Prosedur membeli RUMAH part I

gedik santai plak rasanya nak update blog yg agak lama terbiar..

sejak tukar kerja baru ni, takde peluang nk menulis

topik harini pasal kekdah membeli rumah

saya yakin semua B2B akan melalui fasa ini, jadi marilah bersama kongsi pengetahuan.. sebabnya saya agak terkontang-kanting jugak taktau prosedur-takut kena tipu-etc hahhaa

saya mau share experience beli rumah subsale (2nd hand la), leasehold

ok memula bila rasa mau beli rumah, start la survey 2,3 bank tanya psl home financing.. walaupun anda mungkin end-up amik bank yang ejen rekemen, tp at least dah tau selok belok loan. BLR brape, ape beza islamic loan & conventional loan, lok-in period etc etc.. xyah susah google (lambat & bosan nak baca kan?), walk-in je kat bank. SELESAI

start la cari kawasan, compare price, nk kondo ke landed sume tu.

dpt yg bekenan view umah (biasa thru ejen kan). things u all ke consider masa view umah are nego price, furnish yg dia bg kabinet, renovation, land area, bumi lot/non-bumi lot. tanya juga pada ejen value rumah kawasan tu based on recent sold unit. takut nanti bank tanak finance 90% terduduk ko nak dptkan cash nanti.

dinasihatkan check geran rumah nama vendor ke nama developer..akan nanti jd problem bile nak tukar nama. ataupun vendor expat lagi naya jugak.. then if vendor non-bumi (and u is bumi) process akan lambat jugak. these things akan menyebabkan process drag up to few years..sanggup?? paling mudah klu bumi beli dgn bumi..tapi harus ingat if untuk investment nanti nak jual susah sikit sbb kena cari bumi buyer je kan.. then decide nak beli atau tidak..buatlah istikharah ke kan.next step bile anda confirm mau

bila sudah confirm anda kena sediakan biasanya 2% bank cek atas nama COMPANY ejen itu. ingat tanya pada ejen adakah 2% itu akan direfund jika anda tak dpt home financing dr bank..mana tau kan anda ade byk loan (car loan, personal loan,ASB loan etc etc). and make sure masa byr all those things written black and white. sign dokumen itu and simpan a copy k.

ok cukup takat ni dlu..process seterusnye bersambung next entry yo

ikea JAR!

check this JAR @ ikea now!
guess how much it costs??
it's only RM5 each!!!!
so cute, so practical, air tight...
add ribbon, TQ tag or perhaps stick some big beads on it
then make it doorgift to ur VIP guest (i wish u will invite me :p)
i dont know how long the price will be rm5 but i guess it is xmas promo guys
now you will thank me gheee

cinderella pumpkin as dais!

wahai B2B dari ipoh..
ini berita gembira..saya ternampak BNR bridal ada cinderella pumpkin sbgai pelamin
white color..cantek!
xtengok dari dekat, just nampak display kat kedai dia.
sowi~xde picture ye..
tunggu ape lagi, pay a visit to BNR!

equatorial cameron cash voucher~freebies

guys, i have extra 2 cash voucher to give away to any interested B2B or ex B2B..
cash voucher worth RM338!!

some of the T&C is boleh guna from sunday-thursday only & valid till 31 jan 2011..
i da go through their website.

utk superiour room, publish rate is RM400+tax= RM460. so if minus RM338 means hanya perlu byr RM122!! compare dgn promo dia bg RM180+tax = RM207.. so penjimatan kite dpt if guna voucher ini adalah RM85.. tp itu i check non school holiday ye..klu school holiday u all check le sndri hee

edit
disebabkan ade beberapa org interested tmasuk kt my fb,pls submiy best photo with ur love one with caption utk jd pemenang.bkn ape at least i tau i bg kat sapa vouchet itu hee
pls email by 16nov sbb i nk post asap but this weekend dah start on honeymoon so mmg xsempat nk post cecepat.
Pls hurry up!!

lacey umbrella

i rent lacey umbrella with this blogger during my wedding.
that time she only had 1 color. now she manages to have baby blue, pink, soft green etc...
please refer to her post anor.

boleh tgk umbrella ini during my wedding (unofficial photo sedey masih xdapat pic from OP~tu la gatal nak tmbah page la ape la sobb sobbs)

my DIY thingy

giler kuasa ai nk post byak arini..
arini just nak upload photo hasil DIY saya..masih belum dpt official photo dr OP..sobb sobb sedih..

deco bilik pengantin ai wat sensorng
bantal jahit sendiri
itu frame kain isi dalam match with bantal
susun lantern & bunga siap!

bantal tuh jahit tangan ye..sbb xde mesin kt tepen
combo color langsir & lantern i loiikke but of course langsir tu my sis jahit
dan dideco oleh my bro, BIL & SIL :)

hantaran juga saya bertungkus lumus buat sendiri semua ye..
sbb org yg ade kt umah time tu semua ngaku xpandai gubah
(ai start gubah thursday lg even nikah on friday)

anak tudung syria DIY (beli kain lycra) tampal lace & jahit manik keliling selendang juga manik hasil ini tangan

my simple lily hand bouquet..

reservation table card

guest table card & pomander ball

high table deco
(bunga semua siap gubah & pass to my sis so pg
kenduri they can arrange on the table..bagus tak ai??)


bunga telur
(tetiba pink kan?masa start bunga xde theme lg)

yang ai xde picca is my doorgift..hopefully OP ade snap sbb dah pesan sama dia ngeee
thanks to all my family member yg byk bersusah payah
even ade small2 things yang x according to my plan
thanks to my bridesmaid juga close friends yg lepak lama kat kenduri ai..

even penat sgt byk benda DIY till my housemate kata i was busy since lepas engage lg
haha it was about 7-8 months earlier before the wedding
tp bile everything menjadi, it really worth my time
& happy bile my sibling kata i can jd WP plak cos i arrange almost everything
it's not i didn't trust org len, but i didn't want my wedding becomes burden to org lain
i wanted it to be easy & happy moment for others

soft pink veil~very gojes

i suppose pink is the most favorite color theme, regardless for solemnization or reception..kan kan?

so this post i recommend this soft pink veil owned by Miss X.. sangat gojes ok the workmanship even though i tengok from her blog je..if i ever touch it myself, mesti akan sgt2 envy with her huhu. it is done by UNAISAH AZLAN & 2m long.

since her blog does not reveal the rental fee, please contact her at whpisy@yahoo.com.. walaupon i penah query the price i don't think i have the right to post it here. and she will only rent out to B2B from KL area..have to respect her authority as this piece surely bring lots of memory to her..

please please rent this. i am sure it worths your money..