ANALISA KRISIS DALAM PENDAMIK

Suasana cukup sayu sekarang ni..

Ekonomi sedang teruk digasak oleh tekanan ancaman kesihatan kerana covid 19.

Gandingan yang cukup mengerikan. Tak pernah lagi dalam memori sejarah negara kita diserang 2 army dalam satu masa.

The invincible army dan recession army.

Tadi dapat info desas desus bakal diadakan PKP Total Lockdown bakal diadakan minggu depan jika keadaan tidak berjaya distabilkan.

Bagi mereka yang dah dapat signal ini semenjak awal tahun lepas. Dah mula menyusun langkah untuk kemaskan kewangan kerana boleh nampak, ianya bukanlah satu pandemik yang bersifat jangka pendek kesannya.

Teringat sewaktu video suara saya viral satu masa dulu tentang “Moratorium is just a word, jangan buat panic buying, start buat panic saving”

Dikala masih awal pandemik dan rakyat masih belum tahu potensi sebenar makhluk tak nampak bernama covid 19 ni.

Bila kita banyak membaca, buat kajian, rujuk artikel dan penuisan ekonomi, maka banyak lah input yang kita dapat dan boleh rumuskan.

Namun rata2 yang saya terima ketika itu ialah kecaman, tomahan dan ejekan pasal cuba timbulkan panik suruh orang menyimpan.

“macam mana ekonomi nak bergerak bro kalau semua simpan?”
Duit aku, aku punya hal lah.
Ini gila, orang nak pakai duit skang, dia suh simpan pulak!

Hmmmphhhh…. Saya baca je dengan penuh tenang dan takde selera nak balas pun. Maybe mereka tak nampak apa yang kita nampak.

Adalah yang saya balas sikit je,

Saving = Jimat Cermat (bukan sahaja bermaksud simpan)

Nanti bila dah nampak iaitu sekarang, barulah tahu kenapa kempen tersebut di mulakan.

Pertahanan ekonomi paling kuat seorang individu ialah simpanannya ketika ini..

Kenapa kita tengok ada setengah orang nampak tenang dan steady je lalu masa sekarang yang cukup mengerikan kewangan, kerana mereka punyai simpanan yang solid.

Dikala perlu, tabung simpanan yang di”lupa”kan selama ini diseru kembali untuk topup dan bantu mana yang tiris.

Strategi saya, tahun lepas saya jual @ liquidate beberapa property saya masa ekonomi belum turun lagi.

Kerana hasil kajian saya, jika pandemik ini tak selesai, maka akan ada impak kepada:

  1. Market sewaan.
    Sewaan shoplot, hometay, sublet akan terasa sangat kerana norma dan limitasi baru ini.
  2. Purchasing power
    Kuasa membeli akan lemah kerana nak cover keperluan lain, jadi hasil untung jual rumah boleh jadi “panic button reserve” saya bila diperlukan.
  3. Holding power
    Ramai individu household akan mula terkesan dan akan rasa tak dapat bertahan dengan suasana semasa. Jadi memilih untuk survive dulu dari bayar loan rumah.
  4. Keperluan mendesak menjual
    Dalam keadaan sekarang, nak jumpa deal below market value 20% tu normal. Malah 30% pun senang jumpa. Apetah lagi kalu pandai nego, dapat sampai 40% below harga pasaran.

Malah bukan sahaja dipasaran subsale, pemaju pun turut sama dalam gerakan jual below market value ini demi menghabiskan stok inventori yang masih ada.

Tambahan pakej 0 deposit, free stamp duty dan sebagainya dari pemaju, menjadikan pasaran lelong skang tak berapa menarik.

Mana taknya jika kita boleh dapat rumah baru, pada harga lelong semasa, dengan bayaran awal rendah, kan lagi menarik tu.

Bagi para investor, memang tengah best sekarang cari deal2 yang handsome untuk investment.

Kalau rasa xnak terima offer investor, kut mana pun rumah masih akan kena lelong kalau tak boleh bertahan untuk bayar.

Jadi, apa pilihan yang ada dalam suasana macam ni.

Kepada yang dah bersedia, maka tak terasa. Kepada investor yang dah ready modal, memang tengah indah buat pilihan.

