...ohh abis lagui duit gaji aku bulan ni...
Wednesday, October 28, 2009
Friday, October 23, 2009
Saya mahu CUCi
I was only back home yesterday at 2.00 AM for this...........
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........
....
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.............. and it was REALLY REALLY GOOD!!
Serious people..i dont get paid for writing this up..lagipun apa la sangat my traffic kan. bukan besar na for them to actually nak mempergunakan aku as promo board, but betul..it was a pleasantly suprisingly GOOD.
The props were impressived (to my eyes yg tak pernah tgk PGL - which i heard was even giler hebat) the casts were just lovable, the dancers and choreography were entertaining enough and the songs....ohhh i really think it could sells you know..as a single or compilation.
Ok bit by bit pulak yea..may be a SPOILER for you guys..so be warned..rasa tak mo baca please stop here.
The simple story line goes as the cuci the movie..but for different and BETTER casting for:
CJ -then Erra now Vanida (i think she did it better anyway!!) ,
makcikover inject botox si Ummi Aida - now Adibah Noor (WAYYYYYYYYYYYYYYY BETTER adibah noor la for sure kan!!!!),
khir rahman ganti ngan that harith iskandar (i think its a so-so la..khir is a good actor too) and..
the dad : dato rahim razali - ramli hassan (who is just oozing with sexiness ok!!!!! - ini lagi sexy dari Capt. Jean Luc Piccard i tell ya!!!!!!!
for a musical, it was really really entertaining - sound wise. I mean..no suara pecah, no sound system problem - semua nya best. Maybe because majority of the cast memang boleh nyanyi but for Abang Kacak Hans kita. I think because semua orang tahu his strong point (definitely his chest) not his voice, so diaorang dah downplay kan all his sing-sing acts. All were given opportunity for solo acts, but for si hans. tapi he still pulled it off sebab ala-ala romance scene ngan vanida, so lagu pun ala ala bisik bisik gitew and no high tone.
vanida's voice was good too. gemersik. I think it wasnt really her voice - eh bukan dia pakai stand in, i think the sounds system yg bikin soara dia dengar cam lunak. high-five to Istana Budaya for that. I was talking to IB's staff, and he told me the lil.mic costs rm30K per piece. not to mention other benda sound proof bagaikan dalam dewan tu.
Aflin..well what can i say about him..despite his memboyot - aku rasa cam nak burst ok!!1 dia tak semput pun.in fact, his voice was as a good as adibah noor - male version. very deep and strong. wayyy mature than his time time ikhlas tapi jauh. macam jazzy pun ada suara dia tu. rasanya with the right songs, boleh jual album mamat ni.
Cik AC is being himself la. the same dance - the CMP U'ALL trademark. tapi still very entertaining. and u couldnt deny his baritone voice tu memang lunak.
oohh and cik Adibah..i think at some point of the play, when she was singing, rasa cam nak bangun menari skali ok!! IT WAS AMAZINGLY GOOD!!! well amazing tu cam tak berapa betul la sebab apa nak amazingnya. dah memang dia tu wellknown for her vocal, tapi it is almost magical la bila dia nyanyi and when she tarik a note, you terus seram sejuk i tell ya!!
BUT THE BEST BEST BEST BEST ACTOR in the entire play if u must ask me..and PLEASE PLEASE JANGAN PITAM OK ..i must say , and i think majority of the audience yesterday would agree..goes to ............ABANG AWIEEEEEEEEEEEE!!!!!!! OMG..everything EVERYTHING ABOUT HIM in the play was just right with a dose of OMMPHH!! suara awie jangan cakap la..memang la dah sah sah hebat, and he play the role without being over tau..which really just make him more in the lime light gitew. Whilst AC was bust being the loud kelakar one, aflin was too serious and cik Hans too handsome la kan..awie was always the one on far left or right minding his own business and sometimes doing things just so your eyes would drifted back at him. i dont know whether its intentional or just scripted but he certainly deserved the standing ovation (not to mention teenage-shrieking screams of ABANG AWIEEEE) we were giving him yesterday.
