Bagaimana saya nak tahu kelayakan pinjaman saya?

Nak senang faham, Debt Service Ratio (DSR) atau dalam Bahasa Malaysianya, Nisbah Khidmat Hutang, adalah formula ratio yang bank gunakan untuk mengira samada seseorang tu layak atau tidak untuk mendapat pinjaman yang dimohon dari bank.

Bila dah ready nak beli rumah, mesti la nak kena apply loan dengan bank kan?

Untuk makluman, bank akan guna formula ratio ni untuk kira sejauh mana kemampuan korang untuk bayar balik hutang setiap bulan.

Bank akan gunakan gaji bersih bulanan dan jumlah hutang tetap setiap bulan macam bayar pinjaman kereta, bayar pinjaman belajar dan lain-lain lagi untuk tentukan samada tahap kewangan anda sesuai ke tak dengan harga rumah yang nak beli tu.

Yang paling penting, bank kena pastikan yang setiap peminjam tu mampu bayar balik pinjaman rumah yang dipinjam.

Ratio ni jugalah yang bank akan guna untuk bandingkan DSR peminjam dengan limit maksimum DSR yang dah ditetapkan oleh bank.

Kalau DSR anda tak melebihi limit tu, maka, makin dekatlah jurang antara anda dengan duit pinjaman perumahan itu!

Klik sini untuk kira kelayakan anda.

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Apakah perbezaan antara Broker Hartanah dan Perunding Hartanah?

Kerjaya menjual hartanah memerlukan ianya dilesenkan oleh kerajaan melalui Lembaga Penilai, Pentaksir, Ejen Harta Tanah dan Pengurus Harta (LPPEH) supaya mereka dapat mengawal keperluan pendidikan dan pengalaman serta mempunyai kuasa pusat untuk menyelesaikan masalah pengguna.

Broker pada umumnya dikehendaki mempunyai lebih banyak pendidikan dan pengalaman daripada Perunding atau Ejen hartanah.

Orang yang biasanya anda berurusan ialah Perunding Hartanah. Perunding Hartanah dilesenkan oleh kerajaan, tetapi mesti bekerja untuk Broker Hartanah. Semua penyenaraian ditempatkan dibawah nama Broker Hartanah dan bukannya Perunding Hartanah.

Broker Hartanah boleh berurusan langsung dengan pembeli rumah dan penjual, atau boleh mempunyai kakitangan Perunding atau Ejen Hartanah yang bekerja untuknya.

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Mengapa saya perlukan Perunding Hartanah?

Perunding hartanah bukan lah sekadar “jurujual”. Kami bertindak sebagai wakil anda, memberikan nasihat serta bimbingan dan melakukan membantu memudahkan transaksi membeli atau menjual hartanah anda.

Walaupun benar kami dibayar untuk apa yang kami lakukan, ianya sama juga seperti profesion lain yang memberi nasihat, bimbingan, dan mempunyai khidmat untuk menjual sama seperti Akauntan dan Peguam.

Tawaran Hartanah

Walaupun data mengenai penyenaraian hartanah yang tersedia untuk dijual adalah hampir semasa – namun ianya belum muktamad. Ada kalanya anda memerlukan maklumat terkini mengenai apa yang telah dijual atau yang akan dijual, dan satu-satunya cara untuk mendapatkannya adalah dengan perunding hartanah yang mempunyai akses pada tawaran terkini dan yang terbaik untuk anda.

Pelbagai Proses Yang Rumit

Pembelian hartanah merupakan proses yang rumit yang mana ianya memerlukan anda berhubung dengan pelbagai pihak ataupun vendor seperti Pemaju, Pemilik Hartanah, Penilai Harta, Peguam, Bank, Insuran, Pejabat Tanah dan sebagainya.

Ianya memerlukan masa untuk mengetahui tawaran terbaik dan Perunding Hartanah yang baik mempunyai hubungan yang baik dengan vendor yang terlibat dan memahami proses yang terkini untuk melancarkan urusan klien mereka.

Jaminan Kualiti

Perunding Hartanah yang baik akan memastikan vendor melunaskan janji-janji mereka kepada klien mereka. Ini kerana mereka ingin memastikan keseluruhan proses klien mereka berjalan lancar kerana memudahkan urusan mereka di masa hadapan. Vendor juga mempunyai kepentingan untuk memelihara hubungan baik dengan perunding hartanah untuk perniagaan mereka.

Jimat Masa & Kos

Masa adalah aset terpenting untuk anda dan khidmat Perunding Hartanah akan menjimatkan masa serta melupuskan segala kos-kos tersembunyi dalam sesuatu transaksi. Sesuatu transaksi memerlukan anda “follow up” pelbagai vendor dan adalah lebih efektif masa tersebut disalurkan pada aktiviti yang memberi pulangan yang lebih besar pada anda.

Ketenangan Minda & Emosi

Pembelian dan penjualan hartanah kadang kala akan mengganggu emosi dan perasaan anda. Pengetahuan dan pengalaman Perunding Hartanah sedikit sebanyak akan mengurangkan tekanan yang dihadapi anda dalam menyelesaikan transaksi yang mungkin paling besar dalam hidup anda.

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I have a family friend who is a Realtor. I like her and she is a help but she gives me one price to sell my home for and I think it is too low. So I called another agent who suggested a price more in line with my expectations. Who do I choose?

You might want to consult a couple more Realtors on the market value of your home. Most of the estimates should be in the same ballpark.

It could be that your friend is being more honest with you about the value of your home and the other Realtor gave you a higher number because he already knew you expected it. This is called “Buying a Listing” and is the subject of an article on our web site.