Tapi, dari satu sudut lain, sayu perasaan memikirkan mereka yang skang ni satu peringkat buntu terus mencari jalan keluar.

Rakan2 di sektor pelancongan, sme, business besar mahupun kecil, sektor pendidikan, sama2 kita usahakan dan doakan Allah bagi ilham yang terbaik untuk keadaan sekarang ini.

Allah yang mengizinkan dugaan, Maha Suci Allah juga kita mohon berikan idea dan ilham jalan keluarnya.

Tambah lagi, rakan2 saudara mara kita yang kena kesan banjir teruk sebelum ni..

Satu kombinasi dugaan yang cukup hebat yang sesuai dengan kadar keimanannya.

Ekonomi + Pkp + SOP + Banjir + Hilang kerja / bisnes

Satu kombinasi yang tak pernah berlaku dalam sejarah kita.

Sudah tentu ada rahsia dan hikmah BESAR yang Allah sediakan disebalik setiap keizinanNYA untuk berlaku.

Kita, terus tabah dan sabar melalui dan mencarinya.

Sir Erman Taib

IQI iRealty Team

Pendamik vs Krisis Ekonomi

linktr.ee/rahimhartanah

Apabila kewangan bergoncang, 1st strategi fokus kita ialah:

Analisa kedudukan kewangan semasa

Scan dan buat “financial check up” dulu nak tahu keadaan kesihatan kewangan semasa kita.

Bila dah buat checkup, maka kita dapat kenalpasti financial bleeding atau financial damages yang berlaku.

Then kita akan mula mencari ubat kewangan @ “financial remedy” yang sesuai.

2nd strategi,

Kita susun strategi nak fokus sudut mana

Naikkkan Pendapatan atau Kurangkan Belanje @ Hutang.

Baik, malam ni, luangkan masa kita belajar dengan legendary jemputan saya kali ini.

Tuan Zaidi Ismail..asyik jemput dia cite pasal strategi kurangkan hutang je selalu kan, kali ni kita jemput dia share strategi bina pendapatan pulak…

X rugi dengar dan belajar strategi org lain buat duit masa2 penuh cabaran ni..

Lagi best, dengarnya abg zaidi kita siap nak bagi ebook free lagi malam ni…

Aluhhhhhh… Jom gais… Saksikan sharing malam ni 9.15pm.

Daripada Facebook

Sir Erman Taib
IQI iRealty Team

https://www.facebook.com/1505918418/posts/10225102411296517/

Semoga bermanfaat.

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.

https://www.propertyguru.com.my/property-guides/kos-jual-rumah-apa-yang-perlu-dibayar-26976

WHAT IS HOUSING LOAN ?

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

HOUSING LOAN CALCULATOR

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.

RINGGIT PLUS

https://ringgitplus.com/en/personal-loan/?utm_source=google&utm_medium=cpa&utm_content=293084224020&utm_term=loan%20ringgitplus&utm_campaign=my-s-gen-gen-dpm&gclid=CjwKCAiA6aSABhApEiwA6Cbm_xUGq1E4aldc_XSiMTaERY41ZkgwIJOprDEk1rWBNZx81dqqwY-G2hoCmZMQAvD_BwE

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

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

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/

#iqiglobal #juwaiiqi #realestate #property #realestateagent #explorewithIQI

CAN WE SURVIVE 2021 ?

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:

LPPEH

FEE’S – SEVENTH SCHEDULE (RULE 48)

A. Valuation

1. FEES PAYABLE BY THE LAND ADMINISTRATOR UNDER THE LAND ACQUISITION ACT FOR VALUATION REPORTS.

From (RM)To (RM)Fees (RM)
150,0001,500
50,001500,0002,500
500,0011,000,0003,500

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 (%)
1,000,0012,000,0006/25%
2,000,0017,000,0005/25%
7,000,00115,000,0003/20%
15,000,00150,000,0003/50%
> 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.

2. FEE FOR CAPITAL VALUATION FOR SUBMISSION TO SECURITIES COMMISSION, THE CENTRAL BANK OF MALAYSIA AND PLANT AND MACHINERY VALUATION SERVICES.

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.


3. FEE FOR OTHER CAPITAL VALUATION/RATING VALUATION SERVICES BASED ON AN “IMPROVED VALUE” BASIS.

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.


4. FEE FOR RENTAL AND RATING VALUATION SERVICES.

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.


