5 things a property investor should remember

The property market has cooled down a fair bit. Singapore has seen two consecutive years of price declines. Malaysia, meanwhile, has seen transaction volumes drop significantly and prices stagnate. Popular overseas investment destinations such as Melbourne, Sydney and London appear to be near their peak, with large incoming supply. The gap between buyers’ and sellers’ expectations is still too big and there does not seem to be much good news on the horizon for either party.

On the ground, we are seeing smaller crowds at show flats and property shows. Property agents are getting fewer enquiries and are seeing lower returns on their marketing dollar. A net total of 1,492 agents left the industry in the Council for Estate Agencies’ registration period ended March 2015.The figure is expected to rise in the next renewal exercise, which ends Oct 31.

In these times of despair and low morale, itis important to remember a few rules on property investing so that your decision- making remains solid.

Property markets work in cycles

What goes up, must come down. So say the critics of the property market who believe that prices must drop further in order to stimulate buying. But the lows of the current cycle are rarely lower than the lows of the previous cycle. Singapore property prices during the downturn of 2009 were higher than those in the stagnation years of 2001 to 2006.

Property prices in Singapore will drop further, but it is likely to be a very gradual drop and unlikely to return to 2009 levels. With more than 80% of citizens owning homes in the city state, the government will intervene to prevent a sharp price fall.

On the other hand, if you look at the glass as half full, having a property cycle also means that at some point in the future, prices will have to inch back up. And one factor driving prices back up is inflation.

Inflation is a property investor’s best friend

A lot of recent discussion about the property market is on supply versus demand. Less has been said about the impact of inflation on prices. A bowl of noodles today costs $4 versus $1 some 30 years ago. People complain about the cost of living and how it only goes up. Similarly, the same can be said about construction and land costs. At some point, the replacement cost to construct a new property will be as high as, or higher than, the price of existing properties. This will push property prices upwards.

Singapore has a historical inflation rate of between 2% and 3%; Malaysia’s is in the 3%to 4% range. Property is a hedge against inflation, so the average annual price appreciation of a property over the long term should at least match inflation. The compound annual growth rate (CAGR) of private property prices in Singapore since 1993 is about 4%per annum, so it has actually outpaced inflation. In Kuala Lumpur, the CAGR since 2000is 6.5% per annum and in Johor, it is 3.2% per annum (although in 2011 to 2013, Johor grew faster than KL and Singapore). This is how the old adage “buy properties and wait” came to be.

If you can hold the property for five to 10 years, your price appreciation would be substantial even if you bought an average property at an average location. Too many investors get cold feet during the down cycle and exit too early, which brings me to my next point.

Stop micromanaging your investments

If your rents have dropped or you have trouble finding tenants, doing a quick sale to exit the investment is often not the best option.

Transaction costs for real estate are high and the property market is an extremely illiquid market, especially during a down cycle. This means you will take a longer time to find buyers and to transact. If you hold the property for a short time frame, you will not enjoy significant capital appreciation, and after taking away your transaction and holding costs, you will not make any money. This applies to Malaysian property investments as well. Singapore-based investors who buy into overseas markets such as Malaysia tend lose confidence easily as they have poorer visibility compared with locals.

This is the property market, not the share market! Do not get infected by “short-termism” and start dumping your investments during a down cycle. It is better to stay invested throughout the bad times and reap the rewards when the upcycle returns. If you have to lower your rent further to attract a tenant, it is still preferable to collecting nothing. An occupied property is better than one that is left empty.

Unless they are financially distressed with no job and income, I recommend property owners hold on and grab any qualified tenant they can get. If too many owners panic and sell, they will create a self-reinforcing downward pressure on their property price, which won’t end well.

The world environment is fragile. Guess what, bad news is not new.

One of the most important insights for an investor to understand is that no matter how intelligent he is, he will not be able to predict all the events of the next five years.

Today, China is slowing down, Europe is still weak and the US recovery is patchy. There is war in the Middle East and commodity economies such as Russia and Brazil are struggling. Singapore has just narrowly avoided a technical recession. Malaysia and Thailand are experiencing political issues and with Indonesia, it is always about the haze. It is hard to predict what other disasters or major events can happen.

Yet, life goes on. The civilised world has gone through numerous tumultuous events, many of which were worse than the ones we are experiencing now. We will survive and society will move forward. We just have to be in the position to reap when the harvest is ready.

Try being greedy instead of being fearful

Most investors I speak to today are fearful, and they have many valid concerns. There is a flip side to this situation. In this down market, the deals on offer are getting better. If we predict that this down cycle will stretch for another year or two, there is a lot of time for these deals to become fantastic. But you will only be aware of such deals if you are actively seeking them.

Unfortunately, too many people out there are still being influenced by bad news and are sitting out the market at a time when they should be paying it full attention. Try to look at the market greedily, rather than fearfully. A good investor buys low during the down cycle and sells high. A bad investor buys high in an up cycle, and tries to sell higher.

If you can remember the five points above, I think you will sleep better at night and perhaps look at the property market tomorrow in a different light. Property investing is fun, exciting and full of opportunities — but only if you choose to make it so.

By Ryan Khoo / Alpha Marketing, The Edge Property 

Debating DIBS for the property market

THE Government is considering housing developers’ request to reintroduce DIBS (Developers Interest-Bearing Scheme) for first-time house buyers.

Minister in the Prime Minister’s Department Datuk Seri Abdul Wahid Omar says the Government is discussing whether to relax current buying and lending guidelines for first-time house buyers.

“It is still at the discussion stage,” he says after the opening of the 2015 Malaysia Property Exposition (Mapex) on Friday. Today is the last day of the expo, which is being held at the Mid Valley Exhibition Centre, Kuala Lumpur.

“As much as we want to promote home ownership, it is important that we make sure that home ownership comes with the ability to service the loans.


“The last thing we want is to force people to own homes and take up loans which they are not able to service later.”

But he says the Government recognises the request by the Real Estate and Housing Developers’ Association (Rehda) to see how they can help young families who are renting and, at the same time, are in the process of buying their first house.

“If they were to buy a house now, it takes three years to complete and they have to continue paying rental for the house they are staying in. But at the same time, once their loan is disbursed progressively for the house they bought, they have to service it, and some people can’t deal with both together (house rental and house loan instalment at the same time),” says Wahid, explaining why developers have requested for DIBS to be reintroduced for first-time buyers.

DIBS is a scheme in which the developer absorbs the interest of the housing loan during the construction period, which means that the house buyer does not need to service the loan until the house is completed, which usually takes about three years from the time the development is launched.

However, this has led to excessive ­property speculation, as people who could not really afford the loans were using DIBS to buy properties because they could do it without putting down any of their money, with the intention of selling – or flipping – the house upon its completion to make a quick profit.

The other widely acknowledged issue with DIBS is that when developers absorb the interest from loans for house buyers during the construction period, they ­inevitably pass that amount down to the house buyer in the form of higher prices for the completed house compared with prices for a house without DIBS.

In November 2013, Bank Negara tightened lending guidelines and curbed DIBS.

When the 2016 Budget was announced recently, the First House Deposit Scheme was introduced with RM200mil allocated to help first-time house buyers afford their down payment.

Wahid says the Government has not yet determined whether this will also apply to second-hand homes or be confined to newly-built property only.

“The main intention is to assist first-time home buyers. It is important to observe the spirit and intention. We appreciate that for many young families to come up with that 10% down payment can be challenging.”

As for complaints that people are finding it hard to secure housing loans because the regulations have been tightened, Wahid says that when the Govern­ment surveyed the banks, the banks told them that the rejection rate for loans is less than 20%.

“This is where we need to look at the detailed data because there might be some screening at the developers’ end.”

He says the cooling measures the Government introduced over the past few years, such as responsible lending guidelines, have had their desired impact in curbing excessive speculation and moderating rapid growth in household debt.

He makes it clear that these measures are not meant for first-time house buyers but rather for those who are buying their third property onwards.

For Wahid, it is crucial for developers and those in the property sector to innovate and embrace new technologies to keep costs low.

He points out that the construction industry is facing productivity-related issues that need to be addressed.

