Jual Rumah Di Malaysia: Apa Yang Perlu Anda Bayar?

Jual Rumah Di Malaysia: Apa Yang Perlu Anda Bayar?

Ada pelbagai sebab kenapa seseorang memilih untuk menjual rumah: untuk pelaburan, tak mampu menanggung pembiayaan bulanan, atau ingin “upgrade/downgrade” rumah.

Apa pun alasannya, jika anda ingin menjual rumah, ada beberapa kos yang anda perlu tahu dan pertimbangkan dulu.

Sejujurnya, anda tak akan dapat 100% dari harga jualan rumah, sebabnya anda kena berkorban sikit untuk bayaran wajib supaya boleh dapat pulangan yang lebih besar.

Untuk memudahkan pemikiran anda, kami bahagikan kos-kos tersebut kepada dua kategori yang perlu pemilik rumah ambil tahu untuk penjualan – kos yuran, dan juga kos cukai.



Loan Application

What is a home loan?

A home loan, also known as a mortgage, is the sum of money given to you by a financial institution to buy a property. In exchange for this sum of money, the financial institution will have security in the form of their legal entitlement to keep your property’s deed until your home loan has been paid bank in full.

What is the meaning of certain terms in a home loan?

Principal – The total amount you are borrowing from your bank.

Interest – The charges from the bank to you. You will be paying back your loan amount to the lender plus the rate of interest given by the bank.

Fees – The charges from the bank to cover things such as servicing the home loan.

Term – The length of time you must repay your loan amount plus interest to the bank.

Repayments – The amount you pay to the bank to cover your home loan.

Collateral – The bank is entitled to hold your property’s deed as a form of security in case you are not able to repay your home loan.

What are the types of home loans available?

These are the types of home loans available:

Term Loan – This home loan allows you to have a maximum loan tenure of 35 years. If you pay off your home loan earlier within the first 3 to 5 years, you will be charged a penalty fee of approximately 3%.

Fixed Rate Loan – The interest for this home loan will be charged a fixed rate throughout the loan tenure. If you don’t want to worry about whether the interest rate will increase or decrease, this would be a suitable type of home loan to apply for.

Overdraft Loan – This loan requires you to only pay for the interest rate of the loan and the amount will be deducted directly from your current account. There is no loan tenure. However, the interest rate you are required to pay is higher than usual.

Flexi Loan – This loan is a combination of a term loan and an overdraft loan. You can get a lower interest rate when you put in more money in your current account. For more information about the flexi loan, click here.

Al-Bai’ Bithaman Ajil – An Islamic home loan which follows a buy-and-sell concept. The bank will buy the property for you at the current market price. Then, they will sell it back to you at an agreed price where you will have to pay in monthly instalments.

Musharakah Mutanaqisah – An Islamic home loan where you and the bank enter into an agreement to buy a property. You will become a tenant to the bank and your monthly repayments will cover your loan and part of the bank’s share of the property.

What is a lock-in period?

A lock-in period is the length of time where you will incur a penalty from the bank if you choose to do a full settlement of your home loan. For example, if your lock-in period in your home loan contract is 5 years but you have decided to pay your home loan in full before the 5 years, the bank can impose a penalty of 2% to 3% of the total loan amount.

Therefore, when you apply for a home loan, be sure to pay attention to the lock-in period because you might have to incur extra costs for an early settlement.

What are the eligibility criterias to apply for a home loan?

These are the criteria to apply for a home loan:

  • You must be a Malaysian citizen or a foreigner with a valid working permit and visa.
  • You have to be 18 to 75 years old upon loan maturity.
  • Your joint applicant must be a direct relative such as spouse, parents, siblings, or child.

However, some banks requirements may differ from the above. For the minimum annual income, it depends on the bank and which financing scheme you are applying for. Make sure to check with your respective bank on their requirements.

How can I apply for a home loan?

On Loanstreet, just press apply and fill in your details. We will give you a call or send you an email within 1 working day, depending on your application. After that, we will submit your application to the respective bank. However, if your application does not meet our criteria, we will send you an email stating that you may have to walk into the bank to apply for the home loan.

What documents do I need to apply for a home loan?

For Employee:

  • Copy of your NRIC
  • Property booking receipt
  • Vendor Sales & Purchase Agreement / Title (copy) / New Sales & Purchase Agreement
  • Latest 3 months pay slip (for Basic Salary) / Latest 6 months pay slip (for Basic + Commission Earner)
  • Latest 3 months personal bank statement (for Basic Salary) / Latest 6 months pay slip (for Basic + Commission Earner) to show your salary credited as per pay slip
  • Latest employment letter / EA form
  • Latest EPF statement
  • Income Tax – Latest Form B / BE with payment receipt acknowledgement
  • Deposit statement eg. Fixed Deposit, ASB or Bonds (if any)
  • Diploma / Degree certificate for a longer repayment period

For Self-Employed:

  • Copy of your NRIC
  • Property booking receipt
  • Vendor Sales & Purchase Agreement / Title (copy) / New Sales & Purchase Agreement
  • Latest 6 months company bank statement
  • Latest 6 months personal bank statement
  • Deposit statement eg. Fixed Deposit, ASB or Bonds (if any)
  • Business registration

That being said, some banks may require you to provide more documents. Make sure to check what documents are required by your respective bank.

How long is the home loan application process?

Once you have submitted the necessary documents required by your bank, it will take up to approximately 7 working days to approve your application and disburse the loan to you. This process depends on the loan amount, loan tenure and your eligibility. Make sure to submit all the relevant documents with the correct details to help speed up the application process.

Can I pay more than the monthly instalment to reduce my principal loan amount?

You can make additional payments if your bank allows you to do so. Before making any additional payments, make sure to check whether there is an early settlement fee and whether it is worth it. Besides that, you should also consider recalculating the monthly instalments with your bank if you were to make additional payments because sometimes making additional payments will not reduce your monthly instalments.

What happens if I am not able to repay my home loan?

When you are not able to repay your home loan, your bank will have to seize your assets and you may be evicted from your home. However, your bank will send reminders on your missed payments. If you know you aren’t able to make your monthly repayments, go to your bank and discuss on what other alternatives they can provide you.

Why did my home loan get rejected?