5. FEE FOR MASS VALUATION SERVICES FOR LOCAL AUTHORITIES.

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.

ADDITIONAL CLAIMS

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.

KRITERIA RINGKAS JUAL RUMAH

BUANG EMOSI


✓Ramai pemilik ada nilai sentimental dengan rumah yang nak dijual. Mereka dah duduk lama di situ, dah ubah suai rumah dan lihat anak-anak mereka membesar.

✓Ini boleh jadi halangan semasa penjual nak tetapkan harga rumah.

✓Mereka tetapkan harga terlalu tinggi dan gagal menjual.

✓Atau jika rumah tu pernah beri kesan emosi negatif…

✓Mereka letak harga terlalu rendah dan akhirnya tak dapat apa yang patut mereka dapat.

✓Bila nak tentukan harga, anda kena berlapang dada dan buang emosi terlebih dahulu.

✓Ini kerana rumah anda akan bersaing dengan ratusan rumah lain dan emosi boleh menggagalkan jualan.

✓Bila anda dah buat langkah ni, barulah anda boleh tentukan harga rumah berdasarkan harga pasaran dan permintaan.

Semoga Bermanfaat.

Terima Kasih

PR1MA penuhi impian

PR1MA penuhi impian

APABILA membicarakan mengenai topik membeli rumah idaman, pasti ramai yang mengeluh terutama golongan muda.

Apa tidaknya, dengan keadaan ekonomi yang tidak menentu seperti sekarang harga rumah di negara ini masih dianggap terlalu mahal dan sukar untuk dimiliki golongan muda khususnya generasi Y.

https://www.hmetro.com.my/PnP/2021/01/664266/pr1ma-penuhi-impian

5 THINGS NEED TO DO TO DOWNSIZE YOUR HOME

Statistics have shown that the % of downsizing a home has increased, and you might be needing one in the future! 💭

If you are looking to downsize your home, designing your home for different stages of life is a must. Click and find out the other 4 more things you need! 🏘️
➡️ https://www.iqiglobal.com/blog/downsizing-your-home-here-are-5-things-you-need-to-do/

From IQI GLOBAL

UKURAN RUMAH

Unit ukuran panjang secara umumnya terbagi kepada 2 jenis iaitu:-

  • Imperial – Inci, kaki
  • Metrik – meter

Di Malaysia majoriti pengukuran adalah menggunakan unit metrik, dan pelajar di sekolah juga diajar menggunakan unit metrik.

Walau bagaimanapun apabila memperkatakan ukuran rumah, biasanya ramai orang menggunakan unit imperial iaitu kaki.

Contohnya:-

  • Luas lot rumah : 20 kaki x 75 kaki
  • Luas tanah : 5,000 kaki persegi
  • Tinggi lantai ke siling : 12 kaki
  • Keluasan rumah : 1,000 kaki persegi
  • Saiz pintu : 3 kaki x 7 kaki

Unit imperial masih diguna pakai kerana ianya dapat memberikan ‘gambaran’ ukuran lebih jelas kepada orang ramai, ini adalah kerana ukuran ini boleh dibandingkan dengan bahan-bahan binaan rumah seperti:-

  • Tile lantai biasanya datang dalam ukuran kaki
  • Saiz siling biasanya 2 kaki x 4 kaki atau 4 kaki x 4 kaki
  • Saiz pintu bilik 3 kaki x 7 kaki
  • Dan pelbagai ukuran binaan yang lain dibuat berdasarkan ukuran dan gandaan unit imperial.

Ukuran rumah dalam unit matrik dan imperial
Selain itu pengukuran dalam unit imperial biasa tiada titik perpuluhan kerana saiz ukuran adalah kecil, 1 kaki = 0.3048 meter, berbanding ukuran meter yang lebih panjang.

Perbandingan dan pertukaran ukuran imperial dan matrik adalah seperti berikut:-

1 inci = 2.54cm
12 inci = 1 kaki = 30.48cm atau 0.3048 meter
1 meter persegi = 10.764 kaki persegi
Contoh pengiraan:-

Contoh 1: Rumah dengan luas 1,000 kaki persegi di tukar kepada unit imperial.