These issues, according to Wahid, include a low-skilled work force, inadequate or a mismatch in training and development, over-reliance on low-skilled foreign labour, limited adoption of modern practices, mechanisation and industrialised building systems (IBS), the lack of data and information-driven decision-making, and a limited adoption of information technology such as building information modelling.

However, Rehda president Datuk Seri F.D. Iskandar Mohamed Mansor claims that 50% of housing loans are being rejected and urges the Government to relook some of its cooling off measures.

“It has taken a toll on developers. We are facing challenging times,” he says.

He says it would help if developers are given GST relief for constructing low-cost and affordable homes.

Iskandar also says another issue affecting the industry is rising “compliance costs”.

When they build something, he says, there are Federal Government and State Government regulations to comply with, and doing so can be costly.

Citing new infrastructure costs, he says this is now being passed down to the developers when it was not the case five to six years ago.

He says land takes up 15% to 20% of the development cost, and compliance costs, which used to be about 5%, now has gone up to 20% in some states.

The Star

What you Should Know Before Buying a Real Estate

What are all the possible costs and charges when I intend to purchase an apartment/ condominium?

If you purchase a new house/apartment directly from developer Initial Deposit - minimum 10% of property value or depending on the offer.

• Loan application processing fee(Some bank waive it depends on package offer) 
• Insurance(MRTA & Fire Insurance) if you take the housing loan) 
• Stamp Duties 
• Legal fees and costs 
• Utilities deposit (Electric & Water) 

If you purchase a sub-sale house/apartment from a vendor

• Loan application processing fee(Some bank waive it depends on package offer) 
• Insurance(MRTA & Fire Insurance) if you take the housing loan) 
• Valuers' fees and costs 
• Stamp Duties 
• Legal fees and costs 
• Utilities deposit (Electric & Water) 

Who are real estate agents and how much should I pay for their service?

Registered Estate Agents are estate agents registered by the Board of Valuer, Appraisers and Estate Agents, Malaysia. Their agency fee for service rendered is a maximum of 3% of the sale price of the property.

What is a valuation report and how much should I pay for a valuers fee?

A valuation report is a report of survey carried out by the bank to ensure that the house's value is not less than the proposed loan. For those who are applying for housing loans from banks, a report by a Real Estate Valuation firm recognized by the banks is needed. Between of RM300 - RM800 is a normal fee for an average apartment valued.

How do I pay for the purchased unit and when should I pay?

If you purchase a new unit directly from a developer The purchase price of the apartment shall be paid by you to the developer by installments as prescribed in Third Schedule of Sales and Purchase Agreement (Schedule Of Payment Of Purchase Price). Every notice referred to in the Third Schedule requesting for

WHAT YOU NEED TO KNOW BEFORE SELLING A PROPERTY

A Registered Estate Agent can market a property under the following types of agency :

Exclusive Agents
Only one agent is appointed and the owner cannot sell on his own

Sole Agents
Only one agent is appointed and the owner reserves the right to sell on his own 

Joint Agency
either two or three Agents are appointed to sell 

Adhoc/General
any number of Agents can be appointed to sell and All appointments are to be in writing


How do Estate Agents handle Earnest deposits?

• Agree to pay to the Agents clients account as stake holders 
• Money to be placed in clients account without delay 
• Proper records must be kept on the placing of the earnest deposit 
• Temporary receipt is to be issued upon collection of the deposits 
• Money to be left in clients account until SPA is signed or when all conditions become unconditional. 
• When fees become due to the REA, the agent can draw down from the clients account and pay to the companies account the fees due and payable. To issue balance payment to client. 
• Not to deduct any cost or charges from the EDv unless the client has given authority to do so 
• Monies received in the form of cash and are without delay paid in cash in the ordinary course of business to a client or on his behalf to a third party in the course of the day need not be banked into the clients account

What are the advantages of engaging the Real Estate Agent in a sale and purchase of a property?

• They are registered with the Board of Valuers, Appraisers & Estate Agents 
• They are governed by an act of Parliament 
• Estate Agents are recognized by the government 
• They are qualified, knowledgeable & experienced 
• They are accountable to the clients for their actions 
• They understand and know laws relating to property transaction 
• They are well informed about currents events 
• They are accountable for monies collected - clients account 
• Real Estate Agents save time & money - do it right the first time around 
• Real Estate Agents advise on property values and negotiate prices 
• The Vendors life is much easier as the Agents take care of the small details 

Essential matters that must agreed upon by both the client and the Estate Agent before putting up the property for sale

• Personal details of sellers 
• Check the title to verify registered owners/details of the property 
• Get a copy of the sale & purchase agreement 
• Confirm Type of Agency & marketing period 
• Confirm the Selling price & earnest deposit to be collected 
• Completion of sale & when is vacant possession 
• Agree on promotional activities like open house, ads, signboards etc 
• Agree on Fees payable to Real Estate Agent plus service tax 
• Agree when fees become due & other cost if any 
• Agree on payments to be made to Estate Agents and understand the operation of the clients account

miea.com.my

马来西亚购房“贷贷平安” 正确规划房贷偿还计划

银行严批房贷，中低收入群首当其冲，民众买房看银行脸色，不仅首间房屋遥遥无期，连可负担房屋也无法负担。

政府提供的可负担房屋房贷计划你了解吗？哪家银行房贷利率最低？每个月房贷供款是否在可负担范围内等问题，困扰著许多首购族。

安达集团进军柔州房产，打造ARC @ Austin Hills服务式公寓, 毗邻奥斯汀山庄高尔夫及乡村俱乐部, 前往新山关卡(CIQ)只须17分钟车程。

本文根据所得资讯，特设中低收入群房贷作战策略，让你在房贷紧缩期间，也能够“贷贷平安”。

买屋前

先了解偿还能力

近几年，国家银行积极打房，虽然成功抑制房价飙涨，无形中也导致许多中低收入群申请房贷被拒。

这对首购族而言，是一项沉重的打击，同时也显示买家的经济能力，还无法负担该项房产，才会导致房贷不获批。

因此在买房前，首购族有必要先瞭解个人可偿还贷款的能力，如每个月的债务负担、可支配收入、储蓄等因素，过后才根据经济状况，申请较有可能获批的房贷，降低被银行拒于门外的几率。

考虑可提供最低房贷利率银行

由于每月房贷偿还数额将视贷款额、利率及偿还期限而定，利率越高、期限越短，偿还数额也将随之走扬，故申请房贷时，仅考虑可提供最低房贷利率、最长偿还期限的银行。

根据资讯网站iMoney.my的房贷利率搜索引擎，国内银行提供10万至50万令吉贷款数额、30及35年期限的最低房贷利率介于4.40%至4.45%。

如果是25岁计划买房，贷款期限较有可能拖到35年，若贷款50万令吉，年利率4.4%，每月需偿还2千335令吉的房贷。

如果是30岁买房，贷款期限可能缩短至30年，即使50万令吉贷款年利率维持4.4%，可是每个月需要偿还的贷款将增至2千504令吉，比35年期限多了169令吉。

勿忽略个人实际财务状况及年龄

若申请者刚好30岁，每个月只能负担2千令吉房贷，如果贷款50万令吉，则有很大可能因无法负担每个月房贷而被银行拒绝。

为顺利获得房贷，最有效的方法是购买符合个人“房贷偿还能力”的房屋，比如每个月只能偿还2千令吉，就该根据年龄，选择偿还数额低于2千令吉的贷款配套及屋子，而不是根据喜好及房屋售价申请房贷。

无可否认，很多人都会先以个人喜好为出发点购买房子，忽略了个人实际财务状况及年龄是否可承担此价位的房屋。

月供款

只佔收入三分之一

在雪隆区，尤其是需求高企的有地房产，售价可能是公寓的3至4倍，即使是可负担房屋级别的产业发展计划，每单位售价约在40至50万令吉水平。

这对每月收入仅几千令吉的首购族而言，根本无法负担，如果是月入4千令吉的打工族，计划购买50万令吉可负担房屋，向银行贷款90%——即45万令吉，以35年贷款期限计，每个月须偿还约2千116令吉房贷，已佔超过半数收入。

