Cara nak beli rumah 2nd hand @ rumah dah siap...

water_lily

salam..
nak mintak tolong le.. coz i memang blurr bab2 ni.
at last kami dah jumpa rumah yg kami ndak beli. it's a bunglow (old type la sket) at a cost of 200K. hubby aku govt officer n boleh dpt govt loan. tp rumah skg ni dia ada lg bal utang dlm 70K le. reason kami nak beli rumah tu sbb rumah skg ni teres int je n bila neighbour kiri kanan dah buat reno.. memang rasa sesak nafas le. apart from that, insyaAllah i pun leh buat bank loan.

my soklan;
1. kalo beli pakai nama hubby, dia mmg takkan dpt full loan lagi kan. so skg dia suh i plak apply bank loan.. so is it going to better or worse (govt loan vs bank loan)

2. Katalah bank loan kita dpt dlm 80% le pembiayaan.. so kira dlm 160K kan. katalah dlm KWSP a/c II i ada RM50K. so boleh ke kalo i gi bank n nak buat loan 150K sahaja?
coz kalo bleh memang x nak buat bank loan banyak2.. nanti interest tinggi sgt.

3. ada sesapa leh share pengalaman membeli rumah dah siap?

inan

5# ctnur12

nak tanya ctnur sikit , saya nak tahu biasanya kos lawyer untuk nak buat S&P je berapa?.. harga rumah rm225k

anie_sa

salam..
nak mintak tolong le.. coz i memang blurr bab2 ni.
at last kami dah jumpa rumah yg kami ndak beli. it's a bunglow (old type la sket) at a cost of 200K. hubby aku govt officer n boleh dpt go ...
water_lily Post at 7-10-2009 11:20

ermm..utk loan, x kisah kalau u nak apply 80% ataupun less than that provided u ada fund utk bayar the difference. biasanya orang apply 90% sebab x ada duiit cukup utk bayar balance purchase price & x mau kuarkan EPF..
ada gak govt servant yang apply conventional loan from the bank.
macam kes u ni, x harm applying loan from the bank..

fezy

salam..
nak mintak tolong le.. coz i memang blurr bab2 ni.
at last kami dah jumpa rumah yg kami ndak beli. it's a bunglow (old type la sket) at a cost of 200K. hubby aku govt officer n boleh dpt go ...
water_lily Post at 7-10-2009 11:20

murahnye rm200k for a bungalow... sodeh sodeh dennnn
anyway, kenapa lak ko plak nak buat loan atas nama ko?
just my two cents... cos these days, u've to protect urselves irregardless whether u love ur hubby or not.
sama ada amik commercial loans atau nama bersama ATAU ko amik commercial loan rm70k nak settle loan gomen AND amik rm160k ke hapa ke loan ngan gomen

+++nak tolak siap2 dr a/c 2, boleh ke?
a/c 2 tu leh guna untuk cover installment.
baru budget 2010 ni je gomen announce waktu bank consider buat loan... consider duit kwsp a/c2 tu sbg income gak time nk bilang repayment capacity

idx

aku pun tgh dr proses beli umah sub-sale..so, jumpa maklumat nie..
sumber: http://bicaralegal.blogspot.com/ ... 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

mcm umah aku rege RM 155k, jadik total lawyer fees, stamp duty untuk S&P + loan agreement lebey kurang RM 7k. Tu pun tak finalised lagi sebab lawyer belum dapat tengok geran umah kot2 ada perlu consent untuk pindah milik.

ridd

good info idx..

pijang

Reply 5# ctnur12


    Assalamualaikum.. Hamba nak tumpang tanye.. Sekiranya hamba beli rumah secara pinjaman perbendaharaan BPP daripada owner rumah tu sendiri. Owner tu juga wat pinjaman BPP dulu tp masih ada baki pinjaman dgn BPP. Camne prosedur yg baik untuk proses membeli rumah ini? Kiranya hamba smbung blik pinjaman tersebut atau apa? Harga rumah tersebut ada perubahan tak? Pastu apa tugas penilai? Penilai nilai rumah dgn harga yg mahal atau tak?   Rumah tersebut kat pinggir bandar je.. Rumah teres kecik je ( kira kos rendah la.. ) Harap ada sesiapa dapat jelaskan dengan teliti. Sekian terima kasih

arenis

Reply  ctnur12


    Assalamualaikum.. Hamba nak tumpang tanye.. Sekiranya hamba beli rumah seca ...
pijang Post at 7-4-2011 08:26

Kalau pinjaman dari BPP owner kena setelkan dulu semua baki hutang.
Harga jualan terserah pd owner samada dia nak jual murah atau ikut harga pasaran semasa.
Kalau pembeli buat pinjaman melalui BPP penilaian kena melalui JPPH kalau buat loan bank guna
pej penilaian yg swasta yg dilantik oleh bank tersebut.