1000 ➗ 10.764 = 92.902 meter persegi

Contoh 2: Ukuran lot rumah teres 20 kaki x 75 kaki

20 x 0.3048 = 6.096 meter, 75 x 0.3048 = 22.86 meter

Daripada perbandingan dua contoh di atas, kita dapati penggunaan unit imperial (kaki) lebih mudah memberikan gambaran dan angka yang digunakan adalah intiger (nombor bulat).

LHDN – INFO

LHDN MAKIN AGRESIF

Musim pandemik Covid ni banyak bantuan kerajaan telah disalurkan kepada orang ramai, dan akan perlukan lebih banyak lagi duit untuk kegunaan awam secara berterusan. Namun dari mana kerajaan nak dapat sumber kewangan. Antara sumber utamanya adalah dari Cukai Pendapatan dan Perniagaan.

Jadi kerajaan dah seru kepada LHDN untuk tingkatkan keberkesanan kutipan cukai. Dengan kata lain, meminta bertindak lebih agresif kesan segala pelarian cukai.

Mengikut kes-kes yang firma kami terima dari dulu dan agak banyak kebelakangan ini, boleh kami simpulkan modus operandi kerja LHDN untuk tujuan itu adalah:

1. Mengesan pemilik kenderaan berharga RM150k ke atas dan ‘cross check’ dengan data pengisytiharan cukai, samada sesuai atau tidak amaun pendapatan atau keuntungan perniagaan yang dilaporkan. Mereka ada sistem profiling yang link dengan JPJ, sekali letak nombor plate kereta, akan keluarlah nama pemiliknya.

2. Mengesan pembelian rumah, tanah, dan lot kedai atau kilang. Maklumat ini mereka boleh tahu langsung dari sistem LHDN kerana perjanjian jual beli hartanah ini perlu stamp hasil di kaunter LHDN.

3. Mengesan pemilikan saham yang besar di Bursa Saham dan syarikat Sdn Bhd. Pemegang saham yang besar terutama individu akan dikueri untuk nyatakan sumber pendapatan memperolehi wang pembelian saham tersebut.

4. Menyemak penerima tender-tender kerajaan, badan berkanun, dan agensi kerjaan seperti DBKL, MBSA, MPJB. Biasanya ni semakan dibuat ke atas syarikat Sdn Bhd mahupun syarikat PLT dan entrpise yang terima kontrak projek melebihi RM100k. Kalau yang cecah jutaan tu apatah lagi, jadi sasaran utama. Amaun keuntungan dan cukai bisnes yang meragukan akan diaudit dan disiasat. Kalau langsung tak hantar borang cukai lagi lah masak kena cukai anggaran yang besar.

5. Merisik peniaga2 online. Iklan-iklan yang nampak rancak dan dipaparkan juga sambutan hangat dengan pembungkusan produk yang banyak di media sosial akan jadi sumber semakan. Ada pegawai audit yang jadi pembeli produk dan cross check nama bisnes atau individu penjual.

6. Menyemak peniaga-peniaga yang tunjukkan kejayaan di media sosial. Dapat anugerah, dapat hadiah pencapaian jualan, dapat naik pangkat bisnes MLM, dapat buka cawangan, dapat buka kilang, dapat tiket pelancongan. Posting tersebut akan di ‘screenshot’ dan dijadikan bahan bukti untuk diaudit.

7. Menyemak pelepasan-pelepasan cukai individu yang dituntut di dalam borang cukai. Contoh seperti bayaran zakat, penyata insurans, pembelian komputer, yuran Gymnasium, dan lain-lain akan diminta bukti resitnya atau penyata. Kalau tiada bukti, cukai akan ditambah beserta 45% penalti.

Jadi ni sahajalah saya kongsi beberapa cara pengesanan standard yang sedang dan akan dilakukan oleh LHDN untuk pengetahuan dan kesediaan semua. Ada lagi beberapa caranya, cuma panjang sangat nak taip sini 🙃

Yang mana sudah isytihar cukai dengan betul, tiada apa yang perlu dirisaukan. Yang penting simpan dan rekod semua resit belanja bisnes bagi peniaga dan syarikat, serta bukti pelepasan cukai individu yang dituntut selama 7 tahun lamaaanya. 🤓

Sekain,

Credit to :-
M.Husainy
MHM ASSOCIATES
Penjentik kesedaran cukai