Welcome to JJ-Property , feel free to like this page to gain your property knowledge . It Will Be In
Bukit Beruang Freehold Terraced House For Sale
Property Details:
-Freehold
-Quiet Street With Facing MMU Recreation Area
-Ample Parking Places
-3,000sf Fully Renovated Built Up
-Fully Furnished
RM498k (negotiable)
Buy & Move In Now!
Call JJ 016-6767639
【Corner Shop Lot For Sale @ Equine Park】
"A Prime Commercial Area Nestled In Prominent Township"
【Fact Sheet】
- Fully Occupied (Ready Tenants)
- Facing Main Road
- Limited Corner Unit (4 Storeys)
【Reason Of Investing】
- Link to MEX Highway (Newly Completed)
- Beside 2 Banks (Public Bank & Maybank)
- 800m to Aeon Equine
- 900m to Alice Smith INT'L School
- Easiest Access of Whole Equine Park
Call JJ Liau
016-6767639
【Whole New THEME HOTEL For Sale】
- BESIDE OF MELAKA NEW COASTAL HIGHWAY
"Don't Buy The RM300 Bag To Have Nothing In It, Buy The RM10 Bag And Have RM290 On It!"
【JEWELS HOTEL @ KOTA LAKSAMANA MELAKA】
- Completed
【FACT SHEET】
- Lot Size : 13,600 sqft
- Building Height : 8 Storey High
- Total Number Of Rooms : 96 Rooms
- Car Parking : 47 Bays
【WHY IT'S WORTH TO BUY?】
- Located In The Heart Of Melaka (Kota Laksamana)
- Hotel With Unique Theme
- Flying Start Area In Recent Year
CALL ME IF YOU'RE READY TO EARN!
---016-6767 639 JJ Liau
REGISTRATION FORM:
http://goo.gl/forms/WmCNIruzGh
"Buy with CONFIDENCE, Sell with SUCCESS!”
【NEW DNA IN Mont Kiara】
Buying a LUXURY house doesn't mean paying MORE money!
---ONLY 20K TO OWN A PRE-LAUNCHED PROPERTY
Landmark'll LEAD you the way home!
---PROPERTY LOCATED IN KL METROPOLIS
NO Car, NO Problem!
---WALKING DISTANCE TO COMFIRMED MRT STATION
【PRE-LAUNCH】
SERVICE APARTMENT @ MONT KIARA
~From 390k
~Walking Distance to MRT
~No GST
~Free Carpark
~Free Property Fees
~High Rental Return
~Unique Design/ Concept
GRAB THE LIMITED UNITS FOR PRE-LAUNCHED
*LOWEST SELLING PRICE
*MOST BENEFICIAL PACKAGE
*EARLIEST UNITS CHOICE
If you're READY to EARN, CALL ME!
JJ Liau 011-16277127
Not able to TALK?
Pls fill up the form: https://docs.google.com/forms/d/1qGxFON1gl6S5OmKbPa3pQGRQMJJlg_DkOTrzozPrXiY/viewform?c=0&w=1
LINK: http://www.iproperty.com.my/propertylisting/4137970/solaris-dutamas-condominium-forsale
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在2020年，巴生河流域（Klang Valley）人口预测会从如今的六百万人口增至一千万人口，到时所有巴生河流域的道路将会出现十分阻塞的情况。因此现今建造一个有效的公共交通设备是唯一能避免处处阻塞情况的方法。
“BRT Sunway Line”中的BRT全名为Bus Rapid Transit（巴士捷运），这是马来西亚首个运用巴士捷运系统的交通工具。BRT Sunway Line是个公私合营的一个项目，由Prasarana（公）与Sunway Group（私）所策划并实践，以提供一个更好更完善的交通服务给予处于Bandar Sunway以及USJ的住户与通勤者。
BRT Sunway的成本为6.34亿令吉，当中的70%由Prasarana所资助；另外15%由Sunway Bhd所资助；其余的则由UKAS（Unit Kerjasama Awam Swasta）所资助。该系统采用了在高架轨道上的环保型电动巴士服务并且连通了医院区、 商业区、 购物商场、 大学等领域内的主要领域，此系统预计能为五十万名居民提供服务。此外，据说高架的公交专用车道是东南亚第一高架快速公交系统。
BRT结合了几种方便功能包括了：巴士拥有专用车道、巴士所属为环保公交车、打造客户友好型的基础设备。它也提供了快速方便、成本效益、人口稠密区的综合运输解决方法，是一个可靠的交通设备。
以下为BRT的站口：
SB1: Sunway-Setia Jaya
*Exit paid area halt to KTM Komuter's 2 Port Klang Line
SB2: Mentari
SB3: Lagoon
*300 meter walking distance to Sunway Lagoon theme park and Sunway Pyramid shopping centre
SB4: SunMed
*In front of Sunway Medical Centre
SB5: SunU-Monash
*In front of Monash University. BRT Depot and Multilevel Car Park located beside the station.