There could be several reasons why your home loan got rejected. To check all the reasons


Frequently Asked Questions (FAQ)

Why should I use the Home Loan & Stamp Duty Calculator?

You should use the Home Loan & Stamp Duty Calculator to help calculate all the basic costs that are involved in your property purchasing process. This way, you’ll be able to forecast your budget more accurately before you get on with the purchasing process.

What can I do with the Home Loan & Stamp Duty Calculator?

You can use this calculator to get a better understanding of the amount of money you need to have before buying a property. Just by filling in all the necessary details, you will get the information to help you get a clearer picture on your budget before applying for a home loan. You can also compare different kinds of outcomes via the calculator. By changing some details, the calculator will provide you with various sample results, thus giving you more options for your budget.

What can I do with the results of this Home Loan & Stamp Duty Calculator?

You can use the results generated by the Home Loan & Stamp Duty Calculator to speed up your decision-making process when selecting a home loan. The information you have at your fingertips are valuable as it can help safeguard you from hidden costs and lengthy processes.

How can I apply for a home loan?

You can apply for one just by following these simple steps. Go to all home loans and click on the loan you are interested in, or compare up to three loans at once to find the best home loan for you. Fill in your personal information, press “Apply Now” and we’ll send a follow up email directly to your inbox.

How can I find out which home loan I should apply for?

If you’re still unsure, worry not! Go to the Comprehensive Home Loan Eligibility Report and fill in your personal information as accurately as possible. Within five minutes you will receive a comprehensive report in your email containing the suggested home loans that you can apply for included with an estimation of your eligibility for those loans.

What are the closing costs that I have to pay when I purchase a property?

Closing costs are the fees involved when a real estate transaction is completed. The closing costs will be on average 2% to 5% of the purchase price of the property. Examples of these costs are:

  • Title policies
  • Recording fees
  • Inspections
  • Courier charges

Are the costs from the home loan a fixed percentage?

No the costs are not a fixed percentage. They will vary depending on a lot of things such as the purchase price of the property, the home loan, the interest percentage that your lender will give you and so on. Examples of these costs are:

  • Title policies
  • Recording fees
  • Inspections
  • Courier charges

Is the stamp duty paid by the buyer or the seller?

The stamp duty is paid by the buyer.

How much is the stamp duty when buying a property?

The stamp duty is based on the purchase price of the property. Here are the stamp duty fee according to the property price:
 Property PriceStamp Duty FeeFirst RM100,000  1%RM100,001- RM500,0002%RM500,001 – RM1,000,0003%Above RM1,000,000 4%
So, imagine that you are going to buy a new property at a purchase price of RM300,000.
The stamp duty fee for the first RM100,000 will be (100,000*1%) = RM1,000
The stamp duty fee for the remaining amount will be ((300,000-100,001)*2%) = RM4,000.

This means that for a property at a purchase price of RM300,000 the stamp duty will be RM5,000.

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Selamat Mencuba

Malaysia post-MCO

Juwai IQI’s Chief Economist Shan Saeed shared his thoughts on Malaysia post-MCO – from GDP, price inflation, to oil prices and more. Find out more in the video! 🇲🇾

#BeGlobalIn3Mins #ShanSaeed #iqiglobal #juwaiiqi #realestate #property #realestateagent #explorewithIQI

Real Estate Market Stays Open, Fewer In-Person Interactions | IQI Global


Malaysian buyers continue to buy and rent homes despite Covid-19, using Juwai IQI’s new technologies like Manage My Deal which provides real-time status updates of purchases and rentals to limit risks. 📲🏡

Read more here: https://www.iqiglobal.com/blog/real-estate-market-stays-open-fewer-in-person-interactions/

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Lagu Rayuan Khas.

#RM10K #10k #KWSP #moratorium #lanjutkan #Belanjawan2021 #Bajet2021 #pkpb2020 #PKPB #letih #hilangkerja




Di z͟a͟m͟a͟n͟ N͟a͟b͟i͟ M͟u͟s͟a͟ A͟S͟, a͟d͟a͟ s͟e͟p͟a͟s͟a͟n͟g͟ s͟u͟a͟m͟i͟ i͟s͟t͟er͟i͟ y͟a͟n͟g͟ h͟i͟d͟u͟p͟ d͟e͟n͟g͟a͟n͟ p͟e͟n͟u͟h͟ k͟e͟m͟i͟s͟k͟i͟n͟a͟n͟ n͟a͟m͟u͟n͟ m͟e͟r͟e͟k͟a͟ m͟e͟n͟g͟h͟a͟d͟a͟p͟i͟n͟y͟a͟ d͟e͟n͟g͟a͟n͟ p͟e͟n͟u͟h͟ k͟e͟s͟a͟b͟a͟r͟a͟n͟.

S͟u͟a͟t͟u͟ k͟e͟t͟i͟k͟a͟, t͟a͟t͟k͟a͟l͟a͟ m͟e͟r͟e͟k͟a͟ sedang b͟e͟r͟i͟s͟t͟i͟r͟eh͟a͟t͟, s͟a͟n͟g͟ i͟s͟t͟er͟i͟ b͟e͟r͟t͟a͟n͟y͟a͟ k͟e͟p͟a͟d͟a͟ s͟u͟a͟m͟i͟n͟y͟a͟:

“W͟a͟h͟a͟i͟ s͟u͟a͟m͟i͟k͟u͟, b͟u͟k͟a͟n͟k͟a͟h͟ M͟u͟s͟a͟ a͟d͟a͟l͟a͟h͟ s͟e͟o͟r͟a͟n͟g͟ N͟a͟b͟i͟ y͟a͟n͟g͟ boleh b͟e͟r͟b͟i͟c͟a͟r͟a͟ d͟e͟n͟g͟a͟n͟ T͟u͟h͟a͟n͟n͟y͟a͟ (A͟l͟l͟a͟h͟)..?”

L͟a͟l͟u͟ s͟a͟n͟g͟ s͟u͟a͟m͟i͟ m͟e͟n͟j͟a͟w͟a͟b͟ :

“Y͟a͟, b͟e͟n͟a͟r͟.”

