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faraway1 posted on 21-2-2013 01:51 AM 
kalau tak salah me, laki pinksarah beli rumah cash....
ala..beli cash masa tu bukan mahal benar pun pasal properties lain jauh lebih mahal..
klu nak ikut area yg i beli tu lah,psl terrace house second hand area situ pun ada yg dh makan juta2 rm...
sorry TT,i x reti nak nasihat pakai loan..
tp,if you dh ada target dan dh dpt rumah yg u suka,x kira lah besar ke kecik and u target nk beli cash go ahead..
afterall,properties ni x rugi beli..
yg rugi beli mahal2 kereta..hehehehe
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TT aku nak menumpang tanya gak dalam thread ni. Kalau kawasan KL, PJ yang mature are selalunya rumah/apartment/kondo ni selalunya leasehold.. setengah tempat lease hold ni dah tinggal 30-40 tahun maybe ada yg kurang. persoalannya berapa premium atau cukai pintu kena bayar ye?
para forumer yg otai, mohon jawap ye... 
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cepheid posted on 21-2-2013 10:34 AM
TT aku nak menumpang tanya gak dalam thread ni. Kalau kawasan KL, PJ yang mature are selalunya rumah ...
setahun 700..
tp ni freehold,leasehold i x tau..
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pinksarah posted on 21-2-2013 06:39 PM
setahun 700..
tp ni freehold,leasehold i x tau..
ni rumah teres ke pinksarah?
nak tunggu yg lain jawap untuk leasehold property lak..
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kin tu name org ke??? |
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cepheid posted on 21-2-2013 10:50 AM
ni rumah teres ke pinksarah?
nak tunggu yg lain jawap untuk leasehold property lak..
condo..
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TT kat open thread page 1 tu ko TAK STATE pun yg ko nak...
1. DOK UMAH AREA KL..
2. nak cari pangsapuri kelas sederhana jer ...
len kali story habes apa citarasa yg ko nak terhadap kemampuan yg ada...
Ni dok gebang tak nak beli umah...then nak beli umah cash besar...then nak loan umah plak...
Bila org bagi buah pikiran dok kondem buah pikiran org dgn ayat " Tu ko punya hal..aku tak hingin"
wei..org cuma bagi GUIDELINE jer kat ko...kalo tak sesuai..IGNORE jer..
Meh sini aku nak story kat ko ttg realiti idop..since ko kata ko pompan baru nak idop..
1. keta ko dpt free dari famili..
Tu keta age berapa tahun..? keta tua @ muda..? Kalo keta tua..sila standy loan/cash utk beli baru..
kot-kot nanti enjin keta ko mampus tgh2 KL dlm masa 3/4 tahun lagi....
2. Umah apartment sekangkang kera yg ko nak beli tu anngaran luas berapa kaki..? kalo apartment luas bwh 1000sft ianya amat sempit dan tidak selesa..dah beranak pinak sok..ko tau la cemana rasanya idop dlm umah yg sempit...
Kalo ko nak beli jugak apt tengah KL..sila amik 1000sft ++...baru la ko tak nyesal seumur idop...
3. Bila dah beli apt tengah KL sok...jgn merungut bab parking keta tau...bertabah la segala bila keta kena blok...
dan kuatkan semangat utk berangkut brg segala dari keta ke umah di blok 3A..tingkat 5 UMLESS..
KALO KO DOK APARTMENT HIGH FACILITY..tapi kena pikir jugak kalo famili ko nak dtg kena parking kat luar..& jgn merungut kat guard kalo keta tak bole msk dlm...
4. Bertabah jugak utk baya kos memtenance yg tinggi..
kalo takat aptment biasa jer..bertabah dgn persekitaran yg biasa2 jer...
5. Sila juga bertabah untuk sama-sama stay dgn foreiner yg selalunya akan cari apt utk stay...
kalo ko beli KONDO maybe jiran ko adalah expartraite..kalo ko beli apt biasa..maybe jiran ko adalah warga aprika..ka..ka..ka.. |
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ellyahmad_1983 posted on 21-2-2013 04:35 PM
apa nangis2 ni. jangan la wei. bukan biasa ke dalam dunia sekarang. aku tak reti nak simpan2 penda ...
Last edited by silica_SiO2 on 22-2-2013 03:34 PM
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koko2 posted on 22-2-2013 09:24 AM
TT kat open thread page 1 tu ko TAK STATE pun yg ko nak...