SB6: South Quay
*Behind Mydin USJ 1. Near Casa Subang Apartment and Impian Meridian
SB7: USJ 7
*Interchange to Rapid KL's 5 Kelana Jaya Line
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Welcome to J-Prop
By 2020, the population of Klang Valley is expected to grow from the current 6 million to 10 million. Roads in Klang Valley would the be gridlocked if every single trip is on private transport. The only solution to avoid this is to build an efficient public transport system NOW so that the system is in place before it is too late. An efficient transport system can carry more people and uses less space.
The BRT Sunway Line (BRT) is a bus rapid transit and is one and first of its kind in Malaysia. The BRT Sunway Line is a public-private partnership project between Prasarana and Sunway Group to provide a better and integrated transit service for the residents and commuters of Bandar Sunway and USJ.
BRT Sunway costs RM634 million and is 70% funded by Prasarana, 15% by Sunway Bhd and the rest by Unit Kerjasama Awam Swasta (UKAS), a facilitation fund. The system uses eco-friendly electric bus services on elevated tracks and connects major areas within the areas such as hospital, commercial areas, shopping centres and universities. The system is expected to provide services for 500,000 residents. The elevated bus lane is said to be the first elevated BRT in Southeast Asia.
BRT combines the convenient features of a light rail transit system with the usage of dedicated lanes, environmentally friendly buses as well as customer-friendly infrastructure. It will offer fast, cost effective and integrated transport solution in areas that are densely populated and in need of a reliable public transportation system.
BRT Halts:
MSB1: Sunway-Setia Jaya
*Exit paid area halt to KTM Komuter's 2 Port Klang Line
SB2: Mentari
SB3: Lagoon
*300 meter walking distance to Sunway Lagoon theme park and Sunway Pyramid shopping centre
SB4: SunMed
*In front of Sunway Medical Centre
SB5: SunU-Monash
*In front of Monash University. BRT Depot and Multilevel Car Park located beside the station.
SB6: South Quay
*Behind Mydin USJ 1. Near Casa Subang Apartment and Impian Meridian
SB7: USJ 7
*Interchange to Rapid KL's 5 Kelana Jaya Line
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Mont Kiara，位于马来西亚吉隆波西北部中心的一个丰富小镇。这小镇主要包括住宅公寓和办公楼。Mont Kiara坐落在Klang Velly的中心点，邻着Sri Hartamas。从Mont Kiara 到吉隆坡市中心以及梳梆加也（Subang Jaya）或八打灵加也（Petaling Jaya）需大约15分钟的车程。如果使用Srinpt Expressway到TTDI（Taman Tun Dr.Ismail）只需10分钟的车程。
在Mont Kiara里的住宅绝对少不了高级、方便、舒适。在Mont Kiara里，你很轻易就能找到时尚的广场、高档的餐厅、舒适的咖啡厅等娱乐场所。数间国际学校（Garden International School, and the Mont Kiara International School）的存在也使搬迁到此地的外籍人士一直在增加。
接下来我们来看看Mont Kiara的住宅房产：
a）Mont Kiara Palma是当地最早完工的公寓之一，面积约一千五百平方尺的单位，在2003年卖着RM300一平方呎（约RM450千）。直到现今2015年，同样大小的单位已经卖着一百万了（约RM700一方呎）。
b）再来我我们看看另一个较闻名的项目：Publika（Solaris Dutamas），Publika是一个非常成功的混合发展项目（包括了购物广场、办公楼、服务式公寓）。该项目于2005年开始发售，并于2009年完工。当年的发售价位在500千左右的住宅单位，现在已经卖着一百三十万了！
以下为其他当地住宅房产的租金：
The Signature：450平方尺，RM2250／月
Icon Residence： 1200平方尺，RM4500／月
Tiffani Kiara：800平方尺，RM4000/月
＊年租金回酬率约6%-6.5%
从以上的数据来看，Mont Kiara的房地产是绝对值得投资的。但接下来所提及的出租率可能会让大家有种“美中不足”的感觉了。
出租率一直以来无疑是买家最关心的范围之一。从近年来看，Mont Kiara的住宅出租率已从以前的80%降至现今的65%－70%了。
经过分析，以下是导致出租率下降的几个可能因素：
1）供过于求的房产进一步远离了“第一级”地点（Jalan Kiara 1）。
2）有能力在Mont Kiara投资的投资者一般上都不愁出租，加上如果投资者不选择自用，空置着也很正常。
3）Mont Kiara的房产增值率稳定，即使投资者不在乎租金只看重增值率也绝对可以被理解。
请大家分享出去！谢谢！
JJ Liau
Welcome to J-Prop
Mont Kiara, is an affluent township northwest of the city centre of Kuala Lumpur, Malaysia. The township consists mainly of residential condominiums and office complexes. It is located in the heart of Klang Valley, adjacent to Sri Hartamas. Going to downtown Kuala Lumpur, Subang Jaya and Petaling Jaya is a mere 15 minutes drive. While it will take about 10 minutes or less to go to Taman Tu Dr. Ismail from Mont Kiara via the Sprint Expressway.