So there peeps..a lil about Cuci the Musical. Grab a ticket if u have the time (and budget) coz i can guarantee u its a hell of screaming and smiling and laughing nite you would be smiling in the morning about - play.
ciao peeps and happy weekend
.............
..........
........
....
........
.............. and it was REALLY REALLY GOOD!!
Serious people..i dont get paid for writing this up..lagipun apa la sangat my traffic kan. bukan besar na for them to actually nak mempergunakan aku as promo board, but betul..it was a pleasantly suprisingly GOOD.
The props were impressived (to my eyes yg tak pernah tgk PGL - which i heard was even giler hebat) the casts were just lovable, the dancers and choreography were entertaining enough and the songs....ohhh i really think it could sells you know..as a single or compilation.
Ok bit by bit pulak yea..may be a SPOILER for you guys..so be warned..rasa tak mo baca please stop here.
The simple story line goes as the cuci the movie..but for different and BETTER casting for:
CJ -then Erra now Vanida (i think she did it better anyway!!) ,
makcikover inject botox si Ummi Aida - now Adibah Noor (WAYYYYYYYYYYYYYYY BETTER adibah noor la for sure kan!!!!),
khir rahman ganti ngan that harith iskandar (i think its a so-so la..khir is a good actor too) and..
the dad : dato rahim razali - ramli hassan (who is just oozing with sexiness ok!!!!! - ini lagi sexy dari Capt. Jean Luc Piccard i tell ya!!!!!!!
for a musical, it was really really entertaining - sound wise. I mean..no suara pecah, no sound system problem - semua nya best. Maybe because majority of the cast memang boleh nyanyi but for Abang Kacak Hans kita. I think because semua orang tahu his strong point (definitely his chest) not his voice, so diaorang dah downplay kan all his sing-sing acts. All were given opportunity for solo acts, but for si hans. tapi he still pulled it off sebab ala-ala romance scene ngan vanida, so lagu pun ala ala bisik bisik gitew and no high tone.
vanida's voice was good too. gemersik. I think it wasnt really her voice - eh bukan dia pakai stand in, i think the sounds system yg bikin soara dia dengar cam lunak. high-five to Istana Budaya for that. I was talking to IB's staff, and he told me the lil.mic costs rm30K per piece. not to mention other benda sound proof bagaikan dalam dewan tu.
Aflin..well what can i say about him..despite his memboyot - aku rasa cam nak burst ok!!1 dia tak semput pun.in fact, his voice was as a good as adibah noor - male version. very deep and strong. wayyy mature than his time time ikhlas tapi jauh. macam jazzy pun ada suara dia tu. rasanya with the right songs, boleh jual album mamat ni.
Cik AC is being himself la. the same dance - the CMP U'ALL trademark. tapi still very entertaining. and u couldnt deny his baritone voice tu memang lunak.
oohh and cik Adibah..i think at some point of the play, when she was singing, rasa cam nak bangun menari skali ok!! IT WAS AMAZINGLY GOOD!!! well amazing tu cam tak berapa betul la sebab apa nak amazingnya. dah memang dia tu wellknown for her vocal, tapi it is almost magical la bila dia nyanyi and when she tarik a note, you terus seram sejuk i tell ya!!
BUT THE BEST BEST BEST BEST ACTOR in the entire play if u must ask me..and PLEASE PLEASE JANGAN PITAM OK ..i must say , and i think majority of the audience yesterday would agree..goes to ............ABANG AWIEEEEEEEEEEEE!!!!!!! OMG..everything EVERYTHING ABOUT HIM in the play was just right with a dose of OMMPHH!! suara awie jangan cakap la..memang la dah sah sah hebat, and he play the role without being over tau..which really just make him more in the lime light gitew. Whilst AC was bust being the loud kelakar one, aflin was too serious and cik Hans too handsome la kan..awie was always the one on far left or right minding his own business and sometimes doing things just so your eyes would drifted back at him. i dont know whether its intentional or just scripted but he certainly deserved the standing ovation (not to mention teenage-shrieking screams of ABANG AWIEEEE) we were giving him yesterday.