一般上，每个房贷月摊还数额，只能佔个人或家庭收入的三分之一，若是个人申请，月入4千令吉打工族将无法获银行批淮贷款，因这已超出个人的房贷偿还能力范围。

单身人士可与家人联名申请

但若是一对收入各4千令吉的年轻夫妇一起申请，总收入达8千令吉，每月2千116令吉房贷偿还率不及总收入的三分之一，故房贷获批几率较高。

至于单身人士，解决方案之一是与家人联名申请，或者缴付更高头期款额，减少向银行贷款的额度，降低每月需偿还的房贷数额，则有可能获银行批淮房贷。

如果两者皆不可行，唯一的方法是降低购屋标准，放弃订价较高的有地房产，改买较符合个人偿还能力的公寓。

中低收入群

“高不成低不就”

基本上，以最长偿还期限35年计，收入最低1千令吉者仅可贷款6万令吉，若根据10%头期计算，首购族只能买得起售价7万令吉的产业，就算是两人收入合计至3千令吉，只能购买订价23万令吉的房屋。

以目前雪隆区的屋价来看，只有“我的雪兰我房屋”（Rumah Selangorku）的A及B型房屋符合1千至2千令吉低收入群的需求；至于收入介于2千至3千令吉的首购族，有较多选择，包括我的雪兰我房屋及一马人民房屋计划（PR1MA）。

至于收入介于4千至5千令吉的中低收入群，由于可负担的房屋价格介于30万至40万令吉，属“高不成低不就”水平。

不仅购买政府可负担房屋被抽中几率低于低收入群，打算购买私人发展商所谓的“可负担房屋”，又因售价超越可负担范围而被银行拒于门外，为所有收入群裡的“孤儿”，有意买房却苦无适合经济状况的贷款及房屋。

6千至8千令吉中高收入群，可负担范围则在45万至60万令吉；9千至1万令吉的高收入群，可负担70万至80万令吉房屋，购买私人发展商推出的产业发展计划暂不成问题，但随著生活水平走高，未来可能也难以负担。
目前一马人民房屋计划在巴生河流域推出的房屋售价介于16万至34万令吉，至于雪州政府主催的“我的雪兰我房屋”计划，售价介于4万2千至25万令吉。


资讯来源：（瑞投资网/南洋商报）

房产指南：马来西亚房产出租前五大准备

多重降温措施后，马来西亚房价还是压不下来，市场上消费者或从购屋转向租屋，租用需求料上升。

身为屋主，若要趁势将马来西亚房产出租，务必了解该市场的基本知识及操作法则。

马来西亚房屋的租用市场可能不像其他国家般，具竞争力，且随着房价飙升，业主要找到能出租，创造正现金流的房产已不容易。

但与此同时，房价不停上升，租屋需求相信也会随着上升。

如果你打算购屋出租，可参考我们的房屋贷款计算器，计算贷款的分期付款和其他置业所涉及的成本。

通过深入的研究和良好的个人财务管理，出租房产仍可为你累积财富。

接下来，让我们将谈谈以下几点：

1.租金

虽然租金是浮动的，但如何定价，屋主必须心中有数。要如何获知合理租金，以下几个方式都值得参考。

房产经纪：这是最快，也可说是最容易的方式。免费咨询，市场价格依据中介的个人经验和数据库资料而定。

网站：市面上已有好几个房产出售/出租单位的网络交易平台。

可通过其它类似单位业主/经纪所开出的租金来估计你的单位合理租金。

个人调查：也可选择在你单位坐落的社区里兜几圈，亲自收集数据。以这方式收集来的数据，或许有些误差，但不失为一个粗略的参考。

2.调整

现在你心里对租金已有个谱，接下来可以单位内所备有的设备及设施做为基准，调整你的单位租金。影响租金的事项包括：

*浴室和厨房设备，如微波炉*新油漆或清理的墙壁*停车位数量*独立/私人入口*保安措施，如保安人员，门禁社区等*提供全部家具、部分家具、或不提供家具*视野（适用于组屋或公寓）*其他设备包括游泳池和健身房谨记以上几点，可从中整理出适合你单位并附竞争力的租金。

3.出租成本

出租房屋涉及多项成本，其中一部分由租户承担，另一些则由业主负责。

租户将支付律师费和印花税，而业主将支付房产经济的代理费用和佣金。然而，这些只是单次费用。

长远来说，业主也必须承担单位的年度维修费，包括物业管理费、法律和会计、保险、清洁、维修、供应、税务、水电费、贷款分期付款、门牌税和地税。

业主的租金收入将会被征收高达26%的税率。业主必须注意，有些出租成本可扣税，有些则不能。业主应当在决定将房产出租之前，将以上的因素考虑在内。

4.租金带来的现金流

房地产投资的最终目地是创造正现金流。租金收入也是房产投资的其中一项好处。那么，如何计算流动资金？

租金收益–空置和信贷损失–出租成本–贷款分期付款=流动资金

例子：

1.每年租金收入：每月RM1,800×12=RM21,600

2.空置和信贷损失：估计占总租金收入5%=RM1,080

3.每年维修费：RM6,000

4.贷款分期付款：每月RM1,100×12=RM13,200

RM21,600–RM1,080–RM6,000–RM13,200=RM1,320正现金流

只要你的投资产生正现金流，你处于优势。接下来就要计算租金回酬。

租金回酬让投资者更清楚预计未来的回酬，以助做出适当的投资决策。

从以上流动资金的例子：

假设房产的市价为50万令吉

租金回酬：（每年租金收入-空置和信贷损失）/市值（RM21,600-RM1,080）/ RM500,000=4.1%

净租回酬：（每年租金收入-空置和信贷损失-开销）/市值（RM21,600-RM1,080–RM6,000）/ RM500,000=2.9%

现金回酬：（每年租金收入–空置和信贷损失–出租成本–贷款分期付款）/市值（RM21,600-RM1,080-RM6,000-RM13,200）/RM500,000=0.264%

5.风险

现在我们谈谈出租房子所涉及的风险，就像所有其它形式的投资，必须加以警惕。

空置：控制的单位无法为你提供租金收入，而你却必须继续承担贷款分期付款和维修费用。

租户：租户破坏你的单位或不支付租金都会为你带来金钱损失。

负现金流：租金收入不足以支付成本，将造成负现金流。

虽然没有什么投资是无风险的，但进行背景调查和研究将助你做出更好的决策，降低风险。


资讯来源：（瑞投资网/南洋商报）

月入RM5300 —可負擔房價 多少？

黃先生，今年26歲。我打算明年在吉隆坡買間雙層排屋，以我目前的資金，可以購買到多少錢的屋子？可以用公積金儲蓄來購買嗎？

我在酒店業工作，目前單身，一個月工資凈值5千300令吉，另外有兼職，不過收入不定，兼職收入大概在200至300令吉之間。

每個月花費包括房租600、電話費50、上網費+水+電+煤氣費100、娛樂和伙食300、公積金500、家用500，剩餘的存起來，酒店有提供一餐伙食。

另外，在新加坡銀行存有9千新元，是之前在新加坡工作所存的，還沒提出來。剛買了儲蓄保險，一年供5千令吉，一共要供6年，打算用每年的花紅來支付，沒有信用卡，沒有購買債券和股票，也沒有購買車子，銀行目前存有1萬令吉。



答：黃先生收入豐厚，加上年輕，購買房屋條件綽綽有餘，在沒有車貸的情況下，以凈收入5千300令吉為計算基礎，每月供期在1千800令吉之間。

如果以供期30年、分期付款1千800令吉作為參考，黃先生可以領取38萬令吉的貸款，可以考慮的屋價最高是在42萬令吉之間。

銀行是以凈收入作為批准考量，兼職收入、額外收入如花紅、超時津貼，都不在考量的範圍，因為這些被視為不穩定收入，時多時少，不能作為標準。

不過，黃先生必須確保首期屋款的來源沒有問題，目前銀行存款只有1萬令吉，加上新元存款也不夠4萬令吉，也許黃先生工作年資不長，因此所存的款項還不多。

我們不曉得黃先生公積金第二戶頭有多少儲蓄，如果不多，提取來購買房屋也不實際，畢竟幫補的作用不大。



资料来源：（星洲日報）

Budget 2016: Can You Afford A House Now?

With these various initiatives, owning a home is now more feasible than ever, but many first-time buyers are unaware of the -true- cost of home ownership.

