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Home Buying Steps Made Easy


Buying your first own property to be called home is another milestone achieved in your life. Whether it is for investment purpose or own stay, most people are still confused with the steps of buying a new house in Malaysia, or a home. Buying your own property may seem easy but when it comes to going through the procedures of buying a home, you then realize that you have missed out on many steps and wished you know the steps earlier so you could avoid the unnecessary troubles. In addition, there are also many schemes available for home buyers such as the My First Home Scheme.


Therefore, this article aims to guide you through the procedures and steps in buying new house in Malaysia and save you from unnecessary troubles. 


A. Planning ahead

First of all, be clear of what you want and stay within your budget. Many home buyers made the common mistake of rushing into buying new house in Malaysia and only to regret later because they missed out the main purpose of buying a new house. Try narrowing down your options and figure out your budget to see how much you can afford to pay before making such big decision. Also, you will need to decide on:

(i) Location
Location is an important factor as it makes a huge impact in your daily life. Firstly, you will need to decide if the property is for investment purpose of own stay. As for own stay, you may prefer to stay out of the jam and busy city and prefer a quieter place whereas if it is for investment purpose, you will need to know your target audience (students, families or working class adults) and address your target audience’s needs. Whether the location should be in the city centre, or right next to public transportation.

(ii) Safety
This will be the main concern of property buyers regardless of the purpose of property buying, be it for investment purpose or own stay. You will not want to stay in an area where crimes are largely committed.

(iii) Education institutions
This is also one of the important criteria that you should take into consideration, whether or not the property is for investment or own stay. If the property is for own stay and you have children, this will save you from the daily road congestion. If it is for investment purpose, the more education institutions will then attract more potential renters (students).

(iv) Proximity to amenities
If you are buying a property for own stay, closer proximity to your workplace will be a good option as you certainly do not want to be stuck in a massive traffic jam daily on the way to work. 

(v) Accessibility
Accessibility is important as you want to be connected to many major highways that lead you from one place to another easily. Bad accessibility does not bring any benefits to you even if you are staying close to a highway, say KESAS Highway. 

(vi) Size
In fact, size does matter when it comes to buying a new house in Malaysia. Take into consideration the purpose of buying a new house in Malaysia, own stay, family, or investment. 

(vii) Facilities 
The importance of facilities will differ across individuals depending on the buyer himself. A family staying in a condominium might want different facilities such as swimming pool and gymnasium whereas if it is for investment purpose and is only renting out to students, facilities might not be such a big issue as most students would prefer to stay in their own rooms. 


B. Do your preparation

After planning, you need to start with your preparation. Break down the costs that you need to deal with if you were to buy a new house in Malaysia. These will include:

(i) Property Price
Based on your planning above, you will need to start with checking out of the property price after the above considerations. Location of property will decide the property price. Properties in a prime area such as Kuala Lumpur City Centre will always be on the higher price range as compared to those not in the city. Therefore, start your research early, keep a spreadsheet and start comparing prices of properties from different property developers. 

(ii) Type of Loan
Decide which kind of loan that you would opt for as there are a different kinds of mortgage loans for you to choose from when you buy a house in Malaysia: 

1. Standard Home Loan 
The most common housing loan available as the interest rates of the loan are fixed from the moment the property buyer obtains the loan, regardless of the Overnight Policy Rates (OPR) changes or market changes. Benefit of this loan is that property buyer who obtains this loan will have a peace of mind as the fluctuation of the market will not affect the interest rates.

2. Flexi Home Loan
This loan is another alternative option of Standard Home Loan. The interest rates are lower as the buyers place more money into the account, therefore, is suitable for property buyers with more cash flow. Another benefit is that if there are any changes in the market, the loaners get to enjoy the changes of rates as well. As the name mentioned, it is also flexible as it allows loaner to take out the money anytime.

3. Islamic Home Loan
This loan is specially tailored for the Muslim with similar benefits as the Standard Home Loan, however, uses the Base Finance Rate(BFR) when it comes to deciding how much is the bank earning from the Islamic Home Loan. 


(iii) Downpayment
After deciding on which house to buy in Malaysia, here comes the down payment. Usually, a property’s down payment will be fixed at 10%, depending on how much bank loan you have secured. In other words, if the bank is providing you with a 90% loan, you will then only need to pay a 10% downpayment. 