So there peeps..a lil about Cuci the Musical. Grab a ticket if u have the time (and budget) coz i can guarantee u its a hell of screaming and smiling and laughing nite you would be smiling in the morning about - play.
ciao peeps and happy weekend
Friday, October 16, 2009
Tips Membeli Rumah - Jilid 3
Jilid 3 sudah tiba - kepada yang ternanti-nanti ...wooo hold your horses down!! kuang kuang kuang
ok..kita sekarang telah berjaya recci bank untuk the highest market value. So sekarang boleh proceed suruh salesman bank process application. Di antara benda yang wajib dia mintak ialah booking resit. Booking resit yang WAJIB anda collect ini selalunya takkan ada S&P price. Cuma bagitau lot n berapa booking fees u dah bayar. Bagi dia ni.
Developer pulak akan sentap sentap suruh anda sign S&P.JANGAN SIGN. standard praktis, anda kena sign S&P within 14 days after bayar booking fees. DELAYKAN!!! Confirmkan yang bank dah keluar letter of offer dan DAPATKAN SEBOLEH MUNGKIN HARGA NON BUMI IN YOUR S&P.
Bila dah keluar letter of offer and the terms are agreeable, u now can proceed with the signing of S&P. Oleh kerana takde dokumen mana-mana yang noted your original price, harus WAJIB and sahih (i couldnt impress more) that when u sign your S&P, make sure u bagi a letter quoting StaffName/Date/Your correspondences yang menyatakan harga original rumah itu adalah RMX dan S&P hanyalah bagi tujuan pinjaman bank or kos renovasi etc etc. SIMPAN SURAT INI DAN MAKE SURE ADA ACKNOWLEDGMENT FROM THE DEVELOPER OK!!!
TIPS SELINGAN: LAWYERS FOR S&P LAIN NGAN LAWYERS BANK. MINTAK DISKON AND ASK TO SEE THE BILL BEFORE U SIGN S&P!!MINTAK DISKON BEFORE SIGN S&P. LAWYER AKAN KATA TAK BOLEH DISKON, TAPI CAKAP, BAGI I DISKON ON YOUR DISBURSEMENT I.E. PHONE CHARGES, CORRESPONDENCES, PHOTOSTATE CHARGES AND WHAT NOT.its basically stated in the last para of your very longgggg bill. hehehe
Lepas sign S&P, u will be required to bayar 10% deposit. If you can, pay only the difference sum between your original price and your booking fees+loan. Kalau dia kata sistem suh jugak bayar that 10%, if u have money boleh aje bayar TAPI MAKE SURE U TAKE THE RESIT AND WRITE A LETTER SAYING THAT THE DEVELOPER HAS TO REFUND RMxx TO YOU BEING THE EXCESS OF YOUR PURCHASE PRICE. MINTAK ACKNOWLEDGEMENT AND SIMPAN SURAT TU SAMPAI MATI. wahh exxagerate pulak mak. tapi u get my point la.
Risiko nye rm tu mungkin dapat dalam lagi 6 months, tapi if u can wait, why not. Kalau tak, santak la developer tu hari hari mintak duit ko.
Ok..sekarang korang dah boleh perasan rumah tu korang punya..JANGAN HARAPPPPPPP BEDAH!!!! BELUM LAGIIIIIIIII
step yang kedua ialah untuk kejar bank for your facility agreement. Kejar bank / lawyer bank untuk prepare and finalisekan the transaction. Kenapa? Selagi diaorang ni tak bayar kat developer duit loan tu, selagi tu korang tak dapat kunci umah.
Kunci umah tu perkara kecik la kan..korang pun bukan duk bawah jambatan yang lapar na nak masuk umah baru..tapi yang lagi penting ialah interest dah start run. Sapa nak bayar interest ratus ratus bang? dari bayar interest baik korang guna duit tu beli railing langsir kan?
Ok..sekian aje tip tip dari aku. sapa sapa yg rasa dia mempraktik kan tips aku ni, ingat ingat la nak jemput aku pi house warming ke..kenduri doa selamat ke masuk umah baru ye.baru la murah rezki korang nanti..
so guys..until later..
live your dream..
ok..kita sekarang telah berjaya recci bank untuk the highest market value. So sekarang boleh proceed suruh salesman bank process application. Di antara benda yang wajib dia mintak ialah booking resit. Booking resit yang WAJIB anda collect ini selalunya takkan ada S&P price. Cuma bagitau lot n berapa booking fees u dah bayar. Bagi dia ni.