Soaring property prices have been a long standing issue among aspiring Malaysian home owners, who find themselves having to scrape together a larger capital than ever to own a house.

A recent study by Demographia (a US-based urban developer researcher) further confirms what we already know – it found that Malaysia had a “severely unaffordable” residential homes market, with prices hovering at 5.5 times of median income, compared to Singapore’s 5.1 times.

Property value is considered no longer affordable when it reaches three times or more than that of median annual income.

In response to skyrocketing home prices, the Government had announced cooling measures for Budget 2014 to curb speculation that has been driving up house prices across the nation.

They include the cessation of the Developer Interest-Bearing Scheme (DIBS) – a scheme in which developers bear the interest on buyers’ housing loans until the project’s completion, and an increase inReal Property Gains Tax (RPGT) from 15% to 30% to discourage price-flipping upon completion.

RPGT is a tax on chargeable gains derived from the disposal of property within a set period. A chargeable gain is the profit when the disposal price is more than the purchase price of the property.

Meanwhile, to address housing affordability issues, the Government had geared the 10th Malaysia Plan (2011 – 2015) toward providing quality and environmentally sustainable housing for both rural and urban communities in line with their development objectives.

“ A home valued at RM400,000 with 90% margin of financing will come close to about RM20,000 in fees and charges 

”

Initiatives like the Youth Housing Scheme (YHS), 1Malaysia People’s Housing (PR1MA), and the Rent-to-Own (RTO) scheme were introduced to facilitate easy access to loans and to increase housing needs for the masses.

Programmes like the Private Affordable Ownership Housing Scheme (MyHome) and the My First Home Scheme were also intended to make home ownership a possibility for the average wage-earning Malaysian.

These initiatives will continue as the 11th Malaysia Plan (2016 – 2020) unfolds next year.

Budget 2016 continues efforts to provide affordable housing

The 2016 Budget, announced on October 23, will continue to focus on providing affordable housing to meet increasing housing needs, particularly among the poor, and low-and middle-income households in line with the 11th Malaysia Plan.

The Real Estate and Housing Developers’ Association Malaysia (REHDA) views the 2016 Budget as positive and helpful for promoting home ownership for the nation, especially for the low and middle income group.

“ Owning a home is now more feasible than ever but first-time buyers are unaware of the “true” cost involved 

”

“The allocation of RM200 million for deposit for first time house buyers is definitely good news to the industry especially in this current trying times. Payment for deposit has always been the biggest barrier to house entries and we fervently hope that the deposit will help spur home ownership amongst the rakyat,” REHDA’s president Datuk Seri Fateh Iskandar Mohamed Mansor said in a press release.

REHDA also lauds the Government’s move in making affordable housing a priority, saying it is indeed a step in the right direction towards encouraging the people to own properties.

What should first-time home buyers look out for?

With these various initiatives, owning a home is now more feasible than ever. However, many first-time buyers are unaware of the “true” cost of home ownership.

When it comes to purchasing property, the first thing that comes to mind is always the initial down payment.

Most banks in Malaysia offer up to 90% of the property’s price (margin of financing) for your first two residential properties. If you receive 90% financing, you need to pay 10% cash for the rest of the property’s price.

So for example, if you are eyeing an apartment unit in Puchong for approximately RM400,000, you will need to pay a minimum RM40,000 upfront.

The First House Deposit Financing Scheme announced in Budget 2016 will assist first-time home buyers in making the down payment. However, the mechanism and the bracket for house prices under the scheme is still unclear.

It could also be rolled out later in the year such as the Youth Housing Scheme, which was announced in Budget 2015, but was only introduced in July this year.

Buying and financing a home takes a lot more than just paying the deposit and the loan. Far from it, it also involves a number of miscellaneous fees and charges that many first-time home buyers tend to overlook.

To put things into perspective, a home valued at RM400,000 with 90% margin of financing will come close to about RM20,000 in fees and charges – that’s how much more you will have to pay beyond the down payment to make the sale happen!

Then there is the question of choosing the right home loan for you once you’ve gotten these details down.

Younger home buyers will have the advantage of stretching their home loan tenure to a maximum of 35 years.

This means lower monthly repayment, making the dream of owning a home a much more attainable one.

First time home buyers with good credit rating will also be offered 90% financing, which brings the down payment down to the minimum of 10%.

Also, do you want it fixed or variable?

The interest rate for a fixed loan will remain constant throughout your tenure, which is good if interest rate spike, but if the rate drops, you will miss out on any savings.

You will need to weigh all the pros and cons for your individual circumstances to get the lowdown on the benefits of both types of loan.

Meanwhile, getting a flexible mortgage scheme features lower rates and payments early on in the loan term. However, rates and payments can rise significantly over the life of the loan. Compare the best mortgage loans in Malaysia using our home loan calculator.

Affordable housing by the Government can only do so much, if you don’t have the proper financial planning to own a home, you will still not be able to buy one.

There is nothing you can do about the flailing economy, but you can find a way to make your money work harder for you by using the right credit card.

iMoney.my

Affordability a key concern for the rakyat — Survey

KUCHING: iMoney’s survey has shown affordability a key concern for the rakyat while interest towards education or infrastructure developments takes a backseat.

All is not well amongst the pockets of the rakyat with main concerns centered on the rising cost of living and its domino effect on other areas such as housing affordability, as found by the iMoney National Budget 2016 Sentiment survey.

The cancellation of subsidy for fuel, weakening global economy, tumbling currency and political instability have further exacerbated the rising cost of living, which is found to be the biggest concern among Malaysians.

“The survey results speak volumes. The cost of getting by in Malaysia is steadily increasing, and has become a huge deterrent in first property ownership, especially in urban cities.

“Perhaps the authorities should look at the bigger picture in helping Malaysians manage their money better and achieve their goal of buying their first home.

“Part of improving money management includes maintaining a healthy credit report, which can easily be done with good credit card record,” said Lee Ching Wei, co-founder and group chief executive officer (CEO) of iMoney.

The implementation of the goods and services tax (GST) combined with the recent abolishment and reduction of both the fuel and road toll subsidies had many Malaysians reeling from the sudden increase in their expenses.





(SOURCE: iMoney)

65 per cent of the survey respondents believe that GST has severely affected their finances, and blames GST and the lack of proper execution for the escalating cost of living.

80 per cent of respondents want the government to reduce the GST rate, while 68 per cent want authorities to improve price regulation to deter errant businesses from rampantly increasing their prices.

In 2013, the Government introduced the Bantuan Rakyat 1 Malaysia (BR1M) in an effort to ease the burden of the lower-income group in Malaysia. In the first year, RM2.6 billion has been disbursed to around 5.2 million households, which represents the majority of the Malaysian households.

A resounding 93 per cent of respondents who were eligible for BR1M said that the Government handouts were not sufficient to assist them in coping with the rising cost of living. The survey shows that more than half want more subsidies from the government, rather than BR1M handouts.

“The overwhelming responses that we have received all point to one main theme: Malaysians are seriously struggling with the rising cost of living, and they are of the opinion that the main driver for the skyrocketing cost is the Goods and Services Tax (GST),” said Lee. Although Malaysian property prices are rising at a slower pace following some cooling measures introduced by the Government and Bank Negara Malaysia (BNM), a whopping 92 per cent of the respondents say they are still unable to own a home. The survey saw that 39 per cent of Malaysians are still apprehensive over high property prices.

To draw a picture, the survey found that 42 per cent (65 per cent of survey respondents currently reside in Selangor and Kuala Lumpur) of Malaysians are only able to afford properties that cost about RM160,000, which translates to RM850 in repayment a month.

With PR1MA homes in the Klang Valley costing more than RM200,000, the majority of respondents do not feel that government and central bank initiatives are fully addressing the issue of housing affordability.