Mont Kiara has definitely acknowledged its residents need for luxury, convenience, and comfort. Take a quick stroll around the vicinity and you’ll find yourself in the middle of hip and trendy shopping malls, upscale dining restaurants, cosy cafes, and other places of recreation. The rising number of expatriates living in the area has prompted international schools to make Mont Kiara their home, too—just look at Garden International School, and the Mont Kiara International School.
Mont Kiara Property Overview:
Here’s a quick overview on how properties are doing in the Mont Kiara enclave.
a)We look at Mont Kiara Palma, one of the earliest condominiums to be completed in the area. A common unit measures at 1,500 square feet, and it sold for RM300+ per square feet back in 2003. Fast forward to 2015, these units are selling at an estimated price of RM700 per square feet.
b)Again let’s check at another famous project: Publika (Solaris Dutamas), Publiaka is a very successful mixed-development (included shopping mall, office, serviced apartment). It launched in 2005 and completed in 2009. The price of each unit while launching is around RM500k, now it’s already selling approximate RM1.3mil!
Below is the rentals of other residential properties in Mont Kiara:
The Signature：450sq feet，RM2250／month
Icon Residence： 1200 sq feet，RM4500／month
Tiffani Kiara：800 sq feet，RM4000/month
＊Annum Rental Return: 6%-6.5%
Occupancy Rates
Mont Kiara’s (low-ish) occupancy rates have always been a conscientious issue among buyers; we can verify from industry figures that the occupancy of Mont Kiara properties have indeed been on a downward slope. It used to be around 80% a couple of years ago, and has since reduced to around 65-70% in the recent months. This trend could be attributed to the following -
1)Oversupply arising from new properties further away from the “first tier” area of Jalan Kiara 1.
2)Mont Kiara is a hotbed for investors apart from the genuine home buyers which means that units could stay unoccupied for a longer period of time.
3)Capital appreciation is good, and so some investors do not mind not renting the units out.
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JJ Liau
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马来西亚房屋贷款
现今社会上，购买房子的人数已经愈来愈多，这也意味着向银行申请房屋贷款的数量也在不停地增加。今天就通过这篇文章让大家更了解“马来西亚房屋贷款”吧！
---房屋贷款类型
普遍上，常见的房屋贷款可分为住宅贷款和商业贷款。
a）住宅贷款
住宅贷款是房地产贷款中最普遍的一种，其中包括了：排屋、半独立式、公寓、单房公寓、服务式公寓、连排别墅以及SOHO等。
一般上，首两次（手上全无未偿还的住宅贷款）申请住宅贷款的借贷者能享有90%的住宅贷款。
但在大马政府为了制止过度投机活动所导致的国内房价持续上涨的情况下，国家银行限制凡是拥有两个未偿还住宅贷款的借贷者，第三个或接下来的房贷顶限最高只达70%。
特别事项：
1.银行提供的住宅贷款巴仙率相较于一般商业贷款所提供的80%来得高。
2.住宅贷款的期限一般上超过25-30年（至65-70岁）。
b)商业贷款
购买商用物业必须申请商业贷款，那有什么是需要注意的呢？
借贷者必须为欲购买的商用物业申请商业贷款，例如商店、办公室、工厂、服务式公寓、小型家庭办公室（简称SOHO）以及多功能小型办公室（简称SOVO）等。
