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Author: meerebus

Legal fee for Loan Agreement

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Post time 9-12-2009 12:32 PM | Show all posts
Post Last Edit by eddina_14 at 9-12-2009 12:39

77# AnisSuraya

anis...rege rumah tu berapa? loan amount?

satu lagi kemusykilan,

stamp duty and the legal fees is based on the property value atau loan amount?
(on the side of bank agreement etc)

meaning dlm kiraan atas tu, darab dgn harga rumah atau jumlah loan?
sbb loan amount dlm 90% je dari prop value kan?
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Post time 9-12-2009 02:45 PM | Show all posts
Post Last Edit by eddina_14 at 9-12-2009 12:39

77# AnisSuraya

anis...rege rumah tu berapa? loan amount?

satu lagi kemusykilan,

stamp duty and the legal fees is based on the property valu ...
eddina_14 Post at 9-12-2009 12:32 PM


Dina, nanti anis pm yer rege rumah tu n buat loan baper amount...tak leh inform kat sini...kang abang anis iaitu si riuk tu majuk lagii kabor anis tak mo belanja dia makan kat secret resepi...

stamp duty and the legal fees ni setahu anis lah...

kalau dgn lawyer/pemaju --SnP..dia kira based dari harga rumah
kalau dengan lawyer/bank--loan agreemenet... dia kira based dari jumlah loan yg kita buat..

anie, kalau salah tolong betulkan ya...
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Post time 9-12-2009 04:51 PM | Show all posts
....banglo reban ayam mmg ada 3 bijik kat kg...ternak ayam organik gituk....banglo bebetul...lum tercapai dek akal utk mampu dimiliki....  tapi sedang berusaha gigih menjual dan mem ...
AnisSuraya Post at 9-12-2009 10:29


alaaa... sudah la... kalo nats & OG tu ada je buah tangan.. aku ni haremmmm ko ingat kan...
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Post time 9-12-2009 05:01 PM | Show all posts
alaaa... sudah la... kalo nats & OG tu ada je buah tangan.. aku ni haremmmm ko ingat kan...
ryo_takahashi1 Post at 9-12-2009 04:51 PM


adehhhh....majuk lah pulak....anis ni segan lah nak oper2 kan kecuali empunya diri bertanya sendiri...maklumlah...org kaya mcm hang ni mana lah makan makanan murah2 kan.... ....byk lagi kat pokok tu...nanti dah masak...anis pos kan yer...btw...kalau anis poskan barang guna alamat opis hang tu...boleh tak?...anis ada benda nak pos lah....
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Post time 9-12-2009 05:09 PM | Show all posts
84# AnisSuraya

buley, no hal... tapi jgn plak ko letak nama glamer aku ni... menggagau depa nak carik nanti...
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Post time 9-12-2009 09:36 PM | Show all posts
Dina, nanti anis pm yer rege rumah tu n buat loan baper amount...tak leh inform kat sini...kang abang anis iaitu si riuk tu majuk lagii kabor anis tak mo belanja dia makan kat secret resepi... ; ...
AnisSuraya Post at 9-12-2009 02:45 PM


wokey tq anis...
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Post time 10-12-2009 12:12 PM | Show all posts
84# AnisSuraya

buley, no hal... tapi jgn plak ko letak nama glamer aku ni... menggagau depa nak carik nanti...
ryo_takahashi1 Post at 9-12-2009 05:09 PM


Oraittttttttt Datuk Kasim Selamat...on the way....
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Post time 11-12-2009 05:32 PM | Show all posts
nk tny pada sape2 yang pernah beli umah subsale...sebelum masuk umah tu kene bayar taksiran ke?taksiran tu ape ek ade sape2 yang bleh tlong....tq
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Post time 12-12-2009 03:41 PM | Show all posts
nk tny pada sape2 yang pernah beli umah subsale...sebelum masuk umah tu kene bayar taksiran ke?taksiran tu ape ek ade sape2 yang bleh tlong....tq
ummisyifa Post at 11-12-2009 05:32 PM


Taksiran tu bukan cukai taksiran ke...apa itu cukai taksiran?..cukai taksiran ialah cukai yang dikenakan oleh pihak berkuasa tempatan ke atas semua hartanah/pegangan di dalam kawasan pentadbiran pihak berkuasa tempatan berdasarkan Nilai Tahunan & Kadar Tahunan yang ditetapkan.
Contohnya :-
Jika nilai tahunan sesuatu pegangan ialah RM2000.00 dan kadar tahunannya, 19.25% maka cukai taksiran pegangan tersebut ialah
RM2000* 19.25      =  RM385 setahun                                                                  
100

Istilah lain taksiran  ialah...cukai pintu...