Developer pulak akan sentap sentap suruh anda sign S&P.JANGAN SIGN. standard praktis, anda kena sign S&P within 14 days after bayar booking fees. DELAYKAN!!! Confirmkan yang bank dah keluar letter of offer dan DAPATKAN SEBOLEH MUNGKIN HARGA NON BUMI IN YOUR S&P.
Bila dah keluar letter of offer and the terms are agreeable, u now can proceed with the signing of S&P. Oleh kerana takde dokumen mana-mana yang noted your original price, harus WAJIB and sahih (i couldnt impress more) that when u sign your S&P, make sure u bagi a letter quoting StaffName/Date/Your correspondences yang menyatakan harga original rumah itu adalah RMX dan S&P hanyalah bagi tujuan pinjaman bank or kos renovasi etc etc. SIMPAN SURAT INI DAN MAKE SURE ADA ACKNOWLEDGMENT FROM THE DEVELOPER OK!!!
TIPS SELINGAN: LAWYERS FOR S&P LAIN NGAN LAWYERS BANK. MINTAK DISKON AND ASK TO SEE THE BILL BEFORE U SIGN S&P!!MINTAK DISKON BEFORE SIGN S&P. LAWYER AKAN KATA TAK BOLEH DISKON, TAPI CAKAP, BAGI I DISKON ON YOUR DISBURSEMENT I.E. PHONE CHARGES, CORRESPONDENCES, PHOTOSTATE CHARGES AND WHAT NOT.its basically stated in the last para of your very longgggg bill. hehehe
Lepas sign S&P, u will be required to bayar 10% deposit. If you can, pay only the difference sum between your original price and your booking fees+loan. Kalau dia kata sistem suh jugak bayar that 10%, if u have money boleh aje bayar TAPI MAKE SURE U TAKE THE RESIT AND WRITE A LETTER SAYING THAT THE DEVELOPER HAS TO REFUND RMxx TO YOU BEING THE EXCESS OF YOUR PURCHASE PRICE. MINTAK ACKNOWLEDGEMENT AND SIMPAN SURAT TU SAMPAI MATI. wahh exxagerate pulak mak. tapi u get my point la.
Risiko nye rm tu mungkin dapat dalam lagi 6 months, tapi if u can wait, why not. Kalau tak, santak la developer tu hari hari mintak duit ko.
Ok..sekarang korang dah boleh perasan rumah tu korang punya..JANGAN HARAPPPPPPP BEDAH!!!! BELUM LAGIIIIIIIII
step yang kedua ialah untuk kejar bank for your facility agreement. Kejar bank / lawyer bank untuk prepare and finalisekan the transaction. Kenapa? Selagi diaorang ni tak bayar kat developer duit loan tu, selagi tu korang tak dapat kunci umah.
Kunci umah tu perkara kecik la kan..korang pun bukan duk bawah jambatan yang lapar na nak masuk umah baru..tapi yang lagi penting ialah interest dah start run. Sapa nak bayar interest ratus ratus bang? dari bayar interest baik korang guna duit tu beli railing langsir kan?
Ok..sekian aje tip tip dari aku. sapa sapa yg rasa dia mempraktik kan tips aku ni, ingat ingat la nak jemput aku pi house warming ke..kenduri doa selamat ke masuk umah baru ye.baru la murah rezki korang nanti..
so guys..until later..
live your dream..
Thursday, October 15, 2009
Tips Membeli Rumah - Jilid 2
Atas permintaan ramai...hahah ye la tu bedah..saya akan meneruskan post tip Jilid 2 ini sekarang.