S͟a͟n͟g͟ i͟s͟t͟er͟i͟ b͟e͟r͟k͟a͟t͟a͟ l͟a͟g͟i͟:

“K͟e͟n͟a͟p͟a͟ k͟i͟t͟a͟ t͟i͟d͟a͟k͟ p͟e͟r͟g͟i͟ s͟a͟j͟a͟ k͟e͟p͟a͟d͟a͟-n͟y͟a͟ u͟n͟t͟u͟k͟ m͟e͟n͟g͟a͟d͟u͟k͟a͟n͟ keadaan dan nasib k͟i͟t͟a͟ y͟a͟n͟g͟ p͟e͟n͟u͟h͟ d͟e͟n͟g͟a͟n͟ k͟e͟m͟i͟s͟k͟i͟n͟a͟n͟ d͟a͟n͟ m͟e͟m͟i͟n͟t͟a͟n͟y͟a͟ a͟g͟a͟r͟ i͟a͟ b͟e͟r͟b͟i͟c͟a͟r͟a͟ k͟e͟p͟a͟d͟a͟ R͟a͟b͟b͟-n͟y͟a͟, a͟g͟a͟r͟ D͟i͟a͟ m͟e͟n͟g͟a͟n͟u͟g͟e͟r͟a͟h͟k͟a͟n͟ k͟e͟p͟a͟d͟a͟ k͟i͟t͟a͟ k͟e͟k͟a͟y͟a͟a͟n͟ ?”

A͟k͟h͟i͟r͟n͟y͟a͟ m͟e͟r͟e͟k͟a͟ m͟e͟n͟g͟a͟d͟u͟k͟a͟n͟ k͟e͟m͟i͟s͟k͟i͟n͟a͟n͟n͟y͟a͟ i͟t͟u͟ k͟e͟p͟a͟d͟a͟ N͟a͟b͟i͟ M͟u͟s͟a͟ A͟S͟.

L͟a͟l͟u͟ N͟a͟b͟i͟ M͟u͟s͟a͟ b͟e͟r͟m͟u͟n͟a͟j͟a͟t͟ m͟e͟n͟g͟h͟a͟d͟a͟p͟ A͟l͟l͟a͟h͟ S͟W͟T͟ d͟a͟n͟ m͟e͟n͟y͟a͟m͟p͟a͟i͟k͟a͟n͟ k͟e͟a͟d͟a͟a͟n͟ k͟e͟l͟u͟a͟r͟g͟a͟ t͟e͟r͟s͟e͟b͟u͟t͟.

A͟l͟l͟a͟h͟ S͟W͟T͟ p͟u͟n͟ b͟e͟r͟f͟i͟r͟m͟a͟n͟ k͟e͟p͟a͟d͟a͟ M͟u͟s͟a͟:

“W͟a͟h͟a͟i͟ M͟u͟s͟a͟, k͟a͟t͟a͟k͟a͟n͟l͟a͟h͟ k͟e͟p͟a͟d͟a͟ m͟e͟r͟e͟k͟a͟, a͟k͟u͟ a͟k͟a͟n͟ m͟e͟m͟b͟e͟r͟i͟k͟a͟n͟ k͟e͟p͟a͟d͟a͟ m͟e͟r͟e͟k͟a͟ k͟e͟k͟a͟y͟a͟a͟n͟, t͟e͟t͟a͟p͟i͟ k͟e͟k͟a͟y͟a͟a͟n͟ i͟t͟u͟ a͟k͟u͟ b͟e͟r͟i͟k͟a͟n͟ h͟a͟n͟y͟a͟ s͟a͟t͟u͟ t͟a͟h͟u͟n͟, d͟a͟n͟ s͟e͟t͟e͟l͟a͟h͟ s͟a͟t͟u͟ t͟a͟h͟u͟n͟, a͟k͟a͟n͟ a͟k͟u͟ k͟e͟m͟b͟a͟l͟i͟k͟a͟n͟ m͟e͟r͟e͟k͟a͟ m͟e͟n͟j͟a͟d͟i͟ o͟r͟a͟n͟g͟ m͟i͟s͟k͟i͟n͟ k͟e͟m͟b͟a͟l͟i͟.”

L͟a͟l͟u͟ N͟a͟b͟i͟ M͟u͟s͟a͟ m͟e͟n͟y͟a͟m͟p͟a͟i͟k͟a͟n͟ k͟e͟p͟a͟d͟a͟ m͟e͟r͟e͟k͟a͟ b͟a͟h͟w͟a͟s͟a͟n͟y͟a͟ A͟l͟l͟a͟h͟ t͟e͟l͟a͟h͟ M͟e͟n͟g͟a͟b͟u͟l͟k͟a͟n͟ p͟e͟r͟m͟o͟h͟o͟n͟a͟n͟ m͟e͟r͟e͟k͟a͟, d͟e͟n͟g͟a͟n͟ s͟y͟a͟r͟a͟t͟ k͟e͟k͟a͟y͟a͟a͟n͟ i͟t͟u͟ h͟a͟n͟y͟a͟ s͟a͟t͟u͟ t͟a͟h͟u͟n͟ l͟a͟m͟a͟n͟y͟a͟.

M͟e͟r͟e͟k͟a͟ m͟e͟n͟e͟r͟i͟m͟a͟ k͟a͟b͟a͟r͟ t͟e͟r͟s͟e͟b͟u͟t͟ d͟e͟n͟g͟a͟n͟ p͟e͟n͟u͟h͟ Ke͟b͟a͟h͟a͟g͟i͟a͟a͟n͟ d͟a͟n͟ Ke͟g͟e͟m͟b͟i͟r͟a͟a͟n͟.

B͟e͟b͟e͟r͟a͟p͟a͟ h͟a͟r͟i͟ k͟e͟m͟u͟d͟i͟a͟n͟ d͟a͟t͟a͟n͟g͟l͟a͟h͟ REZEKI y͟a͟n͟g͟ m͟e͟l͟i͟m͟p͟a͟h͟ d͟a͟r͟i͟ j͟a͟l͟a͟n͟ y͟a͟n͟g͟ t͟a͟k͟ d͟i͟k͟e͟t͟a͟h͟u͟i͟ d͟a͟r͟i͟ m͟a͟n͟a͟ a͟r͟a͟h͟n͟y͟a͟.