相比住宅贷款，商业贷款则不受“第三个或接下来的房贷顶限最高只达70%”措施限制，因此许多产业投资者都善于利用这项优势，利用私人公司进行房地产投资。
注意事项：
1.银行提供的商业贷款巴仙率相较于一般住宅贷款所提供的90%来得低。
2.商业贷款的期限一般上少过30年。
3.一些银行会为某些商用产业类型的借款限制，例如提供较低的贷款巴仙率。
---善用EPF买房与供房贷
大多数大马受薪人士工作了几年后，已缴存或累积了一笔相当不错的存款在公积金户头里。不过，一部分人可能对于如何使用雇员公积金（EPF）来购买房屋或缴付房屋贷款只有模糊的概念。
Q1)到底EPF有什么用途？公积金会员又能够如何使用公积金里的存款？
公积金存款分为两个账户，一般称为第一户头和第二户头，第一户头用作会员未来的退休基金，仅允许在55岁后提领；第二户头则可让会员提取，用作购屋或申请念书。
有意向发展商、个人或公共拍卖购买自住房屋者，可向雇员公积金局申请提领。
购屋者可购项目包括独立洋房、排屋、半独立式、公寓、单房公寓、服务式公寓、连排别墅以及SOHO，或者住宅单位的店铺。
当公积金会员提出申请时，必须呈交买卖合约、房屋贷款批准信（除非购屋者是以现款购买房屋，则不必呈交此文件）或贷款融资协议书（loan facility agreement）。
不过，在申请通过以及获得款项前，购屋者必须事先缴付定金和房屋的头期、买卖合约的律师费和印花税，及涉及房贷程序的一切费用，一般上，在申请的当儿，购屋者至少已经获得贷款批准信。
Q2)可以提领多少资金？
购屋者可以提领的金额，胥视第二户头拥有多少资金。
一般上，第二户头的资金可用来缴付买卖合约的屋价与贷款额的差异，外加房价额外的10%。
如果你已获得100%的房贷，那最高只能提取屋价的10%。
若购屋者是以现款购买房屋，便可提领款高达房价110%的数额。
---贷款7技巧
根据国行的报告，2013年末季的房价指数增长幅度萎缩至9.6%，2012年为12.2%。
政府实施的打房政策显然奏效，也为市场带来了正面与负面的影响，当中也对真正需要购屋自住者带来冲击。
贷款难获，成了购屋者实现拥屋计划的最大难题，以下有7项贴士或许能够帮助购屋者减轻打房措施的冲击。
1.保持良好的信贷记录
借贷者须了解其所有的信贷记录都会被输入中央信贷资讯系统（CCRIS）。
中央信贷资讯系统会在每个月的15日更新记录，因此若要保持良好的信贷记录，借贷者必须于每个月的14日之前支付每月供期的款项。
中央信贷资讯系统的运作模式就好比借贷者的信贷报告卡，能够让银行了解借贷者的信贷记录。
2.依据情况以公司或个人名义申贷
这项贴士适用于经营中小型企业的借贷者。借贷者或许会困惑，不知该以公司或个人名义申请贷款，以下的例子可帮助借贷者进行分析。
艾伦是一家小型企业的总裁，并持有公司51%的股份，艾伦每个月可获得一万令吉的董事费。目前艾伦有意在TTDI区域购买价值100万令吉的产业。
情况一：假设公司平均每月的营业收益为10万令吉，艾伦选择以公司名义申请该房屋贷款：
月收入=营业额X行业收入因素（Industry income factor）X持有股份
=10万令吉*10%X0.51
=5100令吉
银行认可的月收入为5100令吉
情况二：如果艾伦选择以个人名义申请房屋贷款：
月收入=董事费/酬金
=%10万令吉
银行认可的月收入为1万令吉
以上的例子说明了不同的情况下，银行认可借贷者的收入标准也会有所不同。
当然，使用公司名义购买房产固然有它的好处，因此借贷者必须根据目前的经济情况来判断最合适的贷款类型。
3.合法文件
倘若借贷者拥有许多产业以及获取租金收入，那绝对是个好消息，因为银行认可借贷者的租金收入为每月的收入之一。
然而，银行只认可仍有效或未逾期的租赁合约，因此借贷者必须确保持有仍有效的租赁合约，以证明每月获取固定的租金收入。
另外，借贷者应确保所有的租赁合约并非在同一天盖章，以免银行起疑。
4.提供资产或财务证明
一般上，多数人都不会炫耀自身的财富及尽量保持低调，以免惹来不必要的麻烦和风险，可是，这样的想法在申请房贷时却是毫无帮助。
相反的，借贷者若希望提高申请贷款的成功率，就必须提供更多的资料以证明本身的财务能力，例如定期存款或投资收益等。
5.联名申请房贷
银行一般会考量借贷者的偿还率（Debt Servicing Ratio，简称DSR），计算出借贷者的还款能力。所谓的偿还率是以总债务付款对收入的比率，或显示偿贷额占收入的比率。
由于偿还率反映了个人的还贷能力，偿还率越低显示偿债能力越好。因此借贷者可考虑联名申请贷款，以减低偿还率并提高成功申请贷款的几率。不过，借贷者必须留意联名申请贷款所涉及的一些条款。
6.向多家银行申请房贷
每家银行都会采取各家的收入与债务计算标准，因此到最后所计算出来的偿还率会有蛮大的差别。
换言之，借贷者可同时向几家银行提交贷款申请，以提高成功申请贷款的机会。
7.资产证明
即使借贷者在申请贷款时被银行告知偿还率已超过90%，仍然有机会成功申请贷款。
目前，大马有几家银行采用以借贷者的资产或未来现金流量为基础的融资方式，称为资产担保型贷（Asset Based Lending，简称ABL）。
借贷者须提供证明所持有的资产总值为100万令吉以上，以符合申请资格。
以上提及的资产可包括无债务的产业（注意：仅是产业市价的70%被计为资产值）、定期存款、股票投资以及其他类型的资产。
不过，借贷者须将其总资产值，扣除申请房贷的两年分期付款的总款项，以及所有无担保贷款款项后，最终的资产额必须至少100万令吉，以便符合这项贷款资格。
总结：
近来贷款批准率下降，银行对贷款的审核更严格，产业市场的购兴下降。
除了面对房价居高不下的问题，购屋自居者也越来越困难申请贷款，本文所提及的7项贴士能够有效地协助购屋者申贷买房。
请将此分享出去！谢谢！
JJ Liau
Welcome to J-Prop
Malaysia Housing Loan
Nowadays, the number of property's transaction is increasing, it also means that the number of applying loan is constantly increasing. Let's get more information from this article "Malaysia Housing Loan"!