pijang

Reply 28# arenis


    Assalamualaikum.. Hamba nak tanye.. Camne plak cara penilaian rumah melaliu JPPH kalau wat pinjaman kerajaan BPP? Contoh klau rege rumah rm70 ribu? Klau JPPH nilai plak berape jadi nilai rumah tu ek? Hamba dengar nilai yang diletak oleh JPPH itu adalah jumlah yang dapat kite pinjam?

arenis

Reply  arenis


    Assalamualaikum.. Hamba nak tanye.. Camne plak cara penilaian rumah melaliu  ...
pijang Post at 19-4-2011 11:56

    JPPH menilai rumah mengikut nilai semasa...BPP pulak dia akan bagi nilai pinjaman mengikut mana2 nilai yang terendah. Contoh kalu umah rm70 tp JPPH pergi nilai sebenarnya cuma rm65000 so BPP akan bagi kita pinjam rm65000 je la.
Satu lagi contoh kalu dlm snp kita letak rm70000 JPPH nilai rm75000 BPP akan bg kita ikut mana yg rendah so dia akan bg kita harga yg dlm SNP tu la...

faham la kot no...ayat2 pusing2 ni...

pijang

Reply 30# arenis


    o yeke? Time ksih bagi info.. Rumit jugak ye? Klau boleh nilai sikit kene cover duit ikut lain plak. Klau duit kwsp banyak xpe r.. Tapi kalu masa perjanjian jual beli nanti klau kite letak harga rumah yang dijual oleh tuan rumah contohnya RM70 ribu boleh tak? Bahagian borang BPP "Amaun pinjaman yang dipohon" boleh diisi terus tak masa jumpe lawyer? Penilaian rumah tu bleh lagi tak kite ejas dengan JPPH? Misalnya klau dapat RM55 je lepas JPPH nilai tapi kite nak lebih sikit dalam RM65 ribu. Kiranya kite nak bajet2 la duit yang ada untuk kos bayaran lawyer nanti.. Tambahan plak klau x ckup duit lain untuk tampung pinjaman BPP.Ringkasannya macam ni.. Hrga rumah RM70ribu, penilaiaan JPPH RM55ribu, KWSP RM18ribu, kos guaman & lain2 ?

arenis

sy tahu awk nk bg contoh takut kalu2 JPPH nilai umah rendah...
tp kalu fikir logik skrg mana ada harga rumah 2nd rendah...
kalu saja2 nak survey sendiri cuba tgk rumah2 lain yg hendak dijual di kawasan yg awk nak beli tu ...berapa nilainya...
around tu la juga JPPH akan nilai...

ttg ejas meng ejas ni sy tak pasti la pulak...sbb ikut prosedur JPPH mereka ni tak bole la sesuka hati nak letak nilai pasaran...

kalu dh tk cukup nak cover mmg kena top up sendiri juga la kan..

tempur

Kalau rumah tu ada banyak tunggakak hutang bil spt tanah, api air, maintenance, cukai pintu dan sebagainya.... adakah kita perlu bayar semua itu atau bank yang bayarkan....

pijang

Ade x sesape kat sini pernah membeli rumah second dan pernah wat penilaian rumah dengan JPPH? Boleh x kongsi sedikit sebanyak dengan newbie seperti hambe yang baru nak beli rumah ni.. Mintak kongsi2 pengalaman sikit.. Tolong ye?

arenis

Kalau rumah tu ada banyak tunggakak hutang bil spt tanah, api air, maintenance, cukai pintu dan seba ...
tempur Post at 20-4-2011 13:10

Kalu beli subsale owner kena settlekan...tp kalu bank lelong tak pasti

kisah benar kwn aku beli umah ...
check2 ada banyak tunggakan maintenance n cukai pintu...jenuh paksa soh owner settlekan...tp owner tak nak..
so dia terpaksa tolong settlekan untuk mempercepatkan proses jual beli ni...
skrg dh mcm owner tu berhutang dgn kwn aku...tp nnt dia akan bayar balik dari baki jualan tu...

kluwong

salam, aku pun nak beli umah ni.. tp zero input la...
kira aku nak beli umah ngn owner, 10% aku bole kuarkan drp KWSP, rumah tu rumah teres jek, tp harga pun da 185K...tp aku x tau apa2..macam nak apply loan 90% lagi yang kat bank tu, aku kena pergi mana2 bank je ke? ke ada bank yg rendah kadar bunga nyer berbanding bank yang lain2? apa bank yg terbaik boleh aku wat loan ek/

kluwong

pastu, kena cari peguam sendiri ke? mana nak cari? n mmg charge pegum tu ape ke mahal nor

kluwong

malu ni, nak tanya lagi? pada pendapat korang, mana lagi untung aku beli umah tu ikot skim rumah pertamaku ke loan bank 90% je?

kluwong

ok pasal yuran guaman tu, aku bole faham sikit baca kat tread bawah nuu.. hehehe..tq, wlpun xde org sudi jawab...:cf:

tempur

adakah 10 % yang kita gunakan untuk membayar lawyer dan SnP termasuk dalam 10% downpayment dgn bank.. atau kita kena cari duit lain untuk downpayment