D͟a͟n͟ m͟e͟r͟e͟k͟a͟p͟u͟n͟ m͟e͟n͟j͟a͟d͟i͟ o͟r͟a͟n͟g͟ yang t͟e͟r͟k͟a͟y͟a͟ p͟a͟d͟a͟ waktu i͟t͟u͟.

K͟e͟a͟d͟a͟a͟n͟ m͟e͟r͟e͟k͟a͟ p͟u͟n͟ b͟e͟r͟u͟b͟a͟h͟ d͟e͟n͟g͟a͟n͟ k͟e͟k͟a͟y͟a͟a͟n͟ y͟a͟n͟g͟ b͟e͟r͟l͟i͟m͟p͟a͟h͟.

L͟a͟l͟u͟ s͟a͟n͟g͟ i͟s͟t͟er͟i͟ b͟e͟r͟k͟a͟t͟a͟ k͟e͟p͟a͟d͟a͟ s͟u͟a͟m͟i͟n͟y͟a͟:

“W͟a͟h͟a͟i͟ s͟u͟a͟m͟i͟k͟u͟, s͟e͟l͟a͟m͟a͟ s͟e͟t͟a͟h͟u͟n͟ i͟n͟i͟ k͟i͟t͟a͟ a͟k͟a͟n͟ m͟e͟m͟b͟e͟r͟i͟ m͟a͟k͟a͟n͟ o͟r͟a͟n͟g͟-o͟r͟a͟n͟g͟ m͟i͟s͟k͟i͟n͟ d͟a͟n͟ m͟e͟n͟y͟a͟n͟t͟u͟n͟i͟ a͟n͟a͟k͟-a͟n͟a͟k͟ y͟a͟t͟i͟m͟ selagi k͟i͟t͟a͟ m͟a͟s͟i͟h͟ diberi k͟e͟s͟e͟m͟p͟a͟t͟a͟n͟, k͟eran͟a͟ s͟e͟t͟e͟l͟a͟h͟ s͟e͟t͟a͟h͟u͟n͟ k͟i͟t͟a͟ a͟k͟a͟n͟ k͟e͟m͟b͟a͟l͟i͟ m͟i͟s͟k͟i͟n͟.”

S͟a͟n͟g͟ s͟u͟a͟m͟i͟ m͟e͟n͟j͟a͟w͟a͟b͟: “B͟a͟i͟k͟l͟a͟h͟, k͟i͟t͟a͟ a͟k͟a͟n͟ m͟e͟n͟g͟g͟u͟n͟a͟k͟a͟n͟ h͟a͟r͟t͟a͟ i͟n͟i͟ u͟n͟t͟u͟k͟ m͟e͟m͟b͟a͟n͟t͟u͟ o͟r͟a͟n͟g͟-o͟r͟a͟n͟g͟ y͟a͟n͟g͟ memerlukannya.”

K͟e͟m͟u͟d͟i͟a͟n͟ m͟e͟r͟e͟k͟a͟ m͟e͟m͟b͟a͟n͟t͟u͟ o͟r͟a͟n͟g͟-o͟r͟a͟n͟g͟ y͟a͟n͟g͟ m͟e͟m͟erlukan, d͟a͟n͟ m͟e͟m͟b͟ina t͟e͟m͟p͟a͟t͟-t͟e͟m͟p͟a͟t͟ pers͟i͟n͟g͟g͟a͟h͟an untuk p͟a͟r͟a͟ M͟u͟s͟a͟f͟i͟r͟, s͟e͟r͟t͟a͟ m͟e͟n͟y͟e͟d͟i͟a͟k͟a͟n͟ m͟a͟k͟a͟n͟ PERCUMA b͟a͟g͟i͟ o͟r͟a͟n͟g͟ y͟a͟n͟g͟ m͟e͟m͟erlukan.

S͟e͟t͟e͟l͟a͟h͟ s͟a͟t͟u͟ t͟a͟h͟u͟n͟ b͟e͟r͟l͟a͟l͟u͟, m͟e͟r͟e͟k͟a͟ m͟a͟s͟i͟h͟ t͟e͟t͟a͟p͟ s͟i͟b͟u͟k͟ m͟e͟n͟y͟e͟d͟i͟a͟k͟a͟n͟ m͟a͟k͟a͟n͟a͟n͟ s͟a͟m͟p͟a͟i͟ m͟e͟r͟e͟k͟a͟ l͟u͟p͟a͟ b͟a͟h͟aw͟a͟s͟a͟n͟y͟a͟ s͟u͟d͟a͟h͟ s͟e͟t͟a͟h͟u͟n͟ l͟e͟b͟i͟h͟ m͟e͟r͟e͟k͟a͟ m͟e͟n͟j͟a͟d͟i͟ o͟r͟a͟n͟g͟ k͟a͟y͟a͟ d͟a͟n͟ m͟e͟r͟e͟k͟a͟ l͟u͟p͟a͟ b͟a͟h͟aw͟a͟ a͟k͟a͟n͟ k͟e͟m͟b͟a͟l͟i͟ m͟e͟n͟j͟a͟d͟i͟ o͟r͟a͟n͟g͟ m͟i͟s͟k͟i͟n͟.

N͟a͟b͟i͟ M͟u͟s͟a͟ p͟u͟n͟ berasa sangat hair͟a͟n͟ m͟e͟l͟i͟h͟a͟t͟ k͟e͟a͟d͟a͟a͟n͟ m͟e͟r͟e͟k͟a͟ y͟a͟n͟g͟ masih t͟e͟t͟a͟p͟ k͟a͟y͟a͟.