Sambungan dari recci bank rate n lock-in period, harus juga anda mindful yang bagi rumah yang dibeli dari developer, loan akan pergi setinggi 90% of S&P Price. Pada yg tak tahu S&P= Sale and Purchase Agreement ye. Ada jugak bank yg bagi lebih,tapi saya tulis yg resam aje la. so the remaining 10% harusla anda bayar sendiri. samada pakai duit dalam bank anda (atau bank anak-anak) atau duit laki anda sendiri yang kaya raya. Tapi usah khuatir..itu boleh direimburse oleh KWSP - sekiranya ini rumah pertama anda.
tapi lets not go to payment deposit yet. Kita belum sampai stage itu lagi ye. baru aje start nak recci bank. Letter of Offer dari bank pun belum dapat yea. Ikut stage yang dinyatakan ok.
Ok..bila dah confirm S&P and eligiblity anda bagai..mintak loan selama yg boleh. Kenapa saya cakap begitu? Nampak naa aku ni suka berhutang. Bukan apa. period yg lama bermakna instalment nyer pun sikit. Ai..lama sangat nanti interest pun banyak!! Tanya si polan tu..Iye..memang la..tapi anda baca tak Jilid 1 yang cakap tips beli rumah untuk orang tak berapa banyak RM?? Haa..yang pastinya dengan monthly instalment sikit, anda akan ada lebih duit untuk saving. Sekiranya ada lebih saving, makanya bila dah banyak saving, buleh juga anda bayar untuk prinsipal sum (sekiranya conventional - MAKE SURE BILA LUMP SUM PAYMENT DIBUAT ANDA ISSUE WRITTEN INSTRUCTION FOR PRINSIPAL PAYMENT!!) dan mempercepatkan pembayaran hutang sekiranya ianya islamic financing.
TIPS SELINGAN: LUMP SUM PAYMENT AKAN TIED NGAN LOCK-IN PERIOD ANDA. U MAY BE CHARGED A PENALTY FOR LUMP SUM PAYMENT IF YOUR LOCK-IN PERIOD HASNT EXPIRED. PLEASE READ LETTER OF OFFER PARTICULAR THE FINE PRINTS.
jangan risau the fact anda berhutang pinjaman rumah. Kerana MRTA atau insurance akan cover sekiranya anda mati sebelum sempat bayar hutang dan menjadi harta pusaka anak-anak anda. proses tukar nama anda yg dah jadik makanan cacing kepada anak menantu or suami anda yang mungkin akan kahwin lain selepas abis edah tu kira topik lain yea. Bila rajin aku post bebila.
Bagi mereka yang membeli rumah SIAP DENGAN CF daripada developer pula..harus ingat konsep margin of financing telah bertukar.Instead of mendapat 90% financing dari bank berdasarkan harga S&P, financing akan diberi berdasarkan harga pasaran semasa. Developer pada peringkat ini, tidak lagi menjual rumah tersebut pada harga asal pembeli awal, tapi akan mark-up like no body bussiness la - especially if kawasan anda tu dah maju or memang upper class. Confirm confirm rega S&P anda akan menjunam naik RM50K -Rm100K.
MALANGNYA, harga pasaran most definitely AKAN LEBIH RENDAH dari harga jualan developer tu. So bila ini terjadi,maknanya anda bukan akan kena top-up 10% deposit aje, tapi kekadang 20% or 30% of the shortfall. Uwaaa mana cukup kan? Itu belum masuk renovation cost.walaupun writer ni tak de duit, tapi cita cita nak wet -dry kitchen ala IKEA's kitchen masih kental tersemat di sanubari.
Therefore, pay attention to what im gonna write after this.
when u prepare your documents,make sure u prepare in at least 6 copies. Apply to all 6 or more banks and STRESSsed that u want to know the market value before they process your application. 3 -4 banks will definitely quote you the lower value..tapi some salesman (if u are lucky)will try hard to seal the deal dengan berusaha lebih keras sikit dalam mendapatkan value yang lebih tinggi for u.
dalam masa yang same, u also have to write to developer to quote the non-bumi price in your S&P. So if both prices (S&P and valuation) are higher than your actual price, u may ended paying less than 10% of deposit or no deposit at all!!
Tapi ingat risiko stamp duty nanti yea. akan lebih sebab bila title dah keluar n nak effect transfer, stamp duty calculation will be based on the S&P Price.
opps...
