Perunding Hartanah Anda by Hadi

Perunding Hartanah Anda by Hadi Membantu anda dalam menguruskan hal jual beli dan sewa hartanah anda

KELEBIHAN REFINANCE RUMAH yang ada orang masih tidak tahu..dan ANDA PERLU TAHU!1️⃣ Sekiranya sebelum ni anda menggunakan...
15/09/2022

KELEBIHAN REFINANCE RUMAH yang ada orang masih tidak tahu..
dan ANDA PERLU TAHU!

1️⃣ Sekiranya sebelum ni anda menggunakan pinjaman konvensional,
sekarang ada pilihan untuk bertukar kepada pembiayaan islamik yang patuh syariah dengan cara refinance rumah anda dengan memilih Pembiayaan Islamik,
jangan pulak lepas refinance still ambil yang konvensional.

2️⃣ Dapat kurangkan kadar faedah (keuntungan bank) "Loan Rumah" anda sekiranya sebelum ini kadar faedah lebih tinggi.
Yang buat "Loan Rumah" dah lama tu, pernah tak semak balik berapa kadar faedah terkini?
Berbaloi ke dulu dapat kadar faedah sehingga 6-7%+?
Lepas tu pelik kenapa baki hutang lambat je berkurang.

3️⃣ Dapat tutup dan satukan segala hutang-hutang jahat yang mempunyai kadar faedah yang tinggi seperti Pinjaman Peribadi, Kad Kredit dan Pinjaman Kredit (Kedai).
Buat pinjaman ni jangan hanya tengok pada kadar faedah je berapa %, tapi kena tahu jugak cara pengiraan tu.
Sebab cara pengiraan kadar faedah "Loan Rumah" sebenarnya lebih rendah bayaran bulanan tu walaupun nampak pada angka % tu sama.

4️⃣ Dapat kurangkan komitmen bulanan secara total selepas satukan hutang-hutang tadi.
So boleh la bernafas semula kan, tapi jangan pulak ambil peluang ni untuk ulang semula kesilapan yang sama.

5️⃣ Aliran tunai pun automatik akan bertambah selepas komitmen bulanan dah kurang, so boleh la saving lebih sikit kan.
Apa kata kembangkan lagi simpanan kita ke portfolio kewangan yang boleh gandakan duit kita.
Kalau tahu teknik yang betul, boleh je settle awal "Loan Rumah" yang baru refinance tu.
Tak semestinya tempoh loan 30tahun, selepas 30tahun baru boleh settle.

6️⃣ Bila komitmen bulanan dah kurang, secara automatik kelayakan "Loan Rumah" anda akan naik berbanding sebelum ni.
Ada client saya sebelum refinance dah tak layak untuk buat "Loan Rumah",
lepas refinance dan satukan hutang-hutang, automatik kelayakan "Loan Rumah" naik dalam RM200-300k lagi.
Ada yang lagi best bila refinance dari LPP$A, client ni dah boleh guna LPP$A kali ke-2 dengan kelayakan lebih tinggi.
Best kan, nak tunggu hutang lain tu habis macam lambat lagi je.
Sekarang harga rumah dahla tengah murah kan.

7️⃣ Yang no.7 ni ramai s**a bila refinance, iaitu dapat lebihan tunai (cashout) selepas refinance.
Tapi s**a saya ingatkan supaya guna sebaiknya duit lebihan tersebut,
takut-takut nanti tak dapat bayar dan rumah anda bakal kena lelong.

8️⃣ Wang tunai dari refinancing boleh guna untuk deposit rumah seterusnya.
Bila nak beli rumah yang ketiga, LTV max 70% so mana nak cari 30% lagi eh?
Masa ni la cashout yang kita dapat boleh dimanfaatkan untuk beli rumah ketiga.

9️⃣ Bukan itu je, wang tunai yang kita dapat juga boleh gunakan untuk tambah modal perniagaan.
Lebih baik dari kