Tanah Cameron Highlands for SALE

Price : RM 1 000 000 Type: Land, For sale Area: Cameron Highlands
Title type: Freehold Tenure: - Other info: Non Bumi Lot
Size: 133.76 Acres
Property Type: Agricultural


Salam sejahtera. Saya ada kenalan yg ingin menjual tanah ladang teh berkeluasan lebih 133.76 ekar di tanah tinggi Cameron Highlands. Tanah tersebut adalah hak milik kekal. Harga setiap per ekar dengan nilai Rm1,000.000.00. Tanah ladang ini dibuka jualan seboleh-bolehnya utk bumiputera melayu (Syarikat @ Persendirian) sahaja dan pembeli mesti membeli keseluruhan tanah lebih 133.76 ekar tersebut pada harga Rm130 juta.

Tanah ladang ini mempunyai akses yg baik dengan kwsn di sekitarnya. Ia boleh dilalui melalui Jalan Lojing-Simpang Pulai atau melalui Kampung Raja. Tanah ini merupakan tanah ladang teh terbiar dipenuhi semak samun.

Di sekeliling tanah ini terdiri drpd hutan, kwsn pertanian dan pekebun sayur. Tanah ladang teh ini terletak di Koridor Zon Pembangunan Utara dlm draf rancangan tempatan Daerah Cameron Highland. Bagi mereka yg berminat dan yg serius sahaja boleh hubungi Farred ditalian: 013-3652380. Sekian terima kasih.

Allah is always by your side, Insha Allah, Insha Allah, Insha Allah

Lower your housing loan interest without doing anything

---

With most home loans, a large percentage of your monthly repayments go towards paying off your loan interest. Sometimes, more than 2/3 of your monthly repayments could go into paying off the interest, leaving less than 1/3, towards paying down your loan.

So here’s a flexible way for you to lower your monthly interest repayments.

How does it work, you may ask?

Hong Leong Bank MortgagePlus is an innovative home loan that gives you automatic savings on your interest, daily.

MortgagePlus is linked directly to your current account, so it withdraws directly from your current account balance to offset your home loan amount, enabling you to save more every day.

The more you deposit into your MortgagePlus current account, the more you save.

You can also manage your home loan and other banking transactions from one account. Think of it as a one-stop shop for your home loan and current account transactions.

Now let’s talk about flexibility. As the excess fund is in your current account, you can withdraw it anytime you wish using your cheque book or ATM card. There will be no notice period required and you don’t have to worry about unnecessary charges or penalties. So, feel free to use your funds whenever you want for whatever you need.

Also, act fast! The first 300 customers to apply and execute the Hong Leong Bank housing loan documents will get a Canon IXUS 300 HS (worth RM1,499) for FREE!

This promotion also applies to Hong Leong’s flexible range of housing loans. You can choose from Hong Leong Flexi Mortgage, Hong Leong Housing Loan, or Hong Leong Mortgage Plus - whichever suits your needs.

Sign up soon as this offer is valid from 13 March to 30 June 2011.

For more information, visit any of the Hong Leong Bank branches nationwide or call 1-800-38-8888 or log on to www.hlb.com.my

Allah is always by your side, Insha Allah, Insha Allah, Insha Allah

Cara nak HABIS bayar HOME LOAN awal !

Salam pembaca yang Budiman,

Hari ini saya rasa terpanggil untuk kongsikan satu ilmu akan menyebabkan BANK-BANK di Malaysia MARAH! atau Anda akan bertanya kenapa saya tak tahu dari dulu lagi (boleh jimat duit beribu-ribu ringgit).

Semua orang akan membuat pinjaman perumahan kalau nak beli rumah kecuali kalau anda anak Tan Sri atau Dato' yang banyak duit tak tahu nak guna untuk apa. Boleh la beli CASH tapi nasihat saya kalau ada duit pun jangan beli rumah CASH. Anda boleh guna duit yang banyak tu untuk beli rumah satu lagi...heeheh...menarik tak

Ok cut short, Ramai yang dah tahu atau tak tahu yang mereka boleh bayar lebih dan bayar awal untuk pinjaman perumahan mereka.

Nak tahu kesan bayar lebih dan bayar awal?

Anda akan langsaikan hutang rumah anda lebih AWAL dari perjanjian. Teruja ker? Dari situ tak perlu lah anda pening kepala dengan hutang (walaupun Hutang yang baik).

Ok the MAgic word!

"BAYAR LEBIH & BAYAR AWAL"
Allah is always by your side, Insha Allah, Insha Allah, Insha Allah

Which is a better choice – to buy a new property or a sub-sale property?

Dear Peter Yee,

I am interested to own an affordable double-storey link house in the Klang Valley. Currently, I am 30 years old and due to the fact where I only have limited savings, I can only afford to buy properties that are priced from RM200k to RM300K.

As current property prices have gone up so high and for this price range, I would only be able to get those new double-storey houses that are located further away from the city centre - which is inconvenient for my elderly parents. But, the consolation is the upfront savings required would only be around RM30k to RM35K.