K͟e͟m͟u͟d͟i͟a͟n͟ N͟a͟b͟i͟ M͟u͟s͟a͟ b͟e͟r͟t͟a͟n͟y͟a͟ k͟epada A͟l͟l͟a͟h͟ S͟W͟T͟ :

“Y͟a͟ R͟a͟b͟b͟, b͟u͟k͟a͟n͟k͟a͟h͟ E͟n͟g͟k͟a͟u͟ b͟e͟r͟j͟a͟n͟j͟i͟ m͟e͟m͟b͟e͟r͟i͟k͟a͟n͟ m͟e͟r͟e͟k͟a͟ k͟e͟k͟a͟y͟a͟a͟n͟ h͟a͟n͟y͟a͟ untuk s͟et͟a͟h͟u͟n͟ s͟a͟j͟a͟, k͟e͟m͟u͟d͟i͟a͟n͟ s͟e͟t͟e͟l͟a͟h͟ i͟t͟u͟ E͟n͟g͟k͟a͟u͟ a͟k͟a͟n͟ k͟e͟m͟b͟a͟l͟i͟k͟a͟n͟ m͟e͟r͟e͟k͟a͟ p͟a͟d͟a͟ k͟e͟m͟i͟s͟k͟i͟n͟a͟n͟ s͟e͟p͟e͟r͟t͟i͟ s͟e͟m͟u͟l͟a͟?”

A͟l͟l͟a͟h͟ S͟W͟T͟ p͟u͟n͟ b͟e͟r͟f͟i͟r͟m͟a͟n͟:

“W͟a͟h͟a͟i͟ M͟u͟s͟a͟, A͟k͟u͟ t͟e͟l͟a͟h͟ m͟e͟m͟b͟u͟k͟a͟ s͟a͟t͟u͟ p͟i͟n͟t͟u͟ REZEKI k͟e͟p͟a͟d͟a͟ m͟e͟r͟e͟k͟a͟, t͟e͟t͟a͟p͟i͟ m͟e͟r͟e͟k͟a͟ m͟e͟m͟b͟u͟k͟a͟ b͟e͟b͟e͟r͟a͟p͟a͟ PINTU REZEKI u͟n͟t͟u͟k͟ h͟a͟m͟b͟a͟-h͟a͟m͟b͟a͟ K͟u͟.”

“W͟a͟h͟a͟i͟ M͟u͟s͟a͟, m͟a͟k͟a͟ A͟k͟u͟ akan kurniakan l͟e͟b͟i͟h͟ l͟a͟m͟a͟ k͟e͟k͟a͟y͟a͟a͟n͟ i͟t͟u͟ p͟a͟d͟a͟ m͟e͟r͟e͟k͟a͟.”
“W͟a͟h͟a͟i͟ M͟u͟s͟a͟, A͟k͟u͟ s͟a͟n͟g͟a͟t͟ m͟a͟l͟u͟ j͟i͟k͟a͟l͟a͟u͟ a͟d͟a͟ h͟a͟m͟b͟a͟-K͟u͟ y͟a͟n͟g͟ l͟e͟b͟i͟h͟ m͟u͟l͟i͟a͟ d͟a͟n͟ l͟e͟b͟i͟h͟ p͟e͟m͟u͟r͟a͟h͟ d͟a͟r͟i͟p͟a͟d͟a͟ A͟k͟u͟.”

N͟a͟b͟i͟ M͟u͟s͟a͟ m͟e͟n͟j͟a͟w͟a͟b͟:

سبحانك اللهم ماأعظم شأنك وأرفع مكانك

“M͟a͟h͟a͟ S͟u͟c͟i͟ E͟n͟g͟k͟a͟u͟ Y͟a͟ A͟l͟l͟a͟h͟, b͟e͟t͟a͟p͟a͟ M͟a͟h͟a͟ M͟u͟l͟i͟a͟ u͟r͟u͟s͟a͟n͟-M͟u͟ d͟a͟n͟ M͟a͟h͟a͟ T͟i͟n͟g͟g͟i͟ k͟e͟d͟u͟d͟u͟k͟a͟n͟-M͟u͟.”

The moral of the story is…


Sesungguhnya jangan tunggu duit banyak untuk bersedekah tetapi mulai dgn berapa yang ada dahulu pastinya rezeki akan akan bertambah tambah.

Insya Allah..

Aamiin 🤲



RM 330,000.00

Details at Rahimhartanah•Com


Photo by Savvas Stavrinos on Pexels.com

MOTIVASI DIRI : Bila kita rasa ‘down’ kena ada ‘seseorang’ yang lain kena bagitau utk ‘up’ semula. Cari lah ‘seseorang’ tersebut. ‘Up and down’ mood ni akan berlaku beberapa kali, dan takkan stop disatu tahap saja, akan berulang ulang. Cari lagi dan lagi dan lagi sekali ‘seseorang’ itu, utk bagitau kita kata2 motivasi dan semangat, setiap kali ‘down’ mood tu jadi lagi sekali setiap kali ya. In Sha Allah. Semoga bermanfaat.

– bukan saya yang kata. Pesanan daripada ‘seseorang’. ☺️



RM 3,500,000.00


Facebook LIVE SESSION Adrian & Joyce

2020 was supposed to be great right! (At least that was what we thought, then the pandemic happened)

Then recently, we celebrated new year to welcome 2021, we were hopeful! And say, 2021 is only gonna be better!!

But on the 12th Day, MCO 2.0 is a announced and now we are stuck at home….
Many felt challenge. Especially business that requires physical meet up.

Can we survive 2021?

What Strategies and Mindsets do we need?

Let’s hear it from @Joyce Yeoh who didn’t just survived 2020, but exceled in her career in 2020 with over RM20mil Sales (within half a year)

What’s the strategy and mindset that she has in order to achieve her success in 2020?

Join us in the discussion tonight:



A. Valuation


From (RM)To (RM)Fees (RM)

For awards greater than RM1,000,000 the fee shall be a minimum of RM 3,500 plus the fee based on the following rate:

From (RM)To (RM)Rate (%)
> 50,000,000 6/250%

The fees payable shall be based on the amount awarded by the District Land Administrator. It shall be payable upon the submission by the person claiming compensation based upon a valuation report prepared by a registered valuer or appraiser in accordance with the pokiesaustralian.com guidelines issued by the Board for the valuation report. It does not include disbursements nor fees/disbursements for work done in preparation for negotiations and court attendance.


3/8 % on the first RM 100,000
3/10 % on the residue up to RM 2 million
1/4 % on the residue up to RM 7 million
3/16 % on the residue up to RM 15 million
3/20 % on the residue up to RM 50 million
1/10% on the residue up to RM200 million
1/15% on the residue up to RM500 million
1/20% on the residue over RM500 million

Minimum Fee : As above, subject to a minimum fee of RM 2,000 per property.


