除首期外‧買屋須準備多少錢

2010-11-07 19:41

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

Feng Shui for the Bedroom

Ensure you have more Yin features in your bedroom as this aids in health, longevity and relationships, says Joey Yap Posted Date: Nov 11, 2010 By: Joey Yap

Feng Shui for the Bedroom Ensure you have more Yin features in your bedroom as this aids in health, longevity and relationships, says Joey Yap  The idea behind having a bedroom with optimal Feng Shui is fairly simple – instead of active Yang, we need to consider the receptive Yin. We like our bedroom to be slightly more Yin than Yang. Why is that so? Whereas wealth pursuits require activity and creative power, health and longevity rely on stability and recuperation. Hence, the condition of your main door, a Yang feature, governs your wealth aspects. The condition of your bedroom, a Yin feature, governs health and relationships. From this you would be able to instantly deduce, for example, that a bedroom with too many doors or windows, is undesirable. Multiple openings mean multiple movements, resulting in a pre-dominantly Yang condition. Not enough Yin means not enough rest. This also applies to bedroom with too much sunlight – a source of Yang Qi. While in most Feng Shui cases, ample sunlight is important, too much sunlight is not required in the bedroom. External Views Matter A good bedroom is one that calms and allows rest to occur. Externally, having a mountain view is also favourable. Mountains and hills are natural Yin features that lend stability to the room and its occupants. What we do not want to see outside the bedroom are pylons, highways (overly Yang), rivers (a natural Yang feature), dead trees, lamp poles, and other merciless features. If you have these outside your bedroom, block the view with thick curtains. Keep the windows closed at most times, so as not to receive the (negative) Qi from this direction. While you do not have to worry too much about the colour of your curtains or sheets, you do have to ensure that your bed is properly placed. Always, the head of the bed needs to be placed against a solid flat wall. This is the stability (Yin) factor that supports the bed. What you should not do is to place your bed in an angled position – even though it faces one of your favourable directions. Even at advanced levels of Feng Shui practice, observing physical forms always supersedes formulae. Hence, having your bed head situated at the sharp 90 degree angle where two walls meet is, in fact, is placing your head at a point of volatile Qi. Good health and good relationships will be hard to sustain.

There should not be any beams running above your bed as well. This is especially detrimental if the ceiling beam is right above the head of the bed. Install a false ceiling to allow Qi to flow smoothly around the room (Yes, Qi flows upwards as well!). Other common forms to observe in Feng Shui is to ensure that the room door is not directly aligned to the bed – that the door does not ‘open directly’ towards the bed. In such cases, Qi that flows into the room spears directly onto the bed (force of Yang).

Last but not least, colours do not play a significant role in Feng Shui – However, painting your room entirely blue and black, for example, may be a case of being extremely Yin.


Source from Feng-Shui-for-the-Bedroom-

Milano @ Kota Kemuning

KUALA LUMPUR: Property developer Jaya Upaya Corp Sdn Bhd expects to sell all its boutique bungalows at Milano@Kemuning by the end of this month after receiving overwhelming response during the project’s launch on March 6. 

Managing director Lee Cheng Bing told StarBiz the company had already sold 50% of the 38 three-storey boutique bungalows. 

“We are optimistic based on the feedback we received during the property’s launch where we managed to attract about 300 walk-in potential buyers and investors. 

“With the economy heading for improvement and attractive interest rates from the banks, we should be able to sell all the remaining units by end of this month,” he said. 

Lee said the bungalows were priced at RM1.5mil to RM2.3mil for lot sizes ranging from 4,000 to 7,500 sq ft. The project is located near the Kesas Highway. 

“A new highway is under development now to connect Kota Kemuning to Shah Alam. 

“Milano@Kemuning will be much more accessible once the highway is opened,” he said. 

He said the outlook for the property market was improving with most big developers upgrading their developments to come up with more premium products. 

“We can see in the areas surrounding Milano@Kemuning that people are still coming to buy properties from the developers though the prices have increased now. 

“Our launch that day saw the participation of some buyers in their mid-30s and this is a good sign that more young professional buyers are coming into the market,” he said. 

Milano@Kemuning is a gated residential scheme on 3.2ha of freehold land next to Alam Impian township and near Kota Kemuning in Shah Alam. 

The project has a gross development value of RM80mil and targets completion by the end of 2011. 

By The Star

Sunway Palmville Flyer

Sunway Palmville flyer

購買新屋與成屋‧各有何風險

2010-11-07 19:42

偉明來信提問以下問題：

1. 購買建成的房屋或興建中房屋的分別，有哪些風險？

2. 興建中的房屋與建成的房屋，在價格上是否有很大差別？

3. 購買房屋的整個過程怎樣？

4. 與發展商／賣方／銀行簽署買賣合約之前，還需注意哪些事項？

5. 在選擇貸款銀行時，應注意哪方面的問題？

答：購買建成的房屋與購買興建中的房屋，價格上會有差別，至於差幅有多大，這很難說，因為這胥視產業所在地區、是否為永久地契或租賃地契產業等等。

關於購買房屋事先要注意哪些問題，這要看是向發展商購買、還是購買轉手房屋，假如是購買發展商推出的房產單位，首先要知道產業所在位置，有關地點在這之前是否為廢礦湖、填了垃圾的空地或是低洼地。

如果在意這些地點，或是對這些地點沒有信心，最好是不要做出購買決定，以免給了訂錢後進退兩難。

購買發展商新推出的產業，應該瞭解的事項包括選擇聲譽好的發展商、查看發展商是否將土地抵押給銀行、有關產業是否坐落在租賃地契土地，假如是，還有多少年期限，建築藍圖是否已獲批准等等。

發展商提供的新屋推售小冊子，只能作參考，從中提供的資料，加上其售價做比較，然後再請教對購屋較有心得的前輩，以免做出錯誤決定。

有些發展商為求提高產業計劃的吸引力，也提供免買賣合約律師費優惠，可是，必須選用發展商的律師，這一點有利有弊，好的一點是可省卻律師費，但卻受制於發展商。

在選擇銀行的貸款配套，是以個人的財務條件為准，這需要由銀行貸款部的主要人員為個別申請者進行估算，譬如申請者的年齡、收入，準備購買的房屋價格在那一個水平，預備貸款多少個百分比等。

星洲日報／投資致富‧產業問診室‧2010.11.07