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Post time 1-1-2010 01:10 PM | Show all posts
Hi dina just nak update ari tu yg dok isbuk2 kira legal agreement sumer dah dapat invoice by lawyer bank. So for house price of 390k, legal fee plus stamp duty plus sumer2 fee yg lain mcm search, travelling etc fee, total kena byr rm5900 mcm tu...

Phuh lega...nasib baik zec bank cukup, kalau tak kena top up... agaknya lain laywer lain kiranya sbb kalau buat calculation online laywer lain beza banyak gak....
alhamdulillah...

Thanks sape yg tolong ari tu kirakan yer...esp anis and anie-sa
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Post time 1-1-2010 01:33 PM | Show all posts
Hi dina just nak update ari tu yg dok isbuk2 kira legal agreement sumer dah dapat invoice by lawyer bank. So for house price of 390k, legal fee plus stamp duty plus sumer2 fee yg lain mcm search, trav ...
eddina_14 Post at 1-1-2010 01:10 PM


Alhamdulillah......selamat duit dina kan....sebab masih dalam tanggungan pihak bank...anis pun dah settel dah sign semua dokumen loan agreement...banyak giler kena sign/initial....kemudian person yang incharge tu bagitau, ada dokumen tambahan yang RHB suruh pihak lawyer sediakan dan suruh kitaorang sign...anis saja ler riki2 berapa semua yang pihak bank kena bayar kan (maklumlah zec, semua bank yg bayor, saja nak menyibuk nak tau..kuikuikui)..person incharge tu cakap lebih kurang 10k...mahai giler kan...
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Post time 2-1-2010 10:33 PM | Show all posts
HI all, ni saya ada jumpa maklumat ni untuk rujukan dari blog nie: http://bicaralegal.blogspot.com/2009/05/sale-purchase-of-property-how-much-is_26.html

Sale & Purchase of Property – how much is your legal cost?
Part 2


1.1 Legal cost for the Sale & Purchase Agreement (the cost is on the Purchaser)

Part A – Professional Fee (based on the Purchase Price)
o For the first RM150,000 x 1.0% (subject to a minimum fee of RM300
o For the next RM850,000 x 0.7%
o For the next RM2,000,000 x 0.6%
+ 5% government tax

Part B – Disbursement (estimation cost:- RM500 – RM1,000)
o Stamping of SPA (RM10 per copy x 4)
o Bankruptcy/ Winding up search
o Company search (if applicable)
o Land search (before preparation of the SPA & prior to the filing of the Form 14A at the
Land Office)
o Registration of Transfer at Land Office
o Affirmation on the Statutory Declaration to request for the 50% waiver on the stamp duty
on the transfer/ on the assignment
o Stamping on the Statutory Declaration to request for the 50% waiver on the stamp duty
on the transfer/ on the assignment
o Transportation
o Printing/ Facsimile/ Telephone/ Photocopy charges
o Miscellaneous charges

Part C - Stamp duty on transfer of property/ on the Assignment (based on the market value)
The 1st RM100,000 x 1%
+ The 2nd RM100,000 x 2%
+ The balance of the market value x 3%
= Total Stamp Duty of Transfer/ on the Assignment

1.2 Legal cost for the Loan Agreement (not applicable if the purchaser pay the purchase price by way of cash and without obtaining any loan from any institutions)


Part A – Professional Fee (based on the total loan amount)
o For the first RM150,000 x 1.0% (subject to a minimum fee of RM300
o For the next RM850,000 x 0.7%
o For the next RM2,000,000 x 0.6%
+ 5% government tax