The rakyat believe that more aid is required to help them finally own a home. The most popular suggestions are to lower the interest rates (38 per cent), criteria (20 per cent) of home financing, and tax relief (18 per cent) on home loan interest rates.




theborneopost.com

你家的地板永远有扫不完的头发？不花钱学会5招

在清扫房间地板时，我们时常会扫出一堆头发、夹杂灰尘，尤其在一些卫生死角，如沙发下、衣柜下甚至地漏口，都会有不少毛发堆积。这些毛发会黏附很多灰尘， 也容易滋生尘螨，随着人的走动以及空气流动，会使一些肉眼看不到的细小颗粒物悬浮在空气中，再被人吸入，有可能引起支气管炎等呼吸道疾病，甚至引发肺炎。

毛发会黏附很多灰尘，滋生尘螨。

如何才能有效清理地上的头发呢？

大家可以利用一些身边的物品，自己动手制作“毛发清洁器”。下面介绍5个小窍门：

方法１：将一双旧丝袜套在扫帚上

扫地时，由于产生了静电，毛发、灰尘等会很容易吸附在丝袜上面。

方法２：利用胶带反复沾黏

布沙发、床单、毛衣上的发丝很难清除，可以截取一截宽胶带，在上面粘几下，就能轻松除去。

方法３：旧牙刷清洁浴室头发

直接用废旧的牙刷，一般用在浴室，洗完澡地漏那经常会遗留头发，用牙刷直接挑起扔掉。

方法４: 梳子套上丝袜

使用发刷梳头的人，可将一双干净的丝袜套在上面，让梳齿穿过丝袜。这样梳头时，脱落的头发会黏附在丝袜上，隔几天清理一次即可。

方法５：将双面胶带贴到抹布上

整个贴到一面上，粘碎发很方便，哪怕头发在砖与砖之间的细缝里都很容易清理。同样可以用宽胶带粘取布沙发、床单、毛衣上的发丝。
回到家中，可以马上试试！



文章来源：shareba.com

Analysts see Budget 2016 as ‘neutral’ for the property sector

KUALA LUMPUR (Oct 23): Budget 2016 tabled by the prime minister at Parliament this evening has been described by analysts as being "neutral" for the property sector.

RHB Research Institute senior analyst Loong Kok Wen said the government is trying to focus more on affordable housing in this budget.

"Overall Budget 2016 is quite neutral to the property sector. What developers wished for — such as lower real property gains tax (RGPT), lower stamp duty and the lower threshold for foreign ownership — all of these did not happen," she told theedgemarkets.com via telephone.

However, home buyers would have more options as the government is building more affordable homes, she said.

"This may not be good news for certain property developers as home buyers have more choices to buy houses nearer to the city centre, at a cheaper price," she added.

Another analyst from a local investment bank said the budget does not offer much excitement for the property sector.

"There is not much excitement for developers but more excitement for the construction players," he commented.

Meanwhile, in a statement, property developer S P Setia Bhd said that it had hoped the budget would provide more initiatives to address the subdued property market.

"However, we are encouraged to see the focus on helping first time home buyers continued from the previous budget. This is in line with S P Setia's focus in providing affordable homes to the market," said S P Setia acting president and chief executive officer Dato Khor Chap Jen.

He said the RM200 million allocated for First Home Deposit Financing Scheme will help first time home owners to pay the deposits when purchasing affordable housing.

"We are also glad that the government is continuing to improve the transport infrastructure, especially in Klang Valley and East Malaysia, as this will indirectly help the real estate along the routes," Khor added.

The developer also lauds the focus on green technology.

"S P Setia, being an eco developer and the first who introduced eco-developments in Malaysia, will continue to implement new green technologies in its developments for the betterment of its communities.

"We are also happy to note that the government is giving RM500 million incentives to encourage Industrialised Building System (IBS) as this will help to improve the construction industry in Malaysia," he added.

The Edge Markets

12 Tips to Getting A Great Property Valuation

It’s quite frustrating to have your home loan application knocked back or the loan amount reduced because the valuation came in too low. Here’s 12 ways to get a good one.

Investors periodically have their properties revalued in order to finance additional investments. For example, just say your property’s value has gone up by $50,000. Most lenders will let you borrow around 80 per cent of that value ($40,000) which you can use as a deposit for another property purchase. In order to work out exactly how much they’ll lend you, lenders will often send a property valuer around.So we’ve asked a couple of industry experts for the insider’s word on property valuations. How can investors get the highest figure possible?

Phillip Grahame from Herron Todd White says, “The main things in a valuation are the size and functionality of the dwelling and the size and location of the land.” So obviously the chances of a favourable valuation mainly come down to your choice of property in the first place. And of course, it also depends on what the property market in general is doing at the time. However, according to our experts, there are a number of things you can do to make sure you pull off the best valuation possible on the day.

1. Presentation

Grahame says presentation is the most important thing to take care of when you have an upcoming valuation.

“(Make sure) the gardens are looking nice and the clutter throughout the house is cleaned up and all that sort of thing. Because first impressions, even with property valuers, do count,” he says. “If it’s freshly painted and really neat and tidy and presents well, as it would to a buyer, then we’re going to be more positive on that particular property.”

Mark Ruttner from First Valuation Group agrees, “The owner should provide a property in a state of repair similar to an open for inspection. “There’s nothing worse than rolling up to value a house and all the clothes for the last two weeks are on the bedroom floor; the toilet seat is up; dishes for the last week are still sitting in the sink.” Ruttner suggests mowing the lawn and trimming the edges. He also says any external painting should be fully completed, as first impressions can be significantly dampened by incomplete paintwork.

2. Recent sales evidence

If you know the sale prices achieved at any recent property sales in your area, have that information available for the property valuer.

Ruttner says, “One of the best times to get a current valuation is when you have, say, two or three recent sales that are very similar to that of the property getting valued. Obviously such sales have a direct effect on the arrived value.” The easiest way to keep tabs on sales in your area is to attend auctions nearby. Whether it’s an auction or a private sale, hold on to the sales brochure when you attend the open home so that your valuer will be able to track down the agent to confirm the selling price.

If you want to be really helpful, Ruttner says it’s great when a property owner puts together a written report detailing three or so comparable sales within about 500 m of the property over the past six months. Grahame agrees that recent sales information is very useful. He explains, “In most cases we’ll probably be aware of (the sales data) but in some cases we won’t. So if the applicant knows of it, it pays to make the valuer aware of it.”

3. A rates notice

According to Ruttner, some valuers like to see a copy of your municipal/council rates. They vary from one place to the next, but there will generally be a “site value” or “unimproved land value” figure reflecting the value of the land only. And sometimes there will also be an “improved value”, based on the land and building. “Those (values) are done on a statistical analysis. So it’s not accurate but it gives us a ball park,” Ruttner says. “It gives the valuer a pretty good idea of where it’s sitting in the marketplace.”

4. Be honest

Grahame says, “We’ve heard every story and trick in the book and we can see through that pretty quickly. I’ve always found in my experience the more honest the people are, the more we look favourably on the property and the application. If someone’s telling fibs, immediately we see through that and get in a defensive mindset.”

For example, Grahame says clients might claim that a neighbouring property recently sold for $500,000 but the valuer might have evidence that it only sold for $450,000.

5. Make your improvements prior

If you have improvements to make, make them before the valuer comes around. Grahame says there are plenty of people who fall into the category of “the gonnas”. “Next week we’re gonna fix up the bathroom; or next week we’re gonna put on that carport… What people don’t understand is that we have to value it as we find it on that day. We can’t take into account any future improvements they may – or in a lot of cases they may not – do.”

6. Clear instructions

Grahame says, “If you’ve got plans for future improvements and got quotes and costings, make sure if you’re going through a lender that the lender requests an ‘as if complete’ valuation. A lot of times (the valuer) goes there and it hasn’t been communicated that’s what’s required and we just value as is on the day.”

7. List of recent improvements

Ruttner says, “If improvements have been made to the property over recent times, provide a detailed and written list of works conducted and the cost of these. Even better would be project specs and a building contract, giving the valuer an idea of exactly what has been spent.” While this will often add weight to your application, “also bear in mind that cost does not equal value in all instances,” he cautions.

8. Don’t overcapitalise

Grahame says, “Obviously improvements and renovations add value. But you’ve got to be careful about overcapitalising. So not spending more on a particular improvement than that particular area can cope with.” For example: “Putting on a large extension will obviously increase the value of the property but it may not increase the value more than what it actually cost. That’s generally dependant on the quality of the area. “So if people renovate and improve to put the property in a bracket higher than what most properties in that area sell for, then there’s a chance that they’re overcapitalising. If they’re in a really strong, well regarded area where people are looking to buy in high price brackets then it’s harder to overcapitalise.”