1. DOK UMAH AREA KL..
ye betol kaka koko2
ai nak borak jgk lagi ni
ade bos ai duk kat cyberjaya..kondo/apartment expat la
die sendiri taktahan
die kate tak bgs tuk anak2 die dgn kejiranan sebegitu rupe
geng2 awang hitam duk tepi umah etc
so die pindah pi kondo dengkil anak banak
sooooooooo aman kata nye.
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koko2 posted on 22-2-2013 12:02 PM
Hahaha....
Jgn2 esok2..tahun depan..lagi 4 thn ka..
TT ni bukak Thread..kat mana nak carik sekan ...
@koko2 @silica_SiO2
Silica ngn koko2
LANTAK KORANG LA. MALAS AKU LAYAN.
Aku tanya pasal pasal cara2 elak interest la wei. orang lain paham, napo ko tak paham. dulu uni selalu ponteng erk.
Keta tua la. Family aku tak kaya nak bagi kereta baru. Aku balik Malaysia tahun lepas, sebagai bodekkan untuk balik Malaysia, parents bagi hadiah kereta diorang, sebab diorang nak beli kete baru. so dapat la aku keta lama diorang, Persona tahun 2011.
1000sft ianya amat sempit dan tidak selesa..dah beranak pinak sok..ko tau la cemana rasanya idop dlm umah yg sempit...
Kalo ko nak beli jugak apt tengah KL..sila amik 1000sft ++...baru la ko tak nyesal seumur idop...
thanks erk pasal ni. so far aku single lagi. tapi masa di London dan Sydney, dah biasa aku sewa flat dan unit yang kecik. aku dah biasa kot. tapi dah kahwin nanti tak tahula.
Aku tak tgk lagi pasal2 parking ni, again ko terkeluar tajuk. aku tanya pasal loan. tapi so far rumah yang aku tgk rumah mmg ada designated covered car park. so tak da hal. again ko terkeluar tajuk. aku tak yah suruh ko pikirkan pasal parking aku. yang aku jahil is pasal loan.
pasal maintenance pun ko tak yah risaukan. aku tak tanya pun penda[at pasal tu. aku sekarang pun duk apartment, aku tahula pasal maintenance rate ni.
pasal jiran, mmg diluar kawalan aku. tapi selama 7 tahun merantau aku dah biasa jer duduk berjiran dengan orang pelbagai bangsa.
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ellyahmad_1983 posted on 22-2-2013 12:16 PM
@koko2 @silica_SiO2
Silica ngn koko2
kete tahun 2011 tu ko consider tua? itu baru lagi la.. skrg baru 2013, mmg le tak banyak ragam kete lagi. 5 tahun pun belum cecah. lagi nak panggil tua. 
kete aku, tahun 2000, so, aku tahu le ragam kete mcm mana. aku ajek yang tahu. tapi, nak explain detail pun ko tanak dengar kan..
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kalau nk cepat2 abiskan loan umah..buat sajorkk flexi loan...time dpt bonus lebat ke..terus masukkan segedebuk..cepat habehh hutang uols |
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Hana posted on 22-2-2013 01:58 PM
kete tahun 2011 tu ko consider tua? itu baru lagi la.. skrg baru 2013, mmg le tak banyak ragam ket ...
oh ya ka. alamak, hmm k la, kereta umur sederhana la kot. sebab kalau keta baru mesti tahun 2012/13 (pendapat saya la).
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siputsedut posted on 22-2-2013 02:37 PM
kalau nk cepat2 abiskan loan umah..buat sajorkk flexi loan...time dpt bonus lebat ke..terus masukkan ...
yep, nanti akan di tanya pada bank. ada jugak forumer lain yang beritahu pasal flexi loan ni aritu.
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Hana posted on 22-2-2013 01:58 PM
kete tahun 2011 tu ko consider tua? itu baru lagi la.. skrg baru 2013, mmg le tak banyak ragam ket ...
yes, nasib ko tak citer pasal keta ko. kalau tak mmg aku bolayan. sebab tak berkaitan. tapi kalau nak borak ngn forumer lain, i tak kisah.
