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Monday, November 29, 2010

除首期外‧買屋須準備多少錢

池先生現年27歲,月收入4千令吉,他來信提出有關購買房屋的問題,由於是購屋領域的新人,希望多瞭解一些有關購屋的常識,例如除了準備10%首期錢,尚需準備多少個百分比的購屋相關款項。
他在信中提及物色到一間位於沙亞南、售價15萬令吉的永久地契公寓。
另外,在購買轉手房屋時,需要注意哪些事項?
答:以池先生月收入4千令吉來計算,假設還有汽車分期付款1千令吉要償還,剩下3千令吉,只要房屋貸款分期在1千令吉之間,沒有拖欠信用卡債,他的房貸申請獲批的幾率是相當高的。
如果是貸款90%,由於貸款數目不大,池先生的償還貸款期限不需要拉太長,假設是15年,每月的分期付款在1千令吉之間。
至於律師費及印花稅等費用,分為兩筆,一筆是買賣合約的律師費與印花稅,另外一筆則是貸款的律師費與印花稅。
先說買賣合約,如果產業交易價是15萬令吉,1%的律師費即是1千500令吉,還有其他相關費用,因此,律師費這筆不只是1千500令吉,政府的印花稅是首10萬令吉1%,就是1千令吉,接下來11萬至20萬2%,池先生產業價格另外的5萬令吉印花稅以2%計是1千令吉,印花稅這筆需要2千令吉。
至於貸款合約的律師費與印花稅,以貸款數額作為計算基礎,同樣是首15萬令吉1%,而印花稅則是貸款額x0.5%,假如貸款14萬令吉,需繳付的印花稅是700令吉,當然律師樓還會徵收一些相關費用。
在購買轉手房屋之前,最好能確保賣主不是破產者,雖然幾率不大,但曾發生過一些買主面對這樣的問題,苦惱不已。
另外,在簽署買賣合約、與銀行簽署貸款合約之前,必須準備足夠的律師費及印花稅,這是一筆不小的費用。
其實,在還沒有訂購房屋之前,也可以向一些銀行詢問,表明本身準備購買價格15萬令吉的房屋,以自己的收入、準備面對多少年的房屋供期,可以貸款多少錢等等,銀行貸款部的職員會協助計算出比較準確的數目。
星洲日報/投資致富‧產業問診室‧2010.11.07

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