Those yang ada plan nak beli rumah, make sure to keep these documents and susun cantik-cantik. Bank akan tengok bila nak apply for housing loan nanti
A short thread ๐๐ป๐๐ป๐๐ป ๐๐ป๐๐ป
Adik-adik. Bila nak cari kerja, go for MNC companies for better pay. Starting salary for fresh ranging from RM 2.7K - RM 3.1K not including other allowances (if any). Benefit pun better macam unlimited outpatient, hospitalisation up to RM 200K per year and cover spouse/chlid
Bila nak beli rumah nanti, make sure kau tahu tittle jenis rumah yang kau nak beli tu.
Basically ada 3 tittle and each tittle ada their own respective usage
A short thread ๐๐ป
lepak dengan kawan tadi and tunjuk video ni. Dia kata ni biasa ni belum complicated lagi.
dia cerita masa wife dia pregnant dah few months macam tu, wife dia buat scan untuk tahu jantina anak and suruh dia teka. Dia teka perempuan and betul jantina baby tu perempuan
seminggu
Bila beli rumah guna bank loan (Islamic loan) dalam offer letter akan stated ceiling price dengan ceiling rate
Boleh dengar explanation personal banker dalam video ni berkenaan dengan those ceiling things ๐๐ป
If weekend ni tak tahu nak pergi mana, you guys boleh lah pergi naik cruise dekat Putrajaya. Bayar RM 15 je and dapat enjoy the view. Tenang betul masa naik cruise ni haritu
Sini aku ajar steps nak naik cruise โด๏ธ
Baru jadi. Owner and agent try nak scam tenant. Deposit RM 6K taknak refund and siap ugut tenat lagi dengan alasan tenant tak jaga rumah dengan baik
Agent bagitahu nak report police and akan sebab kan tenant susah nak cari rumah untuk sewa lepas ni
Okaylah harini taknak tweet pasal property. Just to ask around, if you are above 30 and still single kan, actually are you really really okay?
Especially seeing your friends dah bahagia with their partners and kids all
Need an honest answer. What do you feel actually ๐๐ป
Tengah survey buffet iftar ramadan sebab nak berbuka puasa dengan team. Aku share sini sekali kot ada yang tengah cari-cari juga
List semua bawah RM 100 ๐๐ป
Client cerita pengalaman dia kena scam masa nak cari rumah sewa. Deposit burn, rumah tak dapat and scammer masih lagi bebas
Those yang tengah cari rumah sewa, kena lebih berhati-hati. Ini MO scammer ๐๐ป
Kesian nya bila jadi case macam ni. Rupanya sewa atas penyewa, bukan owner. Deposit macam burn and kena halau dari rumah sewa pula
Dah advised untuk dia guna service speedhome sebab tak silap speedhome tak perlu bayar deposit. Hopefully urusan dia dipermudahkan
Jadi content creator dekat Tiktok boleh dapat income RM 4K monthly and weekly ranking boleh dapat RM 10K - 20K fuhhh really a good pay
Adik-adik, โฆโฆ
Bila beli rumah guna bank loan (Islamic loan) dalam offer letter akan stated ceiling price dengan ceiling rate
Boleh dengar explanation personal banker dalam video ni berkenaan dengan those ceiling things ๐๐ป
those yang suka makan terung, try goreng tepung macam ni. lembut dekat dalam rangup dekat luar. yang tak makan terung pun boleh try. tak rasa terung pun, rasa ikan. Sedap tak tipu ๐
# done share tips yang tidak diminta
Lembaga Perumahan Hartanah ๐๐๐ฅ๐๐ง๐ ๐จ๐ซ (LHPS) ada unit ๐น๐๐๐๐ ๐ด๐๐๐๐ ๐ด๐๐๐๐ dekat Damansara
harga cuma RM 270,000 dengan concept yang lebih modern untuk match dengan contemporary society
๐๐๐ง๐๐๐ ๐๐ป
Those yang tanya macam mana nak apply MNC. Pergi dekat Jobstreet and Linkedin and search shared services and apply as many as you can. Engage juga dengan headhunter and recruiter company. All the best
Defect Liability Period ni mcm warranty developer. Memang
kena conduct a thorough inspection, mark out any issues & get the developer to fix them before the warranty period runs out. 2 tahun start kira dari date dapat kunci. Ini bukan macam beli TV kalau rosak dapat baru kan ๐๐ปโโ๏ธ
Nak pening pasaipa dah memang dia yang bayar, biarlah dia suarakan benda yang sepatutnya.. Lagipun zaman sekarang ramai sangat pemaju buat kerja lebih kurang..
