’re taking less of a risk and have the potential to make more profit.


– Popularity counts
Popularity needs consideration. The property has to be sizeable enough. Reasonably well-known areas and architect’s brand name give a strong publicity push. These are the properties which prices will escalate.


– Look for uncertain times
If the market isn’t good, there will be buying opportunities, and interest rates will have to stay low. Do your calculations don’t speculate and take advantage of the opportunities.

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  1. 1-2 properties will not secure your future

    • – 1 or 2 properties will not be enough to secure your future – you need a “portfolio”
    • – “Portfolio” means a collection of investments held by an institution or a private individual
    • – Sometime in the distant future, you will have to pay off the remaining mortgages, therefore you need to get more properties than you intend to ultimately hold onto, so you can pay off any remaining debt and still have at least 3 “paid off” properties delivering you a steady rental income. Depending on your lifestyle, you may need many more properties than 4!
  2. Properties must be easy to hold

    • – The longer you hold onto a property, the luckier you become…
    • – Holding costs must be manageable and low risk or you may be forced to sell when you don’t want to
    • – Quality, new properties are usually easier to hold onto than older properties due to the additional tax depreciation benefits for new property, plus “gearing” tax benefits and higher rentals
    • – Wherever possible “buy time” before you have to settle and cash flow the property
  3. Get the right property for the right area

    • – Live where you like to live and invest where other people like to live
    • – People who live close to a commercial area (LAND) for convenience (TIME)
    • – People who live away from a commercial area (TIME) for space (LAND)
    • – Different areas appeal to different types of tenants Continue reading ..
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