Part B – Disbursement (estimation cost:- RM500 – RM800)
o Bankruptcy/ Winding up search
o Company search (if applicable)
o Registration of Charge at Land Office
o Affirmation on the Statutory Declaration of non-bankruptcy
o Stamping on the Statutory Declaration of non-bankruptcy
o Transportation
o Printing/ Facsimile/ Telephone/ Photocopy charges
o Miscellaneous charges

Part C - Stamping of the Loan Agreement
o total loan amount x 0.5%

* To minimize your cost, you may apply for the “zero entry cost” loan whereby the bank will bear this cost. This package is available from various major banks in Malaysia. However, please take note that the interest rates imposed by the bank for this “zero entry cost” package may be higher than the normal housing loan facility.


2.1 Vendor's Legal cost for the Sale & Purchase Agreement (not applicable if the Vendor decides not to appoint any Solicitors for the Sale & Purchase Agreement)

Part A – Professional Fee (based on the Purchase Price)
o For the first RM150,000 x 1.0% (subject to a minimum fee of RM300
o For the next RM850,000 x 0.7%
o For the next RM2,000,000 x 0.6%
+ 5% government tax

Part B – Disbursement (estimation cost:- RM150 – RM350)
o Transportation
o Printing/ Facsimile/ Telephone/ Photocopy charges
o Miscellaneous charges

2.2 Vendor's Legal cost for the discharge of charge (not applicable if the property is free from any bank loans/ has already been fully redeemed from the bank)

Part A (Professional Fee) + Part B (Disbursement): the estimation cost is between RM500 – RM800

2.3 Vendor's Legal cost for application of the consent from State Authority (subject to the restriction under the title. If no consent is required, then this is not applicable)

Part A (Professional Fee) + Part B (Disbursement): the estimation cost is between RM500 – RM800 (subject to the charges imposed by the respective Land Office
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Post time 5-3-2010 03:04 PM | Show all posts
54# ungu_violet191

ungu...mrs nye legal fee mintak quotation ngan loyer RM5300...tp Stamp duty on DOA dia kasik estimation dlm 2600...maybe yg ni kalo actual price kurang...kurang ler skit legal fees tu...
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Post time 5-3-2010 03:16 PM | Show all posts
nak tny...legal fees utk bank & snp lain x sama ke? meaning kite kena byr legal fees 2 kali ke?
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Post time 6-3-2010 12:18 PM | Show all posts
94# mrsnd


a'ah, kena bayar separate legal fees & disbursement utk dua2 transaction, S&P & Loan, unless u amik zero entry cost utk loan. so, bank akan absorb legal fees & disbursement utk loan tu
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Post time 8-3-2010 10:09 AM | Show all posts
ooo...thx anie...kalo mcm tu byk jugak lar duit nak kena prepare yea
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Post time 8-3-2010 11:04 AM | Show all posts
ooo...thx anie...kalo mcm tu byk jugak lar duit nak kena prepare yea
mrsnd Post at 8-3-2010 10:09 AM


beli rumah mmg nak guna banyak duit....kalau kat beng takat ada 3-4k jer...fikir panjanglah dulu kalau nak beli rumah...
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Post time 9-3-2010 05:30 PM | Show all posts
beli rumah mmg nak guna banyak duit....kalau kat beng takat ada 3-4k jer...fikir panjanglah dulu kalau nak beli rumah...
AnisSuraya Post at 8-3-2010 11:04


betul tu anis.. mmg byk pkai duit nk beli umah nih... sangap la kejap...huh!!
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Post time 10-3-2010 10:14 AM | Show all posts
abes duit byk pon takpe...puas ati...dpt beli umah sendiri kan......x sabar rasanya nak dok umah sendiri...
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Post time 23-5-2010 01:22 AM | Show all posts
Post Last Edit by akeyron at 23-5-2010 01:56

sori, nak tanya..
kalau snp + loan agreemnt berapa biasa lawyer charge?

lagi satu berapa biasanya valuation report kita kena byr kt diorg?
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