1/4 % on the first RM 100,000
1/5 % on the residue up to RM 2 million
1/6 % on the residue up to RM 7 million
1/8 % on the residue up to RM 15 million
1/10 % on the residue up to RM 50 million
1/15% on the residue up RM200 million
1/20% on the residue up to RM500 million
1/25% on the residue over RM500 million

Minimum Fee : As above, subject to a minimum fee of RM 400 per property.


7 % on the first RM 6,000 of annual rental
4 % on the next RM 12,000 of annual rental
3 % on the next RM 24,000 of annual rental
2.5 % on the next RM 120,000 of annual rental
1.5 % on the next RM 838,000 of annual rental
1 % on the residue over RM 1,000,000 of annual rental

Minimum Fee : As above, subject to a minimum fee of RM 400 per property.


RM 45 per holding for the first 30,000 holdings
RM 40 per holding for the next 20,000 holdings
RM 35 per holding for the balance

The above fee is inclusive of all costs, except for the additional claims for attendance at objection meetings and judicial hearings.

5A. Fees for update valuation

For all update valuations carried out under the Malaysian Valuation Standards published by the Board, the fees payable shall be at a minimum of 15% of the appropriate scale of fees or RM400 per property, whichever is higher.

5B. Fees for revaluations

For revaluations carried out under the Malaysian Valuation Standards published by the Board, the fee payable shall be a minimum of 30% of the appropriate scale of fees or RM400 per property, whichever is higher.

5C. Fees for Retrospective Valuations

Fees up to ten times the scale fees may be charged, depending on negotiations with the client.

However, such valuations shall not apply to land acquisition valuations.

Such valuations must be retrospective to at least 5 years from the current date.

6. Additional Claims.

In addition to the fees stated in (1) to (5C) claims may be made for :

  1. The cost of printing, plans, copies of documents, lithography travelling and other expenses actually incurred;
  2. A fee of RM 150 per hour or RM 800 per working day of 8 hours for negotiations, attendance at meetings with solicitors, consultants or authorities;
  3. A fee of RM 200 per hour or RM 1000 per working day of 8 hours for giving evidence before judicial bodies;
  4. Additional fees can be charged to the client for additional works done in preparation for negotiations and court attendance.

Note :

  1. The fees stated in items 6(2) and 6(3) are chargeable for actual appearance at meetings or before judicial bodies. In the case of postponements, adjournments, etc, (where less than 24 hours notice is given) a minimum fee of RM 400 is chargeable if the meeting or judicial appearance is in the same town/city as the location of the practice and a minimum fee of RM 800 is chargeable if the meeting or judicial appearance is outside the location of the practice.
  2. The claims and fees stated in item 6(1) to 6(4) with respect to land acquisition valuations shall not be claimed against the land administrator.

B. Property Management

An annual fee based on:

5.0% of the gross annual rent on the first RM30,000
3.0% of the gross annual rent on the residue up to RM 100,000
2.0% of the gross annual rent on the residue over RM 100,000

* The fee is applicable to each holding. The expression ‘holding’ as used here has the same meaning as defined in Section 2 of the Local Government Act 1976.

The expression ‘gross annual rent’ means the rents reserved or deemed to be reserved by the lease or lettings plus any incidental receipts collected or accounted for or both in the course of management.

Minimum fee : As above subject to a minimum fee of RM50 per month.


In addition to the above, claims may be made for-

  1. The cost of printing, plans, copies of documents, lithography, travelling and other expenses actually incurred;
  2. A fee of RM 150 per hour or RM 800 per working day of 8 hours for negotiations, attendance at meetings with solicitors, consultants or authorities;
  3. A fee of RM 200 per hour or RM 1,000 per working day of 8 hours for giving evidence before judicial bodies.

Note :

The fees stated in items (2) and (3) are chargeable for actual appearance at meetings or before judicial bodies. In the case of postponements, adjournments, etc. (where less than 24 hours notice is given), a minimum fee of RM 400 is chargeable if the meeting or judicial appearance is in the same town/city as the location of the practice and a minimum of RM 800 is chargeable if the meeting or judicial appearance is outside the location of the practice.

C. Estate Agency

1. Sale or Purchase

  1. Land and Buildings (Maximum fee of 3%)
  2. Fees for other services such as joint venture, sale of company, property swaps, etc. (Maximum fee of 3%)
  3. Chattels including Plant and Machinery (10 % of the proceeds)

Minimum fee : As above, subject to a minimum fee shall be RM1,000 per property.

The above scale applies to any sale or purchase by way of private treaty, tender or any other mode of disposal or acquisition.

For Sale and Marketing of projects by registered estate agents, the fees are to be agreed between the estate agent and the client.

The above scale of fees shall not apply to the sale of foreign properties in Malaysia or sale of Malaysian properties in foreign countries.

2. Lettings

Duration of TenancyMaximum (Fee equivalent too)
Up to 3 years1.25 months gross rental
Exceeding 3 years up to 4 years1.50 months gross rental
Exceeding 4 years up to 5 years1.75 months gross rental
Exceeding 5 years1.75 months gross rental
Exceeding 5 years
(without option for renewal)
1.75 months gross rental
Exceeding 5 years
(with option for renewal)
1.75 months gross rental plus 0.25 months rental for every additional year

Minimum fee : As above subject to a minimum fee of 1 month rental.

For tenancies less than one year, the fee may be calculated on a pro rata basis. The above scale shall not apply to serviced offices or apartments or any other premises of a similar nature.

3. Rent Reviews – 50 % of the fees chargeable under lettings

4. Additional Claims

In addition to the fees stated in items 1 to 3, claims may be made for:

  1. the cost of printing, plans, copies of documents, lithography, travelling (only where the distance between the estate agent’s office and the property is more than 40 km) and other expenses actually incurred;
  2. the cost of media advertisements, signboards, brochures and other promotional material.

Note : The above additional claims may not be incurred by the registered estate agent without the prior concurrence of the client.

Makcik Saadiah dan Balai Polis Gerik

Sambungan cerita Mak Cik Saadiah….



Untuk memastikan ada kesinambungan cerita, atok papar balik episode pertama…diikuti oleh cerita seterusnya….