At last, tenant yang pergi buat report police. Bawa copy agreement yang dah stamped, resit bayaran sewa rumah and whatsapp conversation as a proof
Owner and agent kena panggil dekat balai. Dekat situ juga settle and owner refund deposit tenant tadi
Jadilah tenant yang berani โ
Met a client yang dah beli RM 700K++ condo dekat Cyberjaya. Shes in 40s
Casually talk โbiasanya in your age and with this price dekat Cyber, orang prefer to buy landed. Why you the other way around?โ
and she replied โ I failed my married twice and my first home was a landed.
@khairulaming
Perlu tahu
Tittle : Residential/Commercial/Commercial HDA
Downpayment
Legal Fees for SPA & Disbursement
Legal Fees for Loan & Disbursement
Loan Stamp Duty
MOT
Maintenance Fee & Sinking Fund
Land Tenure
Total Unit/Unit per floor/Total floor
Car park
Facilities
Layout & Floor plan
Ada satu MNC company ni bagi RM 4K per year for travel purposes which means boleh claim flight, hotel, gym membership etc
Coverage hospitalization RM 100K per illness and many more to list
As a penyewa, make sure agreement rumah sewa tu stamped ya. Heard that if tak stamped then tak valid
Simpan document2 yang berkaitan dengan rumah sewa termasuk resit bayaran. In case jadi apa-apa nanti, semua dah ada dalam tangan
Dalam case ni,
Tenant 1๏ธโฃ - 0๏ธโฃ Owner Kapitalis
@sofearozaidi_
I ambil marigold punya jus yang no sugar added. Sedap and manis juga. Lunch and dinner masak lauk-lauk macam ni. Beras ganti brown rice and roti untuk breakfast ambil yang wholemeal.
Buying a car/house mungkin not an achievement to you but to anyone else, perhaps its a yes. Eventho cuma loan but it requires a lot of hard work to ensure the loan is approved. CCRIS cantik, good scoring, ada saving etc. Yang penting, ukur baju di badan sendiri and you are happy
Kawan not in my circle call minta tutor account adik dia SPM. Rejected nicely sbb dah stop tutor since busy with other things. Suggested him buy
@omarfaayiz
books instead and he angrily told meโApa mahal sangat buku ni. Harga yahudiโ & I replied โha ah sebab aku agent illuminatiโ
@surayaror
There is nothing I want to change. I am happy and proud of who I am today. Peoples made mistake but it what taught us maturity and wisdom. I am focusing on my future goals and you have the best platform to elevate my skills & experiences
Jawab keja confident & sincere (kot) ๐
Dekat Putrajaya ada satu Secret Garden yang best untuk jalan-jalan tengok lampu
Open for public. Everyday from 7 pm to midnight. Masuk free je. Dah penat jalan nanti boleh la lepak makan minum dekat foodtruck dalam tu juga
Yang SINGLE tak payah la pergi, duduk rumah je. Okay
1. Payslip
Bank akan request 3-6 months payslip. If you are a fixed income earner, 3 months payslip dah cukup. Yang with variable income sebab ada allowance, claim, reimb etc biasanya perlu provide 6 months payslip sebab nak kira average income
๐๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐ ๐๐ ๐พ๐๐๐ ๐พ๐๐๐๐๐
A ๐๐๐๐๐๐๐ suites & ๐ฅ๐ถ๐ข๐ญ ๐ฌ๐ฆ๐บ ๐ค๐ฐ๐ฏ๐ค๐ฆ๐ฑ๐ต located in the bustling of Jalan Yap Kwan Seng. ๐๐๐ฌ๐ข๐ ๐ง๐๐ for modern professionals, ๐ด๐ฉ๐ฐ๐ณ๐ต ๐ต๐ฆ๐ณ๐ฎ ๐ณ๐ฆ๐ฏ๐ต๐ข๐ญ, home office & business
๐ก๐๐ข๐ ๐๐ป
Kalau malas nak ke Jibril or gold chili dekat SS15, buttermilk chicken Coboroy la aku pilih. Rasa pun just nice. Tempat selesa and tak perlu beratur. Dulu nampak
@Ashril_92
yang tweet ๐๐ป๐๐ป๐๐ป
Harini masak extra. Hantar dekat kawan-kawan yang dekat dengan rumah. Ada rezeki lebih, kita kongsi dengan orang lain. 3 jam lebih berdiri dekat dapur siapkan semua lauk ni ๐๐๐
Lalu dekat fyp traveller ni checked in dekat one of our commercial property dekat KL
A studio unit with super large window. If you have the opportunity, would you like to invest and own the same?