I am also open to sub-sale properties which are priced around this range, but too bad, not only is the house condition bad, the prices have also gone unreasonably high. A simple refurbishment will easily take up another RM50k to RM60K. This would mean that the total upfront payment required would be RM35K + RM50K = RM85K or more! Now, even the poorest condition houses in Klang Valley are also sold at unreasonable high prices and even the banks would not value the old house at such a high price.

I am worried that if I do not buy the sub-sale property now, the price would soar even higher in the next 6 months. With the given situation, can you please advise me on what should I do now?

Should I buy a new or sub-sale property? Should I buy now or wait for the price to stabilise again?

Regards,
Worried Lady

--------------

Dear Worried Lady,

Your concern about the escalating prices is shared amongst many people in the market. The aggregate of worried people rushing to purchase properties may explain why property prices have escalated above the affordable level of most ordinary people. This kind of market is called a “Seller's Market” otherwise known as the best time for people who own property to sell their property for a good price as there are more buyers seeking for property. The fact is the property prices can fluctuate. Like the stock market, it goes through cycles as well. In general, the prices of properties have already appreciated approximately 20% to 30% over the past two years, and the upside for capital appreciation may be limited.

For your case, you are young and mentioned that you can only afford properties in the range of RM200,000 to RM300,000. From the information provided, we assume that you have savings of about RM30,000 as down payment, may be single, living with your parents and renting the current home you are living in. We understand that you are also a filial and caring daughter to your elderly parents. In money management, the priority and focus should be on the people aspect and then only on things. Buying a property is only a thing used to support and improve the quality of life for the people. In this case, purchasing a home is meant to support you and your parents.

If you are buying your own home, you are then your own tenant for the property and the considerations would be different. There are 2 options for you to consider:
If you can find affordable secondary property near your workplace, you may buy now.

Option 1. If you buy a landed residential property within your affordable range from the primary market (from developers), from you should consider buying only from reputable developers to ensure that the project is not abandoned. You also need to factor in the transaction cost and furnishing cost. Other considerations include travelling time, petrol and toll charges and inconvenience to your parents as it may be far from their family and friends. These other factors will affect your time and life. Option 1 may not be the best choice.

Option 2. Buy from the secondary market either from the sub sale or auction market within your affordable price range. For a secondary market residential property, you may need to budget and consider property repair costs, transaction costs such as legal fees, loan agreement fees and stamp duty. Your concern is if you do not buy now, prices will continue to increase after 6 months. No one can predict the future. For example: what happens if the stock market suddenly turns south? Or unemployment rate increase? Or the scenario whereby for those who have already bought property at higher prices and if banks raise interest rates, they will are unable to pay the monthly repayment to the banks for more than 3-6 months. The banks may then auction their properties until sell it at a much lower price than the market price.

I suggest that you select your target area and its surrounding area. Research and view the properties. By doing so, you will be able to identify bargain opportunities from motivated sellers. If you can find affordable secondary property near your workplace, you may buy now. If not, you may consider renting first until you find the right property. In the mean time you can also focus on increasing your savings and invest in yourself such as learning how to identify good investment grade properties. My view is that Option 2 is better than Option 1.

If you are purchasing the property as an investor, you should consider the value of the property measured by its yield (how much rental the owner can collect) and potential capital gain (difference between buying price and price if one were to sell the property at that point of time).

The gross yield is equal to (rental collected per month X 12 months/ divided by the purchase price) X 100%. For example, the purchase price of a double storey link house is RM400,000 and the monthly rental is RM800.The current average cost of borrowing is approximately 5%. When the cost of borrowing (5%) is higher than the calculated yield (2.4%), then purchasing the property as an investment would be considered as a liability.
The gross yield is calculated as (RM800 X 12 = RM9,600/ divided by RM400,000) = 0.024 X 100% = 2.4% yield.

On the other hand, if you can find property below market price having gross yield more than twice bank’s fixed deposit rate and has good potential for capital gain, then you may consider buying.

Currently, residential property purchaser/investor should consider below market price secondary property in a high occupancy area and avoid overly priced property and those far away from town.

For your case, you may consider opting for a sub-sale property as it is more certain than buying a house from a developer. Start learning and searching for the house in your target area until you find the right one.

Wishing you all the best in locating your property

When you Don't GIVE UP, YOU CANNOT FAIL!

Mohon bank longgarkan syarat pinjaman

KUALA LUMPUR 11 April - Persatuan Pemaju Hartanah Melayu Malaysia (PPHMM) berharap agar bank dapat memudahkan syarat pinjaman kepada ahli-ahlinya yang ingin memajukan tanah rizab Melayu.

Presiden PPHMM, Mohd. Wari Mat Zaki berkata, kesukaran mendapatkan pinjaman bank telah menjejaskan kelancaran projek pembangunan di tanah rizab Melayu.