Sambungan dari recci bank rate n lock-in period, harus juga anda mindful yang bagi rumah yang dibeli dari developer, loan akan pergi setinggi 90% of S&P Price. Pada yg tak tahu S&P= Sale and Purchase Agreement ye. Ada jugak bank yg bagi lebih,tapi saya tulis yg resam aje la. so the remaining 10% harusla anda bayar sendiri. samada pakai duit dalam bank anda (atau bank anak-anak) atau duit laki anda sendiri yang kaya raya. Tapi usah khuatir..itu boleh direimburse oleh KWSP - sekiranya ini rumah pertama anda.
tapi lets not go to payment deposit yet. Kita belum sampai stage itu lagi ye. baru aje start nak recci bank. Letter of Offer dari bank pun belum dapat yea. Ikut stage yang dinyatakan ok.
Ok..bila dah confirm S&P and eligiblity anda bagai..mintak loan selama yg boleh. Kenapa saya cakap begitu? Nampak naa aku ni suka berhutang. Bukan apa. period yg lama bermakna instalment nyer pun sikit. Ai..lama sangat nanti interest pun banyak!! Tanya si polan tu..Iye..memang la..tapi anda baca tak Jilid 1 yang cakap tips beli rumah untuk orang tak berapa banyak RM?? Haa..yang pastinya dengan monthly instalment sikit, anda akan ada lebih duit untuk saving. Sekiranya ada lebih saving, makanya bila dah banyak saving, buleh juga anda bayar untuk prinsipal sum (sekiranya conventional - MAKE SURE BILA LUMP SUM PAYMENT DIBUAT ANDA ISSUE WRITTEN INSTRUCTION FOR PRINSIPAL PAYMENT!!) dan mempercepatkan pembayaran hutang sekiranya ianya islamic financing.
TIPS SELINGAN: LUMP SUM PAYMENT AKAN TIED NGAN LOCK-IN PERIOD ANDA. U MAY BE CHARGED A PENALTY FOR LUMP SUM PAYMENT IF YOUR LOCK-IN PERIOD HASNT EXPIRED. PLEASE READ LETTER OF OFFER PARTICULAR THE FINE PRINTS.
jangan risau the fact anda berhutang pinjaman rumah. Kerana MRTA atau insurance akan cover sekiranya anda mati sebelum sempat bayar hutang dan menjadi harta pusaka anak-anak anda. proses tukar nama anda yg dah jadik makanan cacing kepada anak menantu or suami anda yang mungkin akan kahwin lain selepas abis edah tu kira topik lain yea. Bila rajin aku post bebila.
Bagi mereka yang membeli rumah SIAP DENGAN CF daripada developer pula..harus ingat konsep margin of financing telah bertukar.Instead of mendapat 90% financing dari bank berdasarkan harga S&P, financing akan diberi berdasarkan harga pasaran semasa. Developer pada peringkat ini, tidak lagi menjual rumah tersebut pada harga asal pembeli awal, tapi akan mark-up like no body bussiness la - especially if kawasan anda tu dah maju or memang upper class. Confirm confirm rega S&P anda akan menjunam naik RM50K -Rm100K.
MALANGNYA, harga pasaran most definitely AKAN LEBIH RENDAH dari harga jualan developer tu. So bila ini terjadi,maknanya anda bukan akan kena top-up 10% deposit aje, tapi kekadang 20% or 30% of the shortfall. Uwaaa mana cukup kan? Itu belum masuk renovation cost.walaupun writer ni tak de duit, tapi cita cita nak wet -dry kitchen ala IKEA's kitchen masih kental tersemat di sanubari.
Therefore, pay attention to what im gonna write after this.
when u prepare your documents,make sure u prepare in at least 6 copies. Apply to all 6 or more banks and STRESSsed that u want to know the market value before they process your application. 3 -4 banks will definitely quote you the lower value..tapi some salesman (if u are lucky)will try hard to seal the deal dengan berusaha lebih keras sikit dalam mendapatkan value yang lebih tinggi for u.
dalam masa yang same, u also have to write to developer to quote the non-bumi price in your S&P. So if both prices (S&P and valuation) are higher than your actual price, u may ended paying less than 10% of deposit or no deposit at all!!