(iv) Sale and Purchase Agreement Fees
Next, the Sale and Purchase Agreement Fees (S&P). This is an important document with the blueprint of the property and it is charged accordingly to specific price tier that is based on the price of property the buyer buys. 

(v) Loan Agreement Legal Fees
After that, property buyer will then need to pay for Legal fees. These fees are charged depending on the time and expertise of the engaged lawyer, and also the price of your property. 

(vi) Stamp Duty on Memorandum of Transfer
The Memorandum of Transfer (MOT) fees will be the final fees to be paid by home buyers upon the completion of development. These fees are for the ownership transfer of property to the home buyer, also known as the rightful owner, and will only start to be transferred around 6 months after the development’s completion. These fees too, are charged according to a price tier based on the price of the property, along with 6% government tax and a RM1,000 - RM1,500 disbursement fee. 

However, do note that there are other costs that need to be taken into consideration as well when you purchase a property, such as: 
  1. Mortgage Level Term Assurance 
  2. Fire insurance 
  3. Loan installment 
  4. Interest 
  5. Utilities deposit for electricity and water 
  6. Renovation and repairing costs 
  7. Maintenance fees 

Lastly, the signing of documents. After your planning and preparing sessions, buyers will then proceed to the signing of Letter of Offer to indicate that the property purchaser accept the bank loan, followed by the signing of the Sales & Purchase Agreement. After that, it is signing of Loan Agreement and you are done. This is an agreement between the property buyer and the bank and all the terms and conditions of the loan will be clearly written in the Loan Agreement. 

In conclusion, the procedures of buying a home on your own is not difficult as long as you plan ahead and stay within your budget. Remember to always be realistic as you do not want to get yourself into a financial burden after getting a home. 






Marsha
Part Time Blogger
Niche Lifestyle, Parenting, Healthy, Beauty & Travel
Collaboration & Review Blogger
Shaklee ID shoot to Master Coordinator 2020
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Assalamualaikum & Hi Everyone!!!


As we know, Cannis APP is among the most popular apps in the current era. Only in one application we can spend and earn money easily. I already wrote about Cannis mobile APP before. For those who want to know more about Cannis APP, you can read my old post at here. Already know about Cannis APP?? Let's check out the latest news about Cannis APP | 7 in 1 Cannis Mobile APP Is The Hit Now And Going To Be Listed In NASDAQ In 2021!! 

7 in 1 Cannis Mobile APP Is The Hit Now And Going To Be Listed In NASDAQ In 2021!! 



Cannis mobile APP accumulated hundred thousand of users in less than two months time, forming a new APP trend, and is bound to become the upcoming greatest star in Nasdaq, United States. Cannis continuously invests in the most popular industries since early 2018, namely the technologies, films, beauty, preventive medicines, latest technology farming etc.. With the corporation with their strategic partners, Cannis have well extended their markets in many South East Asia countries rapidly, and expected to soon be listing on Nasdaq.


Chief Executive Officer Dato’ Ching Eu Boon also stated during Cannis’s 3000 pax conference “The Upcoming Greatest Star in Nasdaq” that Cannis’s partnership are not limited to latest technologies, such as the digital technology, huge database, artificial intelligence, but also with filming, preventive medicines and beauty industries.


“We are very much looking forward to the strategic corporation with said industries in winning users’ entrustment and enhancing the users’ end seamless O2O experience.”

App Download and Users’ Spending Set a New History-breaking Record, Cannis is born in  the best era


The third quarter of year 2018 has been the most profitable season for the App Stores. The comprehensive app download amount in said season on App Store and Google Play has exceeded more than 29 billions, 10% increment as compared to the past. While the globally consumer spending has reached nearly 20 billion US dollars, an increment of 20% in comparison to the same season in the past, both set a new historical record.






Analysing the App categories under increments of downloads,  games, entertainment and video broadcasting App have been the most downloads and are found as the factors. The strong performances of the two latter types of Apps show a general demand of market for creative contents.

Overall, the third quarter of year 2018, App Store and Google Play both had historical higher downloads and consumer spendings. This fully demonstrated the market trend of an App, which continues to rise depending on the popularity of smartphone usage, providing a non-stoppable spendings and considerable development potential.