"Kami berharap agar agensi kerajaan yang terlibat dapat membantu memudahkan ahli persatuan mendapat pinjaman dan seterusnya memajukan tanah rizab Melayu untuk membantu orang Melayu menikmati kehidupan yang lebih baik kerana kami dapat menawarkan harga hartanah yang mampu milik khususnya kepada orang Melayu itu sendiri," katanya.

Tanah rizab Melayu yang susut nilai sebanyak 20 peratus telah menyebabkan bank susah untuk meluluskan pinjaman kepada pemaju bumiputera, katanya.

Mohd. Wari berkata, PPHMM menganggarkan nilai pembangunan tanah rizab Melayu sekitar RM5 bilion dan dari jumlah itu RM1 bilion terdapat di sekitar Lembah Klang.

"Nilai yang besar ini dapat diagihkan kepada para pengusaha Bumiputera seperti kontraktor kecil jika bank dapat melonggarkan syarat pinjaman kepada ahli persatuan.

"Jika hal ini dapat direalisasikan, kami mejangkakan dalam masa dua tahun nilai kasar pembangunan yang bernilai RM1 bilion dapat diselesaikan," kata Mohd Wari pada satu sidang media di sini hari ini.

Selain itu, PPHMM juga berharap agar dana dan projek perumahan dari kerajaan dapat diserahkan kepada persatuan supaya persatuan dapat mengagihkan kepada ahli-ahlinya yang layak dan persaingan sihat dapat diamalkan.

"Kami juga mohon agar PPHMM ini dapat diletakkan dibawah seliaan Perdana Menteri Datuk Seri Najib Tun Razak supaya kami dapat bersaing dengan syarikat besar seperti syarikat Kerajaan dan seterusnya dapat memajukan para pemaju Bumiputera," katanya. - BERNAMA
Allah is always by your side, Insha Allah, Insha Allah, Insha Allah

Sasar jualan RM1.3 bilion

Sasar jualan RM1.3 bilion


KUALA LUMPUR 7 April - Gamuda Land mahu meningkatkan jualan hartanahnya kepada RM1.3 bilion bagi tahun kewangan semasa berakhir pada 31 Julai 2011 berikutan terdapatnya permintaan berterusan di negara ini.

Peningkatan itu juga akan dibantu oleh jualan projek hartanah di kawasan pembangunan perbandaran setempat iaitu Yen So Park di Hanoi, Vietnam.

Pengarah Urusannya, Chow Chee Wah berkata, sasaran itu akan dipacu oleh beberapa projek perumahan mewah Gamuda Land yang masih berterusan seperti Kota Kemuning (Shah Alam), Valencia (Sungai Buloh), Horizon Hills (Johor Bahru), Jade Hills (Kajang) dan Bandar Botanic (Klang) dan Madge Mansions di Jalan Ampang di sini.

Chee Wah berkata, sikap pembeli di negara ini yang melihat pembelian rumah sebagai pelaburan jangka panjang menjadi sebab mengapa sasaran itu mampu tercapai.

"Kadar faedah pinjaman pembelian perumahan yang rendah ketika ini akan membantu peningkatan jualan perumahan.

"Sasaran ini (RM1.3 bilion) bakal menjadi rekod terbaik dicapai oleh Gamuda Land setakat ini," katanya pada sidang media mengenai projek kondominium mewah, Madge Mansions di sini hari ini.

Bagi tahun kewangan lalu, jualan hartanahnya berjumlah RM800 juta, kata beliau sambil menambah sehingga suku ketiga tahun kewangan semasa juga, jualan oleh Gamuda Land sudah pun mencapai RM860 juta.

Kondominium mewah Madge Mansion yang dibina di atas tanah berkeluasan 0.8 hektar itu menawarkan 52 buah rumah. Setiap kediaman mempunyai keluasan dari 3,900 kaki persegi hingga 8,379 kaki persegi. Harga purata setiap kaki persegi adalah RM1,320.

Bagi setiap pembelian rumah, pembeli akan turut ditawarkan perkhidmatan seperti tukang masak, pembersih dan penjaga rumah dan pembantu aktiviti rekreasi.

Peluang tempahan telah dibuka sejak bulan lepas. Nilai pembangunan kasarnya (GDV) adalah RM320 juta dan kondominium ini dijangka siap sepenuhnya pada 2014.
Allah is always by your side, Insha Allah, Insha Allah, Insha Allah

Semi D, 2 storey, Seksyen 7, Shah Alam for SALE

Price : RM 1 370 000 Type: Houses, For sale Area: Shah Alam
Title type: Leasehold Tenure: 99 Other info: Bumi Lot
Size: 4575 sq.ft. Bedrooms: 5 Bathroom: 5
Property Type: Semi detached

-New unit, 2-storey semi-D @ Shah alam.
-5 bedrooms, each with own toilet.
-4575 sq ft(425 sq meter, High quality finishing.
-Seksyen 7, Jalan Platinum, Shah Alam.
-Please contact farred @ 013-3652380.

-Price: RM1.37M (Nego)

Allah is always by your side, Insha Allah, Insha Allah, Insha Allah