sambung ke 2nd chapter.
Lepas anda da byr 2% thru agent, dlm masa 14 hari anda kena dptkan sign S&P/SPA which memerlukan offer letter dari bank yg akan finance rumah anda nanti as well as appointed lawyer. (anda la plak, macam entry e-business plak)
masa ni memang kelam kabut sbb nak cari bank yg akan finance smp 90% kan.
buat comparison 2-3 bank. tu psl awal2 da kena study pasal loan ni so xla buang masa time2 ni la baru nk google ape itu BLR hahaha. kalau anda xbanyak cash make sure discuss betul2 dgn bank anda nak bank legal fee, evaluation fee & insurance included dlm finance itu. kalau xincluded rasa2nya 20k at least kena top-up. insurance plak terpulang la nk 50-50 dgn spouse ke ape. kalau amik insurance 50-50 nanti kalau spouse anda meninggal/hilang upaya anda still kena bayar remaining 50% utang dgn bank. kalau both amik insurance so anda xperlu bayar ape2 da (kalau ada joint acc ye)
pd masa yg sama cari jugak lawyer anda.
ni link cane nak kira legal fee (basically it is fix)
quotation lawyer akan mintak la photocopy la, phone bills la. try to nego yang ini :)
lawyer jugak akan quote duty stamp yg ribu-riban jugak
kalau rumah below rm350k boleh dpt 50% discount dari gov.
ni cara nk kira duty stamp so anda bleh double check
anda mungkin ada terbaca kena ada separate lawyer. tamo share dgn vendor.
mcm kes saya memang hanya ada 1 lawyer, tapi bile ada legal issue lawyer tu akan act on my behalf sbb saya yg bayar legal fee dia. while the vendor only pays document processing fee (few hundreds) which means my lawyer hanya tlg dia buat dokumen sahaja. it is unethical kalau lawyer tu amik legal fee from both parties sbb kalau ada conflict then who she will represent kan?
bile dedua ni settle so time for SPA signature lah. masa ni kena bawak remaining deposit rumah. so awal2 da bayar 2% now kena bayar 8% lagi. even if your bank finance katalah 80% kan, so cash from your side patutnya 20%. tp still anda byar 10% dulu and remaining byr masa nak dpt kunci rumah nanti.
tp masa ni anda kena prepare cek utk legal fee jugak, but not including duty stamp lg. so anda boleh la buat kira2 berapa cash anda patut ada at this point kan?
a) 10% house deposit
b) legal fees only
yeay! lepas ni xde kelam kabut da.lawyer anda & bank yg kebykan buat keje.
in my case my lawyer sgtlah bagus. tukar nama rumah settle dlm masa 4 1/2 bulan aje.
sambung nanti k.