Or it could simply be that your friend is a good friend, but not that great of a real estate agent.

Mixing business and friendships is always risky to the friendship. On the other hand, if your friend is truly competent and was providing wise advice, she may be offended if you ignore the advice and choose another agent.

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I have to make a choice between an updated home in an older neighborhood or a newer home in a more modern neighborhood. The home in the older neighborhood has almost everything I want and is much larger, but which makes the most sense as an investment?

If your goal is to buy a home for it’s resale value and the one you are thinking of buying in the older neighborhood is at the upper end of values for that neighborhood, then it may not be the wisest choice. If it is similar or lower in price to the others, then there should be no problem, because pricing should be considered in relation to the local neighborhood and not compared to homes in other neighborhoods (for the most part)

Plus, is it a neighborhood on the decline, or are others going to be fixing things up, too, so that it is a neighborhood that is improving? It could turn out to be a very good deal as long as you don’t “overpay” because of the recent improvements.

Remember that you also buy a home for it’s value to you as a “home,” and that is something else you should consider. Which neighborhood would you AND your family feel most comfortable in?

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When buying a new home, what upgrades should we go for? What holds the most value? Do we upgrade the lot? Pick more square footage in the house? Add an extra bedroom?, etc.

A lot depends on why you are buying the house. Are you buying it mostly as a home or mostly as an investment? There is a difference.

For the most part, upgrades are high-profit items for builders. They aren’t designed to enhance the value of the house, but make you happier with the house you do buy.

If you are looking at your home as an investment, then you buy from the smaller to medium size in the tract and spend only a minimal amount on upgrades. If you are looking at your purchase as a home, then you select upgrades that will enhance your quality of living.

One rule of thumb is to always upgrade the carpet and padding.

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When buying a new home, what upgrades should we go for? What holds the most value? Do we upgrade the lot? Pick more square footage in the house? Add an extra bedroom?, etc.

A lot depends on why you are buying the house. Are you buying it mostly as a home or mostly as an investment? There is a difference.

For the most part, upgrades are high-profit items for builders. They aren’t designed to enhance the value of the house, but make you happier with the house you do buy.

If you are looking at your home as an investment, then you buy from the smaller to medium size in the tract and spend only a minimal amount on upgrades. If you are looking at your purchase as a home, then you select upgrades that will enhance your quality of living.

One rule of thumb is to always upgrade the carpet and padding.

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I have to make a choice between an updated home in an older neighborhood or a newer home in a more modern neighborhood. The home in the older neighborhood has almost everything I want and is much larger, but which makes the most sense as an investment?

If your goal is to buy a home for it’s resale value and the one you are thinking of buying in the older neighborhood is at the upper end of values for that neighborhood, then it may not be the wisest choice. If it is similar or lower in price to the others, then there should be no problem, because pricing should be considered in relation to the local neighborhood and not compared to homes in other neighborhoods (for the most part)

Plus, is it a neighborhood on the decline, or are others going to be fixing things up, too, so that it is a neighborhood that is improving? It could turn out to be a very good deal as long as you don’t “overpay” because of the recent improvements.

Remember that you also buy a home for it’s value to you as a “home,” and that is something else you should consider. Which neighborhood would you AND your family feel most comfortable in?

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I have a family friend who is a Realtor. I like her and she is a help but she gives me one price to sell my home for and I think it is too low. So I called another agent who suggested a price more in line with my expectations. Who do I choose?

You might want to consult a couple more Realtors on the market value of your home. Most of the estimates should be in the same ballpark.

It could be that your friend is being more honest with you about the value of your home and the other Realtor gave you a higher number because he already knew you expected it. This is called “Buying a Listing” and is the subject of an article on our web site.

Or it could simply be that your friend is a good friend, but not that great of a real estate agent.

Mixing business and friendships is always risky to the friendship. On the other hand, if your friend is truly competent and was providing wise advice, she may be offended if you ignore the advice and choose another agent.

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Why should I use a real estate salesperson?

A real estate salesperson is more than just a “sales person.” They act on your behalf as your agent, providing you with advice and guidance and doing a job – helping you buy or sell a home. While it is true they get paid for what they do, so do other professions that provide advice, guidance, and have a service to sell –such as Certified Public Accountants and Attorneys

The Internet has opened up a world of information that wasn’t previously available to homebuyers and seller. The data on listings available for sale is almost current – but not quite. There are times when you need the most current information about what has sold or is for sale, and the only way to get that is with an agent.

If you’re selling a home, you gain access to the most buyers by being listed in the Multiple Listing Service. Only a licensed real estate agent who is a member of your local MLS can get you listed there – which then gets you automatically listed on some of the major real estate web sites. If you’re buying or selling a home, the MLS is your agent’s best tool.

However, the role of an agent has changed in the last couple of years. In the past, agents were the only way home buyers and sellers could access information. Now agents are evolving. Because today’s home buyers and sellers are so much better informed than in the past, expertise and ability are becoming more important.

The real estate agent is becoming more of a “guide” than a “salesperson” — your personal representative in buying or selling a home.

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What is the difference between a real estate agent and a real estate broker?

Most states require real estate sales professionals to be licensed by the state, so that they can control education and experience requirements and have a central authority to resolve consumer problems.

The terminology used to identify real estate professionals varies a little from state to state. Brokers are generally required to have more education and experience than real estate salespersons or agents.

The person you normally deal with is a real estate agent or salesperson. The salesperson is licensed by the state, but must work for a broker. All listings are placed in the broker’s name, not the salesperson’s.

A broker can deal directly with home buyers and sellers, or can have a staff of salespersons or agents working for him or her.

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