10 tips beli rumah . jom ruang kan masa membaca . tak salah kita menambah ilmu . 😊
1. Pilih Loan Yang Betul
Pastikan loan pertama yang anak muda buat dengan bank adalah loan rumah. Bukan loan kereta. Ini adalah kerana loan kereta akan menyebabkan komitmen anak muda semakin tinggi dan kelayakan di pihak bank untuk beli rumah semakin berkurangan. (Kalau nak pakai kereta jugak, pastikan guna nama orang abang, kakak, atau ayah. Asalkan bukan nama kita. Nak senang lagi, mintak nak...
Continue Reading10 tips to buy a house. Let's space the time to read. It's not wrong for us to add knowledge. 😊
1. Choose The Right Loan
Ensure the first loan that young people do with the bank is a house loan. Not a car loan. This is because car loans will lead to young people's commitments getting higher and the qualifiers on the bank to buy houses are reducing. (If you want to use a car, make sure to use the name of your brother, sister, or father. As long as it's not our name. Want to be easy again, asking to continue paying their car)
2. Use Company Accounts As CashFlow
If young people do business, make sure that customers bank in to the company account. Not a personal account of young people. If the customer banks into a personal account, it will NOT be counted as INCOME. So, lose it there. If anyone missed it, transfer back to the company account with a note ′′ CASH SALES ". If you are eating your salary, and within the same time your own business, register the company. ENTERPRISE is enough.
3. Pay KWSP
If young people are doing their own business, make sure to set your salary for yourself and pay your own business. When applying for loan bank later, there will be 2 types of income of young people. That is income from business, and income from your own salary. For salary payment, use company check to pay. Avoid transfer online only. And make sure to make Payslip and cop together.
4. Don't Influence ASB Loan and Personal Loan
Don't be quick to take ASB Loan or Personal Loan. Because this type of Loan is always the factor that leads to our home bank rejected loans. If you want to take ASB Loan too, make sure that after passing your home loan, then take it once. For me, if you plan to buy a second property, don't take an ASB loan anymore. Because usually the bank will offer us after we pass our first home loan. (but it's different if your income is big, if just taking ASB Loan and monthly payments doesn't give a big effect on your DSR, it's okay.
5. Buy First Home For Investment
For the first home, make sure you buy for investment purposes. Why did I say that? Because if young people buy to sit by themselves, it will be a expenses for young people. It's different if young people buy it in cash. Investment is also divided into two. Either Cash Flow or Capital Gain. If young people choose to cash flow investment. It means young people rent the house to others. Ensure the rent given is nothing less than the bank's monthly payment. Another one is Capital Gain. This means, young people buy a house at a certain period, and when the value of the house increases, young people sell / flip the house and get profit from the sale. This way is called Capital Gain.
6. Don't Combine The Name Of Husband Wife When Buying
Avoid combine the name of husband and wife while buying a house. This is because, everyone is only eligible to get a 90 % loan for two houses only. If the 70th house, only get a loan for 70 %. This means, if you follow the rules, a couple of wives will be able to buy 4 houses. But if combine the name, it will be only 2 houses to get a loan of 90 %. So, you'll lose it. The right rule for a husband and wife is... Buy 4 houses, 1 to sit alone, and 3 more for rent. It's a profit from renting that house to pay monthly for the house that you sit. Isn't it like sitting like that?
7. Ensure CCRIS Records CLEAN
CCRIS record is a record from Bank Negara that collects our debts with financial institutions in Malaysia. To make it easier for you before you decide to make a home loan, make sure you check your own CCRIS record first. Later you'll see your debt list and next to your monthly payment list. If it's 0, it means your record is clean. You're a man of mind. If it's 1, this means there's 1 months out, then 2,3,4 and so on. The way to check is to go to the National Bank and use the machines provided. Or now can apply online only. I'll show you the other day.
8. Three Types Of Home You Need To Know
There are three types of homes you can buy.
FIRST - undercons house (meaning under construction). Usually undercons homes are suitable for people who plan on FLIPPING (Selling) when they're done. If you're looking for a house with discount 7%, then you just need to remove 3 % capital. If you can find a house that gets 10 % discount, then you don't need to withdraw the capital to pay deposit.
BOTH - House of subsale. (means the house is done and has someone else's name). For this type of subsale house, a very large capital is required. If the house is RM500, 000, then a deposit of RM50, 000 is required. Added again with legal fees, etc.
THIRD - Auction House. Among these three types, auction houses are at very high risk. But it's okay.. high risk, the return is high.. If winning auction bid is much cheaper than market price, you'll be lucky.. For auction types, you need to study in terms of market value, house state, neighborhood and others before committing to join the bid. If you ask me, I'd rather buy a UNDERCONS house. 😊
9. Buy Undercons Home
If you choose to buy a house under cons, then choose a big developer. Examples like SP Loyal, IJM Land, Sime Darby, Worldwide and others. The first reason why to choose this developer is less risk. Meaning, the risk for abandoned projects is very low. If you choose a developer with no name, the risk is very high because they may lack capital or have other problems and cause the project can be abandoned. We will lose too later.
Second reason, if a big developer, they usually provide many benefits to their property buyers. For example, 5 %- 10 %, free air conditioner, alarm system, vinyl floor and more. Additionally, big developers will usually provide plenty of facilities in a residential park that they are developing. Look at SP Loyal example. So lucky people buy a house in this nature. How many new facilities they get. For example, there are malls, mosques, banks, parks, and more.
10. Buy Following Skills
Buy a house according to ability. Don't follow the lust. Yerlah, sometimes we are affected by friends who buy big houses, we also want to buy a big house. Loan may be able to pass.. but when entering the monthly payment chapter, it's really burdening you. Monthly commitment is higher than the income you get. Last-last, outstanding! So, to avoid this happening, before deciding to buy any house, make sure you count first about your monthly income ability to pay the house later.
11. Extra Tips
It's normal if loan for the first house, the bank wants to see your CCRIS record. Depends on some banks too. If you have never made a loan with a bank, then your ccris record is empty. And banks can't judge how discipline you are on loan payment. So, if this problem happens to you, there are 2 ways you can do it.
FIRST, you apply credit card and use it. The way to use the correct credit card is, swipe during the day, and at night keep paying back the credit card. This is to prevent you from forgetting to pay.
, make personal loan in the lowest amout in Easy RHB. This way, the bank will see a track record that you are a good debt payer.Translated
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