Cannis focuses on the fastest-growing industries, providing an integration platform, creates a powerful 7-in-1 function. 

A perfect Virtual-Reality combined O2O Mode


Cannis App not only incorporates innovative functions every month but also selectively invest huge funds on offline trending industries, hoping to connect offline customers’ overall spending flow with online databases, so as to start building the O2O model, letting the front-end marketing promotions, on- and offline member streaming efficiently, and back-end goods delivery services become smoother.


In terms of member diversion, Cannis members are applicable for both online and offline discounts, including any purchases at Cannis’s strategic partners’ retail stores. Online points can be used to make discounts, helping consumers to save money. Participating in a series of Cannis-designed competitions also allow members to win grand prizes through sharing.

The Chief Operating Officer of Cannis, Mr. Mohammad Mustaqim Bin Abdullah stressed that the platform will actively carry out comprehensive layout for online and offline services, so that the physical store is no longer restricted by the size or regional restrictions of the space. Through the mode of Cannis e-commerce and preferential shopping, the merchants information can be passed through at the lowest cost to a precise targeted market, therefore maximising the advertising effectiveness.

Cannis Strategic Partners


Strategic partners present on the day include EMPRO’s Dr. Coco Alex; Producer of Da Motion Production House, Encik Along; Creative Director of (凯优影视控股有限公司), Miss Bo Bo; LongTV Sdn. Bhd.’s Mr Chis Yen; Weber PDT Cancer Treatment Health Centre’s Prof. Madaya Dr. Martin E. Roberts; CEO of (名资股份有限公司), Mr. (蔡逸群) and Dr. DNA Mr Jannings Lee.



The Honorary Consul of the Slovak Republic, Tan Sri Datuk Sri One Tee Keat said that Cannis has a keen sense on trend development. Through big databases analysis, they accurately learn the real needs of consumers. The rich ethnic culture in Malaysia also helps enlarging the business to the world, attracting future strategic partners. Whether in the media marketing or development strategies, their performances have been remarkable. 

Cannis is the world’s first integrated app that provides consumers with this wide range of App services, live broadcasting, e-commerce, discount shoppings, social networking, short videos, games and payments, can all be found on Cannis App. Cannis is convinced that having Malaysia’s diverse ethnic groups and culture as the starting point, it is easier to expand Cannis from South East Asia to the rest of the world. 


For more information, please visit 

http://cannis.app.



Marsha 
Part Time Blogger 
Niche Lifestyle, Parenting, Healthy, Beauty & Travel 
Collaboration & Review Blogger 
Shaklee ID shoot to Master Coordinator 2018
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Assalamualaikum

Susu dengan Marsha memang tak dapat dipisahkan. Dari kecil Marsha memang minum susu sehinggalah sekarang. Ia memang 'favorite breakfast' Marsha. Masa kecik suka minum & juga makan bersama cereal. Sekarang pun masih sama. Kalau tak minum terus, Marsha akan makan dengan cereal. Ia juga telah di wariskan kepada anak-anak Marsha terutamanya Kakak Anith. Kakak Anith memang penggemar susu macam ibunya juga. Semua perisa dia suka. Tapi yang paling favorite ialah susu asli & juga perisa coklat. Susu akan jadi menu utama buat Kakak Anith bila memulakan sarapan pagi untuk kekal lebih bertenaga. Memandangkan pelajar sekolah rendah sekarang pun melalui hari-hari yang 'hectic'. Dalam banyak-banyak jenama susu, ada satu jenama susu yang menjadi pilihan Kakak Anith dan semestinya pilihan kami sekeluarga. Nak tahu?? Jom baca sampai habis | 100 Mmmmm.....Susu UHT Fernleaf Menawan Hati Marsha Sekeluarga

100 Mmmmm.....Susu UHT Fernleaf Menawan Hati Marsha Sekeluarga

Kalau dulu-dulu, susu Fernleaf ni hanya didapati dalam bentuk serbuk. Kalau nak minum mesti kena bancuh dan akan juga air suam. Tapi sekarang ia telah di formulasikan secara UHT dan dipekkan dalam kotak yang membolehkan penggemar susu macam Kakak Anith dapat menikmati susu Fernleaf yang lemak berkrim ni dimana-mana sahaja tanpa perlu membancuh. Hanya masukkan straw dan terus minum. Sesuai dengan keperluan sekarang yang agak hectic.