9. Outdoor living areas

“Outdoor living areas are one thing which tends to add more value than cost. So if there’s a well presented and functional living area, that always reflects well on a valuation,” Grahame says.

10. Kitchen and bathroom

“Kitchen and bathroom facilities are an obvious one,” Grahame says. “If they’re well presented and don’t have a dated look about them, then that will obviously have a positive impact on the valuation.”

11. Etiquette

“The inspection in a typical three-bedroom home would take a prudent valuer not much more than 10 minutes to inspect inside and out, so don’t feel that you have to speak to the valuer to make sure that they haven’t missed any part of the property,” Ruttner says.

Some owners feel a need to follow the valuer around pointing out every feature of the dwelling, but Ruttner suggests “don’t try and sell the property to the valuer.” While you may be pointing out features you feel add value to the property, it’s best to leave it up to the expert to decide which are the salient features. If you waste the valuer’s time with lots of chatter you may get in the way of them doing their job as thoroughly as possible. If you want to make sure the valuer has all the information they need, Ruttner suggests that at the end of the visit you can always ask whether there are any matters the valuer isn’t sure of.

12. Be patient

“Lastly, don’t ask the valuer what they think it’s worth just as they’re leaving,” Ruttner says. After visiting the property, the valuer needs to go away and undertake at least two separate methods for determining the property’s value.

Two of the most common methods for residential property are “direct comparison” and “summation”. Direct comparison involves analysis of recent sales of similar properties in the area. It may be a straight comparison, or a comparison of the rate per square metre (which is the sales price of each property divided by the land size). In this method the valuer takes into account factors which differentiate your property from those in the comparison sample, such as location, size, quality of the dwelling and views. Using the summation approach, the valuer assesses the land value (sometimes based on a comparison of vacant land sales), and then includes the “added value” of the improvements on the land (i.e. buildings). The added value is based on market evidence and is sometimes analysed on a rate per square metre basis. The valuer probably won’t be comfortable giving you an answer until this analysis is complete.
In short…

So for optimal results, keep the place neat and tidy, provide any information to the valuer which might support your case, and then leave them in peace to get on with their job.



News source: (API Magazine/Michaela Ryan)

Property market to pick up in 2016: Survey

KUALA LUMPUR: A better property market is expected for 2016 as buyers are more interested in buying properties in one to two years onwards, according to the iProperty.com Asia Property Market Sentiment Survey (H2) 2015.

The survey polled over 15,000 respondents and 43% were from Malaysia. The majority were between 21 and 30 years old.

"The year 2015 is analysed by property experts to be the slums of property market slowdown for the decade, and discussions have it that the property market will begin to pick up in the year 2016, and will again reach its height in the year 2018," the survey report said.

iProperty Group managing director and CEO Georg Chmiel said that after the implementation of the Goods and Services Tax (GST) in April, respondents who are interested in purchasing a property in one to two years have increased to 34%, compared with 30% before the implementation of GST.

Those who are looking to purchase after two years have also increased to 16% post-GST, from 12% pre-GST.

But the percentages of respondents looking to purchase a property in less than 12 months have fallen to 50% now from 58% six months ago.

Chmiel said the introduction of the GST has not deterred people from investing in real estate.

"Even though Malaysians are concerned about the rising house prices and affordability, the level of interest in the Malaysian property market remains strong, from within Malaysia and increasingly from overseas," he said after announcing the survey findings here yesterday.

The majority of the respondents are looking to get into the property market but are hindered by high property prices. Though various affordable housing schemes have been introduced by the government over the years, it is not enough to meet the demand.

However, Chmiel noted that there was an increase in the budget to purchase, a shift in the motivation to purchase and type of property to buy. He said respondents are now looking for property priced below RM500,000 to RM1 million with condominiums being the favourite. As such, they are holding back on purchasing property now to probably to try to save more for a downpayment.

"Certainly property prices and the availability of attractive real estate have moved up a bit and people simply adjust it for themselves. On one side, increase in the property prices and on the other side, 55% of the respondents are also investors so we see more investors coming in to the market looking for slightly different price bracket," said Chmiel.

He also pointed out that the Malaysian real estate is very affordable in the Asean region, citing an average property price of RM376,200 for a 900 sq ft property, with a gross development product per capita average of RM63,403, and a purchasing power parity for property value to income ratio is 5.93.

"Even if property prices (in Malaysia) were to double, they will still be affordable. From an outside perspective, you can spend a lot in Hong Kong and Singapore, or spend a fraction in Malaysia," said Chmiel.

Compared with the situation six months ago, when there was a rush to buy property pre-GST, many respondents are now adopting a wait-and-see stance and a cautiously optimistic approach. They are hoping the government will introduce other effective schemes that can help the under 30s afford a property.

Meanwhile, Chmiel said, the weakening ringgit has led to higher demand from Singaporeans wanting to buy property in Iskandar Malaysia.

The Sun Daily

法律专科：供屋半途可换贷款人吗？

问：陈律师，你好。

有些愚昧的问题，希望你可帮忙。

我月入5000令吉，太太月入3000令吉，本身有供一间屋子，每月供期1800令吉，供20年。

之前，因为妹妹要结婚，需要买房，但未来妹夫薪水不固定，很难向银行借钱，于是就借用了我的名字，和妹妹联合一起购买了另一间屋子，每月供2000多令吉。

日前，我看中一间店楼，想要买来投资，但又担心两间屋子都在贷款，怕银行不批，故想请问，是不是有办法可以退出之前妹妹的屋子贷款？

因为妹夫的工作开始稳定，有固定的薪水，是否可以转换贷款人？比如说，在贷款人添加妹夫的名字，而我就退出贷款呢？



答：
你好！你可以退出贷款，转换你的妹夫为贷款人。

你有两种选择：一是要求银行以转换你的名字至你妹夫的名字，重组贷款；或妹妹和妹夫另申请新的贷款来取代现有的贷款。

若是以上其中一种方式，你的妹夫可申请到贷款，通常都会把你的那一半屋子转到你妹夫。但转让手续需要准备相关的法律文件及费用，如注册费、印花税和律师费。





http://www.nanyang.com/node/729321?tid=686

The four strong feng shui foundations of a house

A house is not just shelter from the daily elements, it’s a commitment to the life-long potential of family. The house you choose and the home you make of it holds the potential for the growth and good fortune of your family members.

Purchasing a house represents the beginning of a new chapter in one’s life and the forming of relationship bonds among those who will live in it.

We each would have our own criteria for an ideal house. Some choose the convenience of proximity to shopping areas or downtown, others, unique architecture and security. Eventually, your house becomes part of your identity and the symbol that represents you and who you live with.

A good house is one that attracts good feng shui energy (qi), and nourishes and channels it throughout the entire house. The feng shui considerations that you should look out for are Natural Water, Annual Flying Stars, Bright Hall and Main Door.

Natural water

If a home is near or faces any natural body of water, this can foster an auspicious convergence of positive qi for its residents. It is beneficial to own property with a lake or other natural water formations located in the Southwest or North positions (until 2023, when the current Period 8 transitions to Period 9). This property type has the potential to increase its value in just two years but it is advisable to consult a feng shui practitioner before investing in the property.

Human-made lakes are as beneficial as natural water formations but drains are inauspicious formations. Though necessary, drains are unfavourable formations for any property. Constantly flowing drains are considered to exude ‘Killing Sha Qi’ carried by unfavourable ‘Cutting Feet Water’ that can ‘cut’ into the health and prosperity of residents living in houses that face such as drain. This is because the drain effectively blocks all positive qi from entering the property.

Annual Flying Stars

The second consideration is Annual Flying Stars. This consideration varies from time to time, because different Stars appear in different positions every year. Residents who are able to decipher the location and function of these Stars are able to guide themselves by identifying and anticipating the potential fortune and setbacks that occur within the sectors of the compass (North, East, South, West, Northeast, etc) that the stars occupy in that year. These sectors represent the major aspects of the residents’ lives.

Depending on the compass sector a specific Flying Star occupies, its location can be used to determine the residents’ wealth, mental and physiological states, career success, relationships with external parties and their health.