--- Types of Housing Loan
Generally, the common housing loans can be divided into residential loans and commercial loans.
a) Residential Loans
Residential loan is the most common type of mortgages, including townhouses, semi-detached, apartment, condominium, serviced apartment, townhouses and SOHO etc.
Borrowers can get maximum 90% loan margin in the first two (no outstanding housing loans) residential loans. The third or subsequent mortgage capped at a maximum of only 70 %.
Precautions:
1. Residential loans are generally higher than commercial loans(more than 80% loan margin).
2. The tenure of residential loans is more than 25-30 years (up to 65-70 years old).
b) Commercial Loans
Borrowers must apply for a Commercial Loans when purchasing a commercial property such as shops, offices, factories, service apartments, small office home office (referred to as SOHO) and small office virtual office (referred SOVO).
Compare to residential loans, commercial loans are not subject to "a third or subsequent mortgage capped at a maximum of only 70%" measures to limit.
Precautions:
1. Percentage of commercial loans offered by banks is much lower compared to 90 percent of residential loans.
2. The tenure of commercial loans is less than 30 years.
--- Use EPF to buy a property & to pay installment
Most of the employees have deposited or accumulated a pretty good fund of deposits in EPF(Employees Provident Fund) accounts after few years worked in Malaysia. However, some people may be wondered about how to use the EPF to buy a house or to pay the installment.
Q1) What is the purpose of EPF? How to use the fund of EPF account?
EPF account is divided into two accounts, commonly referred as the first account and the second account, the first account used for future retirement fund members, only allowed to withdraw after 55 years old; but the second account is allowed members to extract for purchasing property or applying study.
Types of property that buyers can purchase included detached houses, townhouses, semi-detached, apartment, condominium, serviced apartments, townhouses and SOHO or shops.
When EPF members submitting for an application, SPA and housing loan approval letter or loan financing agreement must be submitted (unless cash homebuyers are buying a house, you do not submit this file).
However, before applying and obtaining fund, buyers must pay a deposit in advance of the down payment, legal fees and stamp duty(all costs related to the mortgage program). Generally on the moment of applying, purchaser has at least get a loan approval letter.
Q2) How much fund can be withdrawn?
The amount of fund that could be withdrawn is based on the total amount of the EPF second account.
Generally, the funds from the second account can be used to pay the difference between the purchase price of the property and the loan amount, applied an additional 10% of property price.
If you get a 100% of loan margin for the mortgage, that's only maximun 10% of the property price can be taken.
If buyer is buying a property with cash, then the withdrawn funds can up to 110% of the property amount.
---7 Practices To Beat Property Cooling Measures
According to Bank Negara Malaysia report, the growth in Malaysian House Price Index declined to 9.6 per cent in the fourth quarter last year compared with 12.2 per cent registered a year earlier. While there are certainly pros and cons to this, genuine home buyers could take a hit as a result. If you’re affected by it, here are 7 tips that might be able to help.
1. Be Mindful Of The All Seeing Eye
You should know that all our financial transactions are under the watchful eye of CCRIS. For the uninitiated with CCRIS, do read up about it here. For startes, start clearing all your credit lines by the 14th of every month. You want to have a clear record when CCRIS updates are carried out on the 15th of every month. Understanding how CCRIS works will help you make better actions to ‘beautify’ your credit score which sort of works like a report card, but only for banks.
2. Nothing Personal, Just Business
If you happen to be running a small/medium sized company, this tip is for you. Many are confused on applying for a loan under their company or personal name. Here is an example you can analyze from.
Example:
Adrian is the director of a small company. His holds 51% of shares in the company and pays himself a salary of RM10K a month. Adrian also wishes to splash on a property in TTDI that is going for RM1million.
A) Assuming the company generates an average of RM100k per month in business revenue and Adrian opts to apply for a housing loan under corporate entity.
Monthly Income = Business Revenue*Industry Income Factor*Share Holding of Director
= RM100k*10%*0.51
Recognized Monthly Income By Banks = RM5100
B) If Adrian choose to apply the housing loan under individual entity,
Monthly Income = Director Fees/Salary
= RM10k
Recognized Monthly Income By Banks = RM10k
As per the example above, the recognized income by the bank differs greatly from scenario A and scenario B. Of course the benefits of buying property under your company entity has its benefits too. So tailor this to your current outlook to see which option fits you best.
3. Legit Documentations
Own a few properties and collecting rent? That’s great because a bank recognizes rental income.
What’s not great is that when you’re running on an expired agreement or worse still, with no documentation at all.
If you’re looking to better your credit score, be sure to have a valid tenancy agreement to show.
Also, don’t go rushing out to stamp all those documents in a day. Instead, start staggering them now to avoid looking suspicious to banks.
4. Start Blowing Your Own Trumpet
Flashing your stash of cash on the roads of petaling street may not be the wisest thing to do. You generally want to keep a low profile in public or risk attracting the wrong crowd to your party.
This philosophy however does not apply when it comes to loan applications to banks.
Income generating investments like your Fixed Deposit should be declared as banks can recognize it as a booster to your portfolio.
5. Two (or more) Is Better Than One
One the instrumental guidelines that banks rely on during credit checks is calculation of your debt-servicing ratio (DSR). We have talked about it before; so do read up on what DSR really is.
Your DSR is limited by your income and expenditure.
To improve your DSR score, consider applying for a home loan under a joint application to give your DSR a better chance. Do note that there are of course T&C’s to this along with your pros and cons. So do weigh your options carefully before treading the (dotted) line.
6. Don’t Put All Your Eggs In One Basket
We have discussed a little bit on DSR and how it affects you in one of the points above. That being said, you should also know that different banks hold a different DSR threshold.
Simply put, you might not strike it with Bank A but there is a chance that you might with Bank B.
So, apply to as many banks as you can to improve your chances. Sounds like a hassle? No worries, using Loanstreet’s mortgage portal, you can compare and apply from multiple banks in one application. Better yet, you could probably do all that in under 15 minutes.
7. Asset As A Friend
If you applied for a loan but was told that your DSR has exceeded the 90% mark, there might still be hope. Certain banks in Malaysia offers an alternative evaluation method based on your assets.
It is known as asset based lending (ABL). To be eligible for this, you will have to show proof of ownership on assets that amounts to above RM1million.
These assets can be your debt free property (Note: Only 70% of market price of the debt free property will be taken as the asset value), fixed deposits, stock investments and other assets. They must amount to a minimum of RM1million after the deduction of 2 years of monthly installments for the current property loan that you are applying for with the inclusion of all unsecured loans.
Conclusion:
Loan approval rates are at a low, property purchase are seeing a downtrend and people looking for a home to purchase are struggling with prices and finding it increasingly hard to secure a loan. While what we share has no guarantees, we want you to be in the best position possible to buy that home of yours. Besides, it’s just good practice to employ wise financial habits. On the note of good practices, do remember to use Loanstreet’s home loan portal and personal loan to apply for a loan. It’s free, convenient and saves you a whole lot of time.
Please Share It! Thanks!
JJ Liau
欢迎加入J-Prop
你对Seri Kembangan 了解有多少？
-史里肯邦安（Seri Kembangan）历史简介
1952年，由于布里格斯计划（Briggs Plan）在马来西亚处于紧急状态期间，因此英国人以共产主义的威胁把马来西亚华裔迁移到双溪伯西（Sungai Besi）周围一个叫做史里肯邦安（Seri Kembangan）的集中位置，此地也确立为沙登(Serdang)新村。
在早期的日子里，村里有50间房屋。由于当时的英国人只提供空地，所以大部分的百姓都必须从白手起家。另外因为空地处于较接近橡胶园和丛林的位置，所以难免会带来一些危险。约一万五千个居民能获得微薄的收入（采矿工人和割胶工人）。另外，沙登新村也被称为山寨行业村，如制造鞋，但是这已经超越了利润更高的企业。
至今，史里肯邦安（Seri Kembangan）的人口已达到15万人左右。
-一般投资者对于史里肯邦安（Seri Kembangan）房产的直接评语
·太远了吧？
·交通太不方便了吧？
·店面空置率这么高的地区怎能投资啊？
·宁愿投资南部的塞城（Cyberjaya)或布城（Putrajaya），甚至上边的蒲种（Puchong）呢！
-经验丰富的投资者对于史里肯邦安（Seri Kembangan）房产的直接评语
·这块地可称为崛起中的新星！
·雪兰莪区还能有这种价钱（市价）多难得啊！
·万事俱备，就连先前所欠缺的东风也跟上来了！
·现在买，只为了避免以后的后悔呢！
-简单的房地产角度分析（Seri Kembangan）
·史里肯邦安（Seri Kembangan）占有地理优势吗？
如果从地图上看，史里肯邦安（Seri Kembangan）是被夹在蒲种（Puchong）与塞城（Cyberjaya)之间。我们都知道蒲种在房产投资领域里绝对算是最热门的选择之一；另外，塞城（Cyberjaya)也是一个就业机会非常高的地区。另外我想在这简单地带过一些个人看法，虽然塞城的就业机会高，但因为一些当地政府的限制（缺少娱乐、饮食选择），所以部分上班族都宁愿选择住在塞城以外的地区。，这样一来，您觉得位于塞城上边的史里肯邦安有没有占了地理优势呢？
·交通不方便的问题会被解决吗？
除了现有的LDP、MEX Expressway、SKVE，还有其他大道能通往史里肯邦安（Seri Kembangan）吗？有的，一个名为SKIP Expressway(Serdang-Kinrara-Putrajaya)的大道将预期在2017年建好，这绝对能改善当地的交通问题；除了大道以外，史里肯邦安（Seri Kembangan）也将出现新的MRT捷运站（Sierra 16的某处）与LRT轻轨站。
·近年有哪些发展商进军史里肯邦安（Seri Kembangan）了吗？
也许简单的分析只能让你对史里肯邦安的了解增加，但无法让你有信心把钱投资在这里。没关系，接下来我会列出几个近年来察觉到这片地的潜力并进军发展的几个发展商与其项目，也许这样能提升您对这片地的信心。
1）项目：ZEVA *服务式公寓+画室（studio） *每方尺RM500+
发展商：Trinity Group
2）项目：SFERA *公寓 *每方尺RM540+
发展商：YNH Property
3）项目：Paragon *公寓+排屋 *每方尺RM400+
发展商：Paragon Promenade
4）项目：D'Alpinia *公寓+排屋 *每方尺RM450
发展商：Hap Seng Land
5）项目：Sierra 16 *公寓+排屋 *每方尺RM600+
发展商：IOI Group
6）项目：O2 City *服务式公寓 *每方尺RM500+
发展商：Perfect Eagle Development
*就连全马最大的房地产发展商之一IOI Group都进军史里肯邦安（Seri Kembangan）了！
请将此分享出去！谢谢！
JJ Liau
Welcome to J-Prop
How much do you know about Seri Kembangan?