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The table below shows the current home loan package that banks in Malaysia offer as in February 2010 for comparison purpose. The package may change, so for confirmation, you can check with the bank.| Bank | Package Type | Interest Rate (%) | Package Information | | Alliance Bank | Flexi Loan | from BLR – 1.8 | - Non ZEC
- No minimum loan amount
- Minimum lock-in period 5 years
- Exit penalty 3% on loan amount or RM3,000 which ever higher
- No fixed interest rates
| | AmBank | Flexi Loan | from BLR – 1.9 | - Non ZEC
- No minimum loan amount
- Minimum lock-in period 5 years
- Exit penalty 3% on loan amount
- No fixed interest rates
| | CIMB Bank | Home Flexi | from BLR – 1.9 | - Non ZEC
- Minimum loan RM150,000
- Minimum lock-in period 5 years
- Exit penalty 3% on loan amount
- No fixed interest rates
| | Citibank | FlexiHome | from BLR – 1.5 (ZEC)
from BLR – 1.8 (non-ZEC) | - Both ZEC and Non ZEC
- Minimum loan RM100,000 (ZEC)
- Minimum loan RM60,000 (Non-ZEC)
- Minimum lock-in period 5 years (ZEC)
- Minimum lock-in period 3 years (Non ZEC)
- Exit penalty 3% on loan amount (ZEC)
- Exit penalty 3% on loan amount (Non-ZEC)
- No fixed interest rates
| | EON Bank | Super Easi 123 Flexi | from BLR – 1.8 | - Non ZEC
- Minimum loan RM50,000
- Minimum lock-in period 3 years
- Exit penalty 3% on loan amount
- No fixed interest rates
| | Hong Leong Bank | Flexi Mortgage | from BLR – 1.85 | - Both ZEC and Non ZEC
- Minimum loan RM100,000 (ZEC)
- Minimum loan RM50,000 (Non-ZEC)
- Minimum lock-in vary 3, 5 or 7 years
- Exit penalty 3.5% on loan amount
- No fixed interest rates
| | HSBC | HomeSmart | from BLR – 1.75 | - Both ZEC and Non ZEC
- Minimum loan RM50,000
- Minimum lock-in period 3 years
- Exit penalty 3% on loan amount
- No fixed interest rates
| | Maybank | MaxiHome | from BLR – 1.8 | - Non ZEC
- Minimum loan RM50,000
- Minimum lock-in period 3 years
- Exit penalty 3% on loan amount
- Option for fixed interest rates for 3,5 or 7 years
| | OCBC Bank | Home Loan | from BLR – 1.9 | - Non ZEC
- Minimum loan RM100,000
- Minimum lock-in period 5 years
- Exit penalty 3% on loan amount or RM3,000 which ever higher
- No fixed interest rates
| | Public Bank | Home Save | from BLR – 1.9 | - Non ZEC
- Minimum loan RM150,000
- Minimum lock-in period 5 years
- Exit penalty 3% on outstanding amount
- No fixed interest rates
| | RHB Bank | Flexi Loan | from BLR – 1.8 | - Non ZEC
- Minimum loan RM100,000
- Minimum lock-in period 5 years
- Exit penalty 3% on outstanding amount
- No fixed interest rates
| | Standard Chartered | Flexi Loan | from BLR – 1.8 | - Non ZEC
- Minimum loan RM100,000
- Minimum lock-in period 5 years
- Exit penalty 3% on loan amount
- No fixed interest rates
| | UOB Bank | Flexi Mortgage | from BLR – 1.8 | - Non ZEC
- Minimum loan RM200,000
- Minimum lock-in period 5 years
- Exit penalty 2% on loan amount
- No fixed interest rates
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Tagged as: Alliance Bank, AmBank, CIMB Bank, Citibank, Comparison, EON Bank, Hong Leong Bank, HSBC, Maybank, OCBC, Public Bank, RHB Bank, Standard Chartered, UOB |
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TT ko ni emo.....kalu ko bijak ko leh refer forum kt lowyat.net...bicara jutawan...tu few forum aku suggest..sbm aku bt loan umah 400k aku study abis2...zmn la zmn it..maklumat diujung jari ja...aku rasa bnya komen yg diberi oleh forumer2 bnyak yg btoi...aku tgk tt ni cam emo...sory to sayla...ni realti kehidupanla....jgn ko rasa ko gaji 8 k 10 k ko dah rs hebat......ko blm tau masa2 akan dtg..ada masa kita akan tergolek..ni realti...aku dah tempuh smua tu..........jd ringasnya kalu ko xmau intrst gila2 ko benci hutang ko simpan duit ko...biar bayr cash...abis cite..xpun ko bt pinjaman kt FAMA mak saudara ko yg kaya raya...senang cite.......
sori TT ... |
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Category: Cinta & Perhubungan
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Post time 21-2-2013 06:29 PM
Author
itu pasal le aku panggil ko. 