Bright Hall

The third feature is Bright Hall, a feng shui term that essentially refers to the space directly in front of the property. Think of this as the literal front door of the property. It is an essential space that allows qi just outside the front door of the property to gather before circulating throughout the house. Hence, the area outside your front door should be clutter-free and wide open because an effective Bright Hall not only gathers good qi but is thought to help skyrocket the value of the property as well. If that property faces a field or a playground, it will experience the same prosperous effect.



Main Door

The final feature is the Main Door, which is focused on the totality of qi for any home. Its importance cannot be emphasised enough because it is the primary entrance for all the qi that flows into the property from the environment.

It is extremely important that there the Main Door is not blocked in any way.

The Main Door of a property must be of a size that is proportionate to the size of the building to allow for the proper flow of qi. It should be well-presented to visitors and be a welcome sight for the residents whose home is their nurturing sanctuary.

Remember this: the Main Door should not be hidden and must be easily seen from the front of the house. Moreover, all other obstructions such as walls, pillars and such, should be kept at least 10ft away.

Everything around us is in a state of constant flow and change. So, even after you have created a strong feng shui foundation for your house, the elements and energy around us will continue to flow in a natural cycle of transmutation.

Do remember that you have to keep the energy fresh and flowing and be mindful of any negative or stagnant areas in your house that block qi from flowing as it should. Go with the flow!

Start small: you don’t have to be overwhelmed by all the feng shui ‘information’ out there. Trust your senses and go at your own pace. After all, it is your house, and you know best when you feel empowered and strong when you make any changes to it. This is the key to achieving positive directions for your dream house.


By Datuk Joey Yap / theedgeproperty.com

床位位置影响大！床切记不要这么放

床摆放位置真的很重要，它会影响健康也连带著运势，一起来看看床该怎么放吧！




床摆放位置真的很重要。（图／新浪）





1.房门对厕所门。（图／风水解密）
床位很重要，它会影响健康也连带著运势，一起来看看床该怎么放吧！首先，房门对厕所门，会造成骨骼与肌肉的病痛及钱财流失。厕所是湿气、臭气、秽气产生的地方，如果房门对到厕所门，刚好全部接收（尤其是强风倒灌的日子）。



2.房门对到床。（图／风水解密）
房门对到床，会因对到身体不同的部位，造成对应部位的功能性病变。房门与窗户是室内空气对流的进出口，睡眠状态时风会直接吹到身体，受到风寒的部位会造成病变。为考虑室内空气对流，一般的房门下缘都会留有细缝，所以就算是紧关著门，只要打开空调或窗户开一小缝，都能使室外空气进出。



3.厕所门对到床。（图／风水解密）
房间里的厕所对到床，情况比房门对到厕所严重，对到头，会头痛、思考时不能集中，住久了会产生肿瘤、中风等;对到腰，会腰酸、心脏无力、水肿，住久了会产生糖尿病、心脏病;对到脚，会坐骨酸痛、膝盖无力、痛风水肿，住久了会产生意外骨折。



4.镜子对到床。（图／风水解密）
镜子对到床，会造成精神恍惚，思路不能集中。卧室里除床头同一平面两边可放镜子，其它位置都不可放。但是，衣柜里加穿衣门板，平时门关上看不到，是很好的设计，放在任何位置部可以。



5.床上有横梁。（图／风水解密）
横梁是建筑物主体结构之一，主要由钢筋混凝土组成，当指南针放在梁下，指针立刻会改变方向，这可证实横梁会产生明显的物理磁感应作用。由此可知，睡在横梁下，人体的微电系统（尤其是大脑、心脏）会直接受到负面影响，造成睡眠不足、头痛等现象。建议在梁下放矮柜，或干脆作整面包梁立顶柜来避开。



6.床对到壁刀。（图／风水解密）
壁刀常见于顶楼或边间，尤其是高楼层建筑，也是建筑物主体结构之一。对人体的影响，初期是睡眠不足、晕眩、头痛，但检查不出病因。时间久了，可能会变成脑部的病变。




7.床位在楼梯下方。（图／风水解密）
床在楼梯下方，睡在床上的人，睡眠状况一定不会好，经常恶梦不断。运势也非常差，很难有翻身的机会。



8.床头隔墙对马桶。（图／风水解密）
头顶著马桶睡觉，会造成思想混乱，思绪无法集中和头痛。住10年以上，甚至会在脑内长瘤。






9.床头隔墙对到神桌。（图／风水解密）
只有小庙的庙公才会睡在神像的后面或神桌下面。一般人即不是庙公，也不是灵媒，千万不可如此睡。






10.床头没有靠到实墙。（图／风水解密）
有些人为营造气氛而将床斜放且不靠墙，或为了闪避横梁而将床头悬空。床头不靠实墙，或调头睡，会造成睡眠品质不良、思想叛逆、怪异及与人沟通能力不良。





11.床前放置电视机、音响、手机。（图／风水解密）
现代装潢中，常见在卧室里加装电视机，建议最好不要这么做。因房间里有电视机必然会产生两种情况：一、长期随意地躺在松软的床上，易造成脊椎弯曲变形。二、一般人躺在床上看电视，都会忍不住多看一、二个节目，直到非常困了才肯睡，因此弄得每天睡眠不足，长期下来，事业、健康定会出问题。另外，现代人常在睡觉时仍开著手机并放在床头，因手机在待机状态仍会发出电磁波，人体长时间的连续接收，对健康非常不利。





12.床位安置于空调下方。（图／风水解密）
床位安置在空调下方，寒气不断吹向头、肩、颈，加上人在睡眠状态时，毛细孔会略微放开，轻者经常感冒，重者会造成头、肩、颈的神经紧张、肌肉僵化。





13.床位在厕所、炉灶的上或下方。（图／风水解密）
睡觉的位置上或下是厕所，有多恶心不用解释也想得到，只是一般人只想到自家空间如何充分利用，忽略了楼上、下的关系。如果睡床上或下是厨房炉灶，会让人肝火过旺，影响肝功能。





14、卧房天花板装潢过于花俏。（图／风水解密）
卧房的天花板，应简单为宜。千万别学商业空间，弄得非常艺术、奇特、花样百出，甚至装上镜子，这会使人不易入睡，久而久之健康会出问题。床位上方不可挂奇形怪状的灯具，会使人产生紧张不安的感觉。在地震频发的当今，床的正上方最好是完全没有任何灯具，卧室照明尽量使用床头桌灯或立灯及靠近墙边的隐藏灯管。

http://www.chinatimes.com/photo-app/20151010003820-260804

4 TRICKS TO PICK PROPER PAINT COLOURS

If you’ve ever walked into a home and felt your spirits lift, chances are that the owners have done a great job of selecting the right paint colours. You too can ensure your home goes from drab to fab with these 4 quick tips.

Daily life is filled with the stresses that come with growing up. Don’t you wish you could just stay young forever? While that is called wishful thinking, there are plenty of steps that you can take to wash away the negativity of the day. Having a soothing beverage (I hear chamomile tea is a good remedy for the nerves), partaking in yoga exercises to soothe the soul, and practising the right breathing techniques will all help in bringing out your calmer side.

What’s better than all of the above? Carrying them all out in the comfort of your own abode. You know you’ve come home when your first step inside fills you with immense relief and the reassuring sensation that everything will be alright again in the world.

How do you go about creating the right atmosphere to relax in? Let’s talk about wall colours. It can be a make or break choice, allowing for your character to shine through as the walls reflect the spirit you would like to imbue in your home. Too much white, black or grey, and the place will feel stark and austere; too many colours and you will wind up with a little more than a headache.

The right blend can enlarge a room, hide flaws, and create a mood. So what are you going for? Considering how different areas of the house will have separate activities, you would want to ensure that the right paint choice reflects that. For example, the bedroom would usually be restful and soothing whereas the dining room would be more sociable and stimulating.

In the past, people would use a paint colour matching chart/wheel that could be found in the local stores in order to decide. For a change, do you have a favourite item, such as a piece of artwork, set of dishes, or any accessory (a scarf, for example)? To get started, you can use the colour(s) on it to give you inspiration of what to choose for the main colour or accent, as the item is your favourite for a reason.