Tapi ingat risiko stamp duty nanti yea. akan lebih sebab bila title dah keluar n nak effect transfer, stamp duty calculation will be based on the S&P Price.
opps...
Tips Membeli Rumah - Jilid 1
Hari ini saya akan menjadi generous dengan memberitahu tip-tip untuk membeli rumah (terutamanya bagi orang yang tak berapa ada duit - seperti saya). Ohh btw, tips ini hanyalah untuk rumah yg beli dari developer ye. rumah beli dari orang lain atau commonly termed as sub-sale ini tak termasuk dalam tips yang bakal saya berikan ini.
Perkara pertama yang perlu dibuat selepas merecci area/rumah yang anda nak beli ialah membayar duit booking. ofcourse la yea..tak payah la saya go into details cara cara nak merecci umah. itu ikut criteria puan puan la yea.nak dekat ngan sekolah ke,nak dekat ngan umah pak ke. ada padang permainan ke..dekat ngan karaoke centre ke...oppss..
berhubung booking fees..if dengan developer, ada yg ngada-ngada mintak 1% la, 5% la..abaikan saja. yg penting anda bayar. If dia desak..kata ini aja yg saya ada..lepas saya recci bank,baru saya bayar remaining. Selalunya anda bayarlah rm500 or rm1000 - yang mana lepas duit poket waktu tu. MAKE SURE MINTAK RESIT!!!Ini sangat penting untuk step kedua.
Opps sebelum itu, selepas anda recci umah, try call bank sini untuk tanya dokumen apa perlu untuk apply housing loan. Sediakan dokumen semua itu. Little that we know, tak semua orang dokumen in place.Slip gaji 2 bulan lepas lepas ntah mana tak tau letak etc etc. Compile semua dokumen,baru bayar booking fees. Sebab lepas bayar booking fees, its a snowball of actions. Boleh aje slow-melow cam siput babi, tapi rugi lakan..sapa tak mo masuk umah baru cecepat. Dalam masa prepare dokumen bagai, masa tu baru bayar Booking Fees.
Step kedua ialah recci bank. jangan main bedal aje bank yang developer santak kat puan puan yea. walaupun lebih mudah, kadang-kala rate ataupun package yang diberikan tak berapa menyelerakan dalam jangka masa panjang. TAPI PERKARA YANG PALING PENTING = MINTAK ZERO MOVING COST!! Zero moving cost basically means, anda incur minimum sahaja untuk perbelanjaan peguam/processing loan etc etc. Pikir $$$$$ yang berkaitan dengan bank - mana yang boleh diminimisekan, kita minimisekan. perkara sampingan yang anda kena pikir berhubung bank & loan application ialah interest rate dan lock-in period. Interest rate or faedah if islamic loan walaupun secara sapu rata sama je bank ini dengan bank sana, tapi worth to be looked at if korang jenis rm50 pun berkira. tapi if setakat rm100-rm200 monthly tu takde hal kat korang, bedal aje la mana bank pun.
Perkara kedua ialah lock-in period. Lock-in period ialah masa anda ter-tied ngan bank tu. Masa lock-in ni u olls tak leh jual/refinance or buat apa-apa kat property tu tanpa sebarang cas/penalty. Rugi oo tak pasal pasal kena bayar 3% la 5% la tak tentu pasal kat bank. Lock-in period ni tak tentu di antara bank, ada yg 5 ada yang 3. Rate pun berbeza. Kaw-tim ngan salesman bank tu untuk minimise kan lock-in period dalam letter of offer anda. Kalau awal awal dia dah cakap itu standard - persetankan. Mana ada standard. suh dia recommend for minimum lock-in period. JANGAN PERCAYA CAKAP SALESMAN BANK tu. most of the time, dia akan jual package yang menguntungkan bank dengan ayat-ayat yang membuatkan anda rasa anda sangat beruntung ambil loan ngan bank ni.
sambung di jilid 2 ook..sat sat lagi ke nanti aku buat
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