Prosedur Membeli Rumah Part II

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)

http://www.elawyer.com.my/legal_calculator_info.php

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

http://www.mylawyer.com.my/article/stampduty.php

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.

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