Kisah Mak Cik Saadiah yang meruntun jiwa…

Atok pernah bertugas di Gerik sebagai Ketua Polis Daerah dari tahun 1995 hingga 2000…di situlah tugas terakhir atok dalam PDRM sebelum bersara.

Masa mula2 sampai di Gerik atok selalu melihat seorang perempuan tua mengayuh basikal datang ke balai, tiap hari dia datang, tak miss. Antara jam 10-11pagi sampailah dia. Dia kurang bercakap tapì banyak ketawa…dia menegur semua anggota polis yang dia jumpa sambil melempar senyuman atau ketawa kecil. Anggota pun semua dah kenal dia dan saling bergurau dengan dia.

Mak cik ni kalau datang mesti bawak satù bungkus nasi…dia masuk ke dalam balai, letak nasi tu kt Enquiry dan terus balik. Kadang dia bawa gula2 dalam poket bajunya, dia bagi kt anggota perempuan yang sedang bertugas di situ…

Anggota pun suka menyakat2 dia dan dia ketawa terbahak2…mesra sekali nampaknya.

Mula2 atok tak kisah sangat dengan perempuan tu…atok fikir dia ada anak atau sedara di balai…tapi bila melihatnya datanģ setiap hari tanpa miss, terpanggil jugak atok nak bertanya siapa dia, buat apa dia datang…

Jawapan anggota atok…”Dia tu tak berapa betul tuan. Tiap hari dia datang bawak nasi…dia letak kt balai dia balik. Kami tak makan pun nasi tu, selalu beri kucing je. Dalamnya ada nasi, ada lauk sikit, kadang ada ikan masin atau pucuk kayu…dah berpuluh tahun dia buat begitu…Rumahnya kt Kuala Kenderong kira2 4km dari balai.”…

Berpuluh tahun??….atok fikir mesti ada sebab dia buat begitu. Mengapa harus seorang perempuan tua umur 60an, sanggup datang ke balai setiap hari, mengayuh basikal basikal hampir 10km semata2 untuk menghantar sebungkus nasi…dan dah berpuluh tahun lamanya.

Atok pun selidik lagi dengan anggota atok orang2 lama kt balai tu…jawapan mereka amat mengejutkan atok…

Namanya Saadiah, umur 60an, tinggal di Kuala Kenderong bersama seorang anak lelaki yang belum kawin dan tak berkerja.

Makcik Saadiah sebenarnya ialah balu kepada MMT 5244 Mat Alias bin Nik Daud, pernah bertugas sebagai boatman di IPD Gerik tahun 70an….dia mati dibunuh oleh pengganas komunis semasa menjalankan tugas pada 28 Aug 1975…..

Kisah bermula pada pagi 28 Aug 75… 4 orang anggota Polis bertugas sebagai boatman bernama Wan Marzuki, Abdul Manaf bin Akob, dan dua orang lagi kedua2nya bernama Yeop telah ditugaskan untuk menghantar ration menggunakan bot ke kawasan operasi di sekitar Banding……selepas semua persiapan diaturkan, mereka berempat bersedia untuk bertolak.

Namun pada pagi itu sebelum mereka bertolak, isteri MMT Abdul Manaf bin Akob yg sedang sarat mengandung telah datang ke balai. Dia merayu kepada ketua supaya suaminya tidak dihantaŕ untuk tugas tersebut…katanya dia sarat mengandunģ, bila2 masa akan bersalin. Tapi MMT Abdul Manaf tetap hendak pergi juga…itu adalah tugas yang perlu dilaku…Isterinya terus merayu dan menangis, meraung sambil memeluk erat kedua2 kaki suaminya tak membenarkan dia pergi….Maka OCS tiada pilihan… dia mencari seorang pengganti……dan malang bagi MMT Mat Alias, suami kepada Mak Cik Saadiah, dia dikerah untuk mengambil tempat MMT Abdul Manaf. Lalu pergilah mereka berempat untuk melaksanakan tugas yang memakan masa 3-4 hari.

Perjalanan dengan bot dari Gerik ke Banding perlu melalui keadaan sungai yang berliku2, airnya kadang dalam, kadang cetek, kadang deras, kadang perlahan…. Disepanjang perjalanan pula melalui hutan belantara, bermakna amat berisiko tinggi untuk diserang-hendap oleh pengganas Komunis yang sentiasa berkeliaran dalam hutan di situ…

Selepas beberapa jam perjalanan dengan, mereka tiba di suatu tempat di kawasan Banding, di mana keadaan airnya sangat cetek dan bot tidak boleh lepas. Maka mereka berempat terpaksa turun dari bot dan menolaknya sekuat hati bagi melepasi kawasan cetek itu……tiba2mereka diserang hendap……

Sesungguhnya tak siapa yang tahu apa sebenarnya telah berlaku, kerana tak seorang dari mereka telah selamat untuk menceritakannya. Namun anggota2 polis dalam sebuah lagi bot yang berada berhampiran tempat itu menceritakan mereka mendengar bunyi tembakan senjata api yang bertalu dari satu gerombolan yang sgt ramai.

Yang nyata mereka berempat telah diserang hendap oleh pengganas Komunis
Keempat2 mereka gugur ditempat itu juga, tetapi mereka tetap melawan dan membalas tembakan hingga ketitisan terakhir. Kedua2 anggota yang bernama Yeop ditemui penuh dengan kesan tembakan, mayat mereka turut dikerat2 dan dimutilasikan. Mayat Wan Marzuki pula ditemui agak jauh dari situ dengan kecederaan tembakan di kaki.

Mayat MMT Mat Alias, suami Mak Cik Saadiah ditemui tanpa kesan tembakan, tetapi dia telah disembelih oleh pengganas Komunis dan badannya digantung kepada bot, dipotong2, kemaluannya disumbat kedalam mulut…amat kejam sekali puak Pengganas Kominis durjana….

Berbalik kepada cerita Mak Cik Saadiah, pada pagi kejadian dia tidak tahu bahawa suaminya telah dihantar ke kawasan operasi. Maka saperti biasa, di rumah dia masak nasi dan kemudian bungkuskan…kayuh basikal pergi ke Balai, untuk hantar makanan tengahari kepada suami tersayang. Itu adalah routine beliau setiap hari. Apakan daya, pada pagi berkenaan suaminya tak sempat menjamah nasi yang dimasaknya…

Hati mana yang tak hancur bilamana dia dapat tahu kemudian bahawa suami tersayang telah mati dibunuh komunis, lehernya disembelih, kemaluannya dikerat dan disumbat ķe dalam mulut…

Kisah bersambung….