Luckily tenant ada documented semua resit bayar sewa. In fact, tenant tak pernah lambat or missed bayar sewa. Rumah pun dia jaga dengan baik
Tenant dah bagi notice 2 bulan awal untuk keluar as per stated in the agreement contract
Selain Mandarin, boleh consider untuk belajar bahasa Jepun & Korea. Client saya kerja dalam bidang accounting dekat MNC company even though from engineering background. Untuk beginner level, gaji dia almost sama dengan Senior level and dia Japanese Speaker โ
So those yang cari rumah sewa, elakkan buat payment dekat personal bank account. If deal dengan agent minta REN number & payment to agency/company bank account
If deal direct owner, kena lebih berhati-hati sbb kalau direct owner, memang kena payment dekat owner punya bank acc
1. Hi-Tea by High Tea @ Genting Highland
RM 88 for 2-3 pax. Just nice la nak chill and coffee time. Ada 18 pieces of dessert and two drinks
Dia inside Sky Avenue. Boleh pergi dekat Park Avenue Longue
Weekday & Weekend
12 pm - 6 pm
Instead of pergi Sungai Pisang, aku suggest kauorang pergi Skytrex dekat Sungai Congkak. Lepas dah penat panjat pokok and flying fox, boleh mandi sungai. Cantik and bersih tau. They are reopening 16th Sept ni. Book ticket cepat sebelum slot full especially weekend ๐๐๐
@khairulaming
Berapa lift
Location lift, staircase, refuse room
water tank
Berapa tier security
Size and room measurement (if its matter)
Bare/Partially/Fully furnished
Entrance & Exit
Price per sqft
Land area
How many block
Accessibilities & Amenities
Bumi/Non bumi/Malay reserve
As of last weekend, our team dapat jual 13 units rumah mampu milik Damansara & together with other teams, per checking telegram group developer, almost 50 units sold ๐ฅ
After months trying & try error with the ads, think they found the correct target market
RM 270K Damansara ๐๐ป
Best part is dapat opportunity to travel to the country youโve been assigned untuk belajar how they do the task etc
e.g if kena buat migration market Dubai, then kena go to Dubai. If kena buat Japan, Korea, Thailand, Philippine etc then kena pergi usually a month macam tu
Selain Mandarin, boleh consider untuk belajar bahasa Jepun & Korea. Client saya kerja dalam bidang accounting dekat MNC company even though from engineering background. Untuk beginner level, gaji dia almost sama dengan Senior level and dia Japanese Speaker โ
2. Bank Statement
Same goes to payslip. If provide 3 months payslip, then 3 months bank statement. If provide 6 months payslip, then 6 months bank statement. Bagi bank statement yang tunjuk gaji masuk. If gaji masuk bank lain and buat saving dekat bank lain, boleh provide both
YOUR RT IS MUCH APPRECIATED โ๏ธ
Ada sahabat saya affected due to Covid19.He needs job to survive and since dia ada exp in baking, saya bagi dia manage business KEKNOULA saya. Semalam sempat visit ke rumah dia untuk saya hantar kitchen tools such as oven, whisk, baking material etc
Semi D look with Kampung Vibes
3 Storey residence @ Cyberjaya
5-7 Bedrooms
4-5 Bathrooms
Porch can fit up to 4 cars
Club house facilities
Price range above RM 1M
Cantik rumah ni. 2 Storey terrace Setia Safiro dekat Cyberjaya
Brand new lagi. Owner dapat kunci awal tahun haritu. Freehold strata title
Ada 3 bedrooms 3 bathrooms. Built up 1,828 sqft
Price RM 860,000
Tips for fresh graduate, if nak cari kerja dekat jobstreet, search shared service company or MNC. They pay higher salary compare to local. Bonus kalau foreign speaker (Korea,Japan etc). If junior level or dia nak 1 year experience, apply je. Attach with recruiter agency as well
3. Employee Confirmation Letter
Letter ni boleh request from HR. Basically dalam letter tu dia akan state nama company, your employee details, position and salary. Itโs to verify that you bekerja dalam company tu
Since haritu ada yang request nak tahu bank nak tengok apa pula for housing loan application if you are a business owner/self employed/kerja sendiri, you can keep this for future reference if ada plan nak beli rumah nanti
A short thread ๐๐ป๐๐ป๐๐ป๐๐ป๐๐ป
Yes harga rumah tengah turun sekarang 10-15% lower from previous years. Now is buyer market especially bila BNM turunkan OPR. If you are financially stable, can consider to own one now
Thread sampai sini. Hope it helps. Boleh fav for future reference. Next time kita tengok pula apa documents yang bank perlukan for those yang buat business sendiri and commission earner โ๐ปโ๐ปโ๐ป
4. EPF Statement
Bank nak tengok how much balance yang ada. And the pay slip & transaction is real or not. Dekat payslip boleh check deduction epf and match tak amount tu credited dalam epf. Ada certain cases yang self create payslip. Amount atas paper je tapi tak credited pun
โSaya small business je, jual burger open stall. Boleh ke beli rumahโ?