100 Mmmmm!!!


Mesti korang tertanya-tanya kan apa yang menyebabkan susu UHT Fernleaf ni menjadi pilihan Marsha sekeluarga? Haaa....ada  3  sebab mengapa ia menjadi pilihan. Nak tau tak??

Mengapa Susu UHT Fernleaf Menjadi Pilihan Marsha Sekeluarga?

1. Lembu Tenusu Yang Dibiarkan Bebas Meragut Rumput Yang Berkualiti Tinggi

Kalau korang nak tahu, tak semua lembu tenusu diberikan rumput sebagai makanan utama. Ada yang diberikan makanan konsentrat iaitu selain rumput. Korang boleh google tentang makanan Konsentrat sebab Marsha tak nak ulas lanjut tentang makanan ini. Apa yang Marsha nak bagitau ialah lembu tenusu yang menjadi pilihan untuk Susu Fernleaf dibiarkan bebas meragut rumput yang berkualiti tinggi di ladang mereka sendiri. Mereka mengusahakan ladang secara semulajadi dan hasilnya, susu yang dihasilkan mempunyai sumber makanan semulajadi kaya dengan kalsium yang mudah diserap dan digunakan oleh tubuh badan.

Ia juga mengandungi banyak nutrien penting lain seperti Protin yang berkualiti tinggi, Vitamin A dan juga Vitamin D. Dengan menghabikan 90% masa untuk meragut rumput secara bebas pada hari yang cerah, lembu tenusu secara tidak langsung mendapat kandungan Vitamin D yang sihat. Jadi lembu tenusu tersebut menghasilkan tahap vitamin D yang tinggi berbanding lembu tenusu lain yang sering terkurung dalam kandang. Ketiga-tiga vitamin ini sangat penting kepada tumbesaran anak-anak yang aktif. 

2. Pengeluaran Susu Secara Natural

Lembu yang happy akan mengeluarkan susu secara natural dan tidak dipaksa. Ini kerana dengan rumput yang berkualiti tinggi, iklim yang selesa, udara dan air yang bersih, lembu tenusu menghasilkan susu secara semulajadi tanpa memerlukan sebarang bentuk penggalak susu. Ini bermakna kita akan mendapat hasil yang gembira dari lembu tenusu yang gembira. Yeayyyy!!!

3. Pakar Tenusu selama 140 Tahun

Fernleaf sendiri mempunyai peladang-peladang yang pakar tentang ladang dan juga lembu tenusu. Atitude mereka yang baik dan berdedikasi memastikan kualiti tertinggi pada setiap peringkat. Jangan terkejut jika Marsha bagitau mereka telah berpengalaman selama 140 tahun. Para peladang memastikan kualiti tertinggi padas setiap peringkat pengeluaran susu bermula daripada air yang bersih, rumput yang berkualiti tinggi sehinggalah produk sedia untuk diedarkan kepada pengguna.

Menarik kan? Ini yang membuatkan Susu UHT Fernleaf ini menjadi kesukaan Marsha sekeluarga. Memang tak tukar lain dah!!...hihi.


Jadi marilah layan Marsha dan Kakak Anith bergembira dengan susu UHT Fernleaf ini bersama straw hipsturrrr!!!!

Kakak Anith bersama Susu UHT kegemarannya

Nak join juga minum guna straw hipsturrrr!!



Korang nak cuba Susu UHT Fernleaf ni? Boleh dapatkan dimana-mana pasaraya dan juga kedai runcit seluruh Malaysia tau. Susu UHT Fernleaf ini didatangkan dalam 3 variasi iaitu Full Cream, Low Fat dan juga Coklat. Jadi boleh pilih kegemaran korang yang mana...hihi. Kalaulah dapat ke New Zealand memang nak melawat ladang mereka yang best ni!!



Marsha
Part Time Blogger
Niche Lifestyle, Parenting, Healthy, Beauty & Travel
Collaboration & Review Blogger
Shaklee ID shoot to Master Coordinator 2018
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