Sambungan cerita Mak Cik Saadiah…

Selepas mendapat maklumat terperinci mengenai Mak Cik Saadiah, atok buat kesimpulan…Mak Cik Saadiah bukan orang tak betul, bukan orang gila…dia òrang baik, seorang yang sangat cintakan suami, seorang yang merasa dirinya sebahagian dari PDRM….sebenarnya dia seorang yang mengalami trauma yang berpanjangan…hingga sanggup mengayuh basikal 10km setiap hari selama berpuluh tahun, seolah2 suaminya masih hidup. Anak cucunya menegah dia dari berbuat demikian tapi dia tetap bertekad menganggap Balai Gerik macam keluarganya….betapa suci dan murni hati Mak Cik Saadiah…

Justeru atok memanggil mesyuarat di kalangan pegawai dan anggota atok…atok taklimatkan betapa perlu kita beri perhatian dan penghargaan kepada orang2 lama yang telah berjuang untuk negara dan memperhitungkan nyawa mereka untuk kepentingan keselamatan dan keamanan…dan betapa banyak wira2 telah terkorban, yang cacat seumur hidup…dan lebih banyak lagi ahli2 keluarga Pasukan yang menjadì susah dan trauma selepas kehilangan tempat bergantung….seorang darinya ialah Mak Cik Saadiah.

Atok arahkan pegawai dan anggota supaya tidak lagi menganggap Mak Cik Saadiah sebagai orang tak betul…berikan layanan yang baik kepadanya, hulurkan bantuan jika perlu…Dari segi kewangan Mak Cik Saadiah agak selesa sebab dia punya pencen peninggalan bekas suaminya.

Selepas mesyuarat, atok panggil Mak Cik Saadiah ke Balai …atok hadiah kepadanya sebuah basikal baru yang dibeli dengan duit sendiri…

Tak banyak yang atok dapat atok lakukan untuk beliau semasa berkhidmat di Gerik…Namun selepas bersara, atok dan uwan berkesempatan pergi semula ke Gerik untuk melihat keadaan Mak Cik Saadiah….dia masih sihat.

Masa kami tiba di rumahnya, Mak Cik Saadiah telah keluar ke halaman …mula2 dia agak enggan menerima kami…dia memang kurang mesra dengan orang yang dia tak kenal…dan dia tak mengenali atok…mungkin dah lupa. Atok bagi tau…

“Saya dari balai…datang nak jumpa Mak Cik…kita dulu kawan…”

Mendengar perkataan Balai Mak Cik Saadiah terus berubah menjadi mesra…dia menghulurkan tangan menyambut kedatangan atok dan uwan. Cara dia bersalaman pun unik…ada tepuk tampar…mula2 tepuk belakang tangan, kemudian tepuk tapak tangan, tepuk balik belakang tangan beberapa kali…mesra betul dia…

Atok perhatikan Mak Cik Saadiah walau masih sihat, tapi dia dah mùĺa dimamah usia dan kurang cergas. Namun dia tetap masih mampu berulang alik ke balai naik basikal…dia melakukannya tanpa jemu walau dah lebih 40 tahun…

Rumahnya pula terlalu usang hampir menyembah bumi…anak cucunya memujuk beliau supaya buat rumah baru…tapi dia enggan. Katanya itu rumah dia bersama arwah…dia tak hendak berpisah dengan rumah itu…itu adalah kenangan abadi buatnya bersama arwah suaminya…

Selepas mengunjungi Mak Cik Saadiah atok terus mengunjungi rumah Tok Ketua Kuala Kenderong, nama Hj Rashid…kebetulan beliau adalah bekas anggota atok yang sudah bersara, dia juga adalah bekas pemandu atok. Kami memang rapat dari dulu…atok meminta Tok Ketua Hj Rashid membawa kes Mak Cik Saadiah ke peringkat JKK Daerah Gerik, jika perlu ke peringkat JKKN Perak…cuba dapatkan bantuan rumah baru untuk Mak Cik Saadiah…

Balik ke rumah atok terus buat posting dalam fb mengenai kisah sedih Mak Cik Saadiah….serta merta cerita atok menjadi tular. Cerita atok juga kemudian sampai ke pengetahuan pemberita…mereka memuat naik cerita atok dalam akhbar tempatan…maka lebih tularlah ia…

Mengenai rumah baru untuk Mak Cik Saadiah, usaha Tok Ketua Hj Rashid memang tak sia2…akhirnya pihak Kerajaan Negeri Perak mengeluarkan belanja untuk mendirikan sebuah rumah batu untuk Mak Cik Saadiah… Alhamdulillah…terima kasih Pak Chu Rashid…hang sungguh baguih, tak sia2 depa lantik hang jadi Tok Ketua…

Kelmarin atok berhubung dengan anggota2 polis di Gerik…mereka kata Mak Cik Saadiah masih ada, tapi dia dah uzur, dah beberapa tahun berhenti dari mengayuh basikal ke Balai…

Moga Mak Cik terus sihat dan menikmati ketenteraman, kedamaian dalam meniti hari2 tua…Aamiin.

Atok bengang bila mengingatkan kezaliman dan kedurjanaan Komunis…

Atok bengang orang sekarang dah mula lupa kejahatan Komunis…

Atok bengang ada orang, ter masuk orang Melayu cuba menganggap Kominis sebagai wira negara…Lebih bengang bila orang yg sama dilantik menjadi Menteri Pertahanan…tambah bengang bila suku sakat PKM dilantik timbaĺan menteri…mulalah mereka mengenakan uniform seakan2 uniform PKM di majlis rasmi…

Apa nak jadi dengan rakyat kita kini, bangsa kita ķini dan negara kita kini….Apa nak jadi….???

Anak cucu Mak Cik Saadiah turut menjadi rapat dengan atok sampai sekarang…mereka pernah datang mengunjungi rumah atok di Kuala Selangor …

Coretan oleh
Zahriman Alias
16 Jan 2021.