Boleh. Provided that
โข Register SSM
โข Open current acc
โข Declare income tax 2y
โข Self contribute EPF
Brother ni share dia dapat beli rumah & kereta hasil income jual burger. Cash flow pun kena cantik โ
Most of MNC practising hybrid working model and you will get a personal laptop. So boleh work from home , cafes or anywhere as long as dapat connect with secure internet connection
Dapat contact real owner rumah tu. Actually owner tu buat rumah dia as AIRBNB. So scammer book sehari dua for buat activity scam dia. Act as an owner untuk bawa viewing etc so penyewa akan confident untuk buat booking payment. Ini MO yang scammer buat. Memang nampak legit la kan
If dekat Cyber ada 3 Storey with Kampung vibes. Dekat Sunsuria City ada 3 Storey Villa with French inspired design
Exclusive and Luxury in 525 acre Freehold land. New township
From RM 1.2 Million
6. Other statement macam saving dalam tabung haji, ASB, FD, bonus payslip if any, yang boleh digunakan as supporting for better scoring. It will help to get higher loan margin and lower/better interest rate
Client looking for a property yang dia boleh stay bila holiday & make it as a ๐๐๐๐๐ ๐๐๐๐ ๐๐๐๐๐๐ bila dia going out or outstation/travel. Hence, to support instalment
Proposed him a ๐๐จ๐ฆ๐ฆ๐๐ซ๐๐ข๐๐ฅ project Damansara. As low as RM 320,700 at prime area
Next ๐๐ป
Ada kawan nak tumpang tidur rumah and Iโll be away this weekend for business trip. So tadi dah siapkan semua untuk dia and just left note โbuat macam rumah sendiriโ ๐
1. Park dekat area Masjid Putra
2. Dekat Masjid, turun escalator then ke kiri. Cari tempat jual ticket cruise
3. Last cruise pukul 7. Kalau ambil last trip, fees jadi RM 15 sahaja. Kalau before 7, fees dewasa RM 30
4. Ticket akan dijual 1 jam sebelum trip. Means kalau nak
Pagi tadi kawan bagitahu hp dia jatuh pecah. Terus belikan dia hp baru. Pergi dngn kawan lain and belikan dia kasut sbb dia suka running. Kerja keras bukan hasilnya untuk diri sendiri je tapi utk orang sekeliling juga. Duit blh cari tapi keluarga & kawan rapat tak ada ganti ๐
Susah nak describe how beautiful Gamuda Garden is. 810 acres new township. Calmness and refreshing. Last weekend gerak from Empire City Subang around 25 minutes but of course if peak hour will take longer. I will be there again this weekend for appointment. Hmu if nak join โจ๐๐
Cari gift untuk client sebab nak serah kunci rumah hari khamis nanti. Selalu nampak brand ni dekat shopee tapi dekat Setia City Mall ada physical store dia. Semua cantik-cantik, tak tahu nak pilih yang mana ๐๐๐
Nak minta tolong kuasa viral twitter ๐๐ป๐๐ป๐๐ป. Adik saya dah habis PT3 and tengah kumpul duit nak beli handphone. Instead of I buy her a phone, i bagi dia modal untuk start jual cookies . JOM support dia. Tolong retweet pun tak apa Thank you ๐ฌ๐โค๏ธ
#abangbaikhati
#viral
#cookies
Sewa dulu and at the same time build a good score credit rating. Hence, boleh dapat higher margin loan and better interest rate. Guna Skim Rumah Pertamaku (SRP) if eligible. Best if satu rumah atas nama husband, satu lagi rumah atas nama wife and another rumah baru join loan โ
Loan bersama utk beli rumah lepas kahwin, boleh je takde masalah.
Tetapi perlu juga prepare for the worst, rumah jadi milik siapa jika penama tu meninggal.
Banyak lagi sebenarnya benda pros & cons yg perlu diambil berat.
Apa pendapat korang?
Nak bagi grab driver ni 1 โญ๏ธ boleh tak? Sebab dia tanya kenapa umur 30 tak kahwin lagi. Dia dulu umur 23 dah kahwin. Dah la aircond buka 1 je tak rasa sampai belakang pakcik