Select paint finish

Did you know that there are several types of paint finish that can determine how vivid the colours and details will appear, in addition to how easy it will be for you to clean the surface the next time? These finishes range from a chalky type known as ‘flat’ to a reflective and shiny type known as ‘semi-gloss’.

If your room is a high-traffic area that has many surface imperfections, you might want to consider getting a flat finish, or even an ‘eggshell’ finish. This is because these two matte types have a superior scrubability and absorbs light, thus hiding any imperfections. For a bit more character and drama to a room, the semi- or high-gloss finishes would be ideal, since they reflect light to display the vivid richness of a particular colour.

Take precautions

So you’ve finally decided on the perfect lilac-coloured furniture to go with a light grey paint. You pop the can, paint the main walls and wait for the paint to dry so you can finally arrange your items. But you forgot to take into consideration that when paint dries, it will be about two shades darker than what you saw in the can. Imagine to your horror, what you thought was light grey turns out to be a dark steel colour.

While it doesn’t ruin the entire scheme, it can be quite upsetting when you’ve already got an image of the “perfect” room in your head. To avoid this, paint a small portion of your wall with the chosen colour. See how you like the colour in different times of the day, whether during the day or night. For the truest colour test, natural daylight will bring out the hues and show you what to expect. You would need to note that the types of lighting you use in the rooms will also play a part, whether incandescent or fluorescent lighting.

Walk into another room

This may sound a little odd, but take a walk through your unpainted house and visualise the colours that you have planned for the rooms. See how two adjacent rooms interact with each other and consider how they will flow from room to room to create your perfect picture. If there is a smooth synergy between each area, you know that you have a perfect composition where you’re in one room but you are able to see a piece of another room through it.

If you are not certain about how to make sure there is a flow between each room, start with the formal areas of the house, specifically the living room, dining room and entry way/foyer. These are high-traffic areas and will be the focal points of any home. Choose your colour scheme for those rooms, and then select one colour from the arrangement to be the main or accent in more private spaces. For example, your sofa is pale blue and you tone it down to royal blue for the main colour in your bedroom.

In the olden days, many people were not able to afford coloured paint for their house as it was very expensive, so white walls were the only choice that they had. Today, colour is accessible to everyone and it will imbue the impression of liveliness and give things their own personality. So don’t be afraid to play around with the colour palette, and above all, approach the process as an adventure!

http://blog.wonderlistproperty.com/property-information/4-tricks-to-pick-proper-paint-colours/

11 Langkah beli rumah di Malaysia – Dari pilih rumah sampai dapat kunci.

Selalu pening kepala tentang proses pembelian hartanah pertama?

Atau mungkin itu yang menjadikan anda sedikit “tertekan” untuk memulakan langkah ke arah menjadi seorang pelabur hartanah?

Artikel kali ini, Tok Penghulu mahu kongsikan langkah demi langkah (secara umum) berkaitan dengan proses pembelian hartanah.

Prosesnya yang sebenar adalah rumit. Tetapi artikel ini sudah cukup untuk bagi anda semua “nampak” proses asas dari permulaan memilih hartanah sehingga dapat kunci rumah.

11 Langkah beli rumah secondhand/subsale di Malaysia.

LANGKAH 1: Pilih hartanah yang anda mahu beli.

LANGKAH 2: Tandatangan LOA (Letter of Acceptance) atau Letter of Offer yang disediakan oleh ejen hartanah. Pastikan ejen hartanah tu berdaftar yang sah dariLembaga Penilai, Pentaksir dan Ejen Hartanah Malaysia (LPPEH atau BOVAEA). Jangan guna ejen haram yang tak berdaftar sebab dah banyak kes tipu dan naya je kalau duit lesap!

LANGKAH 3: Bayar jumlah 2% atau 3% daripada harga pembelian rumah sebagai bayaran booking dan cuba minta untuk 21 hari bekerja sebagai tempoh dari bayaran deposit hingga anda kena siapkan SPA. Biasanya ejen akan letak 14 hari tapi korang cuba la dapatkan 21 hari sbb kadang kadang loan lambat nak dapat kelulusan (Sales & Purchase Agreement). Dan pastikan booking ini dibayar hanya kepada syarikat ejen hartanah atau syarikat guaman anda. Jangan sekali-kali bayar kepada mana2 individu, baik ejen mahupun tuan punya rumah.

LANGKAH 4: Pastikan pemilik rumah atau penjual tandatangan pada LOA (Letter of Acceptance) atau Letter of Offer dan berikan kepada anda/ejen salinan SPA pembelian beliau untuk buktikan yang mereka adalah pemilik rumah yang sahih.

LANGKAH 5: Guna LOA untuk pohon pinjaman dari pihak bank untuk pembelian rumah. Pastikan korang apply kepada minimum 4 bank untuk pinjaman.

LANGKAH 6: Upah peguam yang mempunyai kepakaran dalam bidang pengurusan hartanah untuk mulakan persediaan perjanjian SPA.(Sales & Purchase Agreement).

LANGKAH 7: Kita tandatangan dokumen SPA Pastikan korang dah dapat sekurang-kurangnya 1 loan yang dah approve sebelum korang tandatangan SPA. JANGAN TANDATANGAN SPA SELAGI BELUM ADA MINIMA SATU LOAN YANG DAH LULUS.

LANGKAH 8: Bayar baki 7% deposit pembelian rumah. Dalam langkah 3, kita sudah bayar 3%. Perlu cukupkan sampai 10% bila tandatangan SPA.

LANGKAH 9: Tunggu 3-6 bulan untuk pihak bank membayar penjual jumlah yang tertunggak ( Baki 90%, lepas korang dah bayar 10%). Pastikan korang telefon peguam korang tiap-tiap minggu untuk pastikan yang peguam korang tak tidur dan kes korang ada kemajuan.

LANGKAH 10: Bank sudah jelaskan semua jumlah tertunggak kepada penjual. Peguam anda akan menguruskan proses pengambilan kunci.

LANGKAH 11: Pemilik rumah atau penjual kosongkan rumah untuk selesaikan proses pemindahan yang sudah berjaya. Anda dapat kunci rumah dan rumah itu kini milik anda.

Berapa pula kos guaman (legal fees) hartanah anda?

Tok perlu ingatkan bahawa 11 langkah demi langkah di atas adalah maklumat asas sahaja. Apabila kita merasa sendiri pengalaman membeli rumah, akan ada banyak maklumat-maklumat lain yang kita akan tahu.

Apabila membeli rumah, penting juga untuk kita faham kos guaman (legal fees). Kos berbeza bagi setiap nilai hartanah.

Berikut Tok kongsikan:

• Untuk nilai RM150,000 pertama, kadar kos guaman adalah 1%.
• Untuk nilai RM850,000 berikutnya, kadar kos guaman adalah 0.7%.
• Untuk nilai RM2,000,000 berikutnya, kadar kos guaman adalah 0.6%.
• Untuk nilai RM2,000,000 berikutnya, kadar kos guaman adalah 0.5%.
• Untuk nilai RM2,500,000 berikutnya, kadar kos guaman adalah 0.4%.
• Untuk nilai melebihi RM7,500,000, kadar kos guaman boleh dirunding. Namun tidak boleh melebihi 0.4%.

Lain-lain kos asas apabila membeli hartanah.

Tok suka betul dengan laman web iProperty sebab mereka sudah bagi kos-kos yang penting. Apabila kita beli hartanah, kita juga perlu bayar cukai kerajaan sebanyak 5%.

Selain itu, kita juga mempunyai kos pengeluaran (disbursement cost) sekitar RM500 hingga RM1,000.

Biasanya kos ini adalah untuk dokumen-dokumen berikut:

1. Setem SPA (Sales & Purchase Agreement) iaitu RM10 setiap salinan. Biasanya ada 4 salinan.
2. Bankcruptcy search.
3. Pencarian syarikat (jika perlu).
4. Pencarian tanah (sebelum menyediakan SPA dan mengisi borang 14A di pejabat tanah).
5. Pendaftaran dokumen pertukaran hak milik hartanah di pejabat tanah.
6. Dan kos-kos lain.

http://gilahartanah.com/langkah-asas-beli-rumah-di-malaysia/