-History of Sri Kembangan
Seri Kembangan was established as the Serdang New Village in 1952 when the British moved Malaysian Chinese villagers living around Sungai Besi to a centralised location due to the Communist threat during the Malayan Emergency following the Briggs Plan.
In its early days, the village had 50 houses and all were built from scratch because the British only provided empty plots of land. The area was close to rubber estates and the jungle posed dangers of a different kind. Most of the 15,000 inhabitants earned meagre incomes as mining workers and rubber tappers. At one point, the Seri Kembangan New Village was known for cottage industries like shoe-making but this has been overtaken by more profitable ventures.
To date, the population of Seri Kembangan is estimated to be 150,000.
-Comments of General Investor on Sri Kembangan Property
~Too far
~Inconvenient transportation
~How can invest in an area which comes with high vacancy rates?
~I would invest property in the southern part (cyberjaya & putrajaya) or upper part (Puchong area) rather than Seri Kembangan.
-Comments of Experienced Investor on Seri Kembangan
~This area could be called a "rising star"
~There's a rare to enjoy this kind of cheap price in Selangor area
~The reason to buy now is to avoid the regret in the future
- Property Analysis (Seri Kembangan)
~Is Seri Kembangan located in a geographical advantage area?
From map, we can see that Seri Kembangan is sandwiched between Puchong and Cyberjaya. We all know that Puchong is definitely regarded as one of the most popular choices in the property investment field ; Cyberjaya is also a very high employment area. In addition, I would like to share some personal views on this zone. Again, Cyberjaya is a very high employment area, but some workers of there would choose to stay out of Cyberjaya rather than in, due to some local government restrictions (lack of entertainment, food choices). In this way, don't you think Seri Kembangan has already located in a geographical advantage area?
~Traffic inconvenient problem will be solved?
In addition to the existing highways like LDP, MEX Expressway, SKVE, is there any other highway that could be leaded to Seri Kembangan (Seri Kembangan) ? Yes there is, a highway called SKIP Expressway (Serdang-Kinrara-Putrajaya) is expected to be completed in 2017, it can certainly improve traffic problems; beside highway, the new MRT (somewhere Sierra 16) and the LRT Station will be appearred in Seri Kembangan as well.
~Which property developers has moved into Seri Kembangan in recent years?
Perhaps the simple analysis can only increase your cognitions of Seri Kembangan, but can not make you to have the confidence to invest in this land. Then I will list a few developers who moved into this area and their projects as well, this propbably will increase your confidence in this land.
1）Project：ZEVA *Service Apartment+Studio
*Price psf RM500+
Developer：Trinity Group
2）Project：SFERA *Condo
*Price psf RM540+
Developer: YNH Property
3）Project：Paragon *Condo+Terrace House
*Price psf RM400+
Developer: Paragon Promenade
4）Project：D'Alpinia *Condo+Terrace House
*Price psf RM450
Developer: Hap Seng Land
5）Project：Sierra 16 *Condo+Terrace House
*Price psf RM600+
Developer: IOI Group
6）Project：O2 City *Service Apartment
*Price psf RM500+
Developer：Perfect Eagle Development
*IOI Group, one of the biggest property developers has already moved into Seri Kembangan!
Please Share It! Thanks!
JJ Liau
欢迎加入J-Prop
消费税如何影响房地产？
大马将在2015年4月全面实施消费税（GST），税率是6%；很多人对消费税会如何影响物价甚为关心。当然，房价也无可避免地会受影响。我们将在这篇文章里探讨消费税实行后会，如何影响及冲击整体大马产业市场和房价。
消费税被推行后，几乎所有物品和服务（除了基本的必需品）在供应链的每一环节都会被征收6%的消费税。
在消费税的制度下，各货品和服务被分为三种不同的组别：标准税率（Standard-rated）、豁免纳税（Exempt-rated）以及零税率（Zero-rated）。
销售税（Sales Tax）是现在影响房产的税务制度。消费税会在2015年4月取代现行的销售税（10%）及服务税（6%）。
--商用房产须缴消费税，住宅房产会涨吗？
消费税与现有的销售税的其中共同点是当消费者购买房屋或住宅产业时，并不会被征收任何税务。
在消费税新税制度下，住宅产业是属豁免纳税项目，需要注意的是，商用产业则是标准税率组别，因此当你购买商用房产时，会被索取消费税。
但当创造最终产品时（用税务的说法则被称为进项阶段），发展商所采购的建筑材料在两种税制下皆得征税，而这也导致两种税务制度开始产生不同的影响。建筑材料的消费税与销售税的税率是不同的。
根据1972年的Sales Tax Act，基本建筑材料如：砖块，洋灰和地砖都属于“第一环节的货品”，在这范畴的货品都不会征收销售税，其它建材则列“第二环节的货品”，会被征收5%的销售税。
一旦落实新的消费税后，所有的建筑材料和专业服务费用（例如承包商和工程师）都会被征收6%的标准税率，这一定会加重发展商的制造成本，因此住宅房价也理所当然会涨。
--税务成本转嫁消费者
如果你了解消费税如何运作，你也许会注意到在多数情况，额外的税务成本最终会转嫁给消费者（标准税率货品）或者向政府申报索取（零税率货品）。
不过，在豁免纳税的情况下，额外的税务成本会由供应链里消费者之前的上一个环节，也就是发展商所承担。而在供应链里，发展商并没有下一层的“受害者”。
对于购屋者来说，这似乎是件好消息，因为他们在购买房屋时不必缴付消费税。无论如何，购屋者不必太开心，因为发展商可能会暗地里尝试将额外的税务成本纳入最终的销售价。
总结
身为购屋者，你需要了解消费税落实后会如何影响房价趋势。以下简洁地概述了整篇文章的关键见解：
一‧消费税实行后，房产的价格预料会一律升高。
二‧虽然发展商无需让购屋者缴付消费税，但他们可以暗地里把成本通过屋价转嫁给购屋者。
三‧总的来说，新房产价格的涨势，或许会比商用房产来得低。
四‧二手房市场的价格，也将会受到一定的冲击效应。
请将此分享出去！谢谢！
JJ Liau
Welcome to J-Prop
How GST Will Impact The Property ?
With the coming implementation of Goods & Service Tax (GST) in April 2015, many Malaysians are concerned with what this bodes for prices in general. It is inevitable that home prices will also be affected. In this article, we explain how home and property prices will be affected moving forward.
To properly appreciate how GST will affect home prices, it is necessary to first understand how GST works.
Aside from GST, one must also have an understanding of the Sales Tax, which is the existing tax scheme affecting the property sector. GST will supplant the Sales Tax come April 2015.
Tax Scheme on Residential Property – The Similarities
In comparing both tax schemes, we have to first identify their similarities.
One similarity between GST and the existing Sales Tax scheme is that no taxes are charged or will be charged to the consumer on the purchase of a home / residential property. For GST, residential properties fall under the “Exempt Rated” basket of goods. (But do take note that GST will be charged to the consumer for commercial property purchases as commercial properties are “Standard Rated”).
However, during the creation of the final product (also known as the input stage in tax parlance), under both tax schemes, developers would incur taxes during procurement of their inputs and materials. And this is where the differences start to become apparent between both tax schemes. The tax rate for inputs and materials vary between GST and Sales Tax.
Sales Tax VS GST for Residential Properties – The Differences
Based on the Sales Tax Act of 1972, basic building materials such as bricks, cement and floor tiles fall inside First Schedule Goods, in which all the goods in this category will not be subjected to sales tax. Meanwhile, other building materials fall inside Second Schedule Goods, in which all the goods in this category will only be charged sales tax of 5%.
Under the new GST implementation, all building materials and services (E.g. Contractors, engineers) will be subject to GST with a standard rate of 6%. This will invariably raise the production cost for developers.
If you understand how GST works, you will notice that in most cases, the additional tax cost is simply passed on to the final consumer (Standard-Rated goods), or is claimed back from the government (Zero-Rated goods). But in this case (Exempt-Rated), the additional tax cost is borne by the party before the final consumer – The developer.
The developer does not have a next “victim” in the supply chain.
This seems like good news for home buyers as they do not have to pay GST when purchasing a home. However, one should not be too happy about this. It is no stretch of the imagination to think that developers would try to build in the additional tax costs into the final sale price implicitly.
Conclusion
As a home buyer, it pays to know what the implementation of GST might bode for home prices moving forward. If you skipped the entire article, here are all the key insights in a nutshell:
1)With GST, there should be a once-off increase in property prices across the board.
2)While developers may not bill home buyers for GST, they could transfer the costs implicitly via the sale price.
3)The overall price increase for new residential properties could be marginally lower than that for new commercial properties.
4)The secondary home market should see a knock on effect in prices.
Please Share It! Thanks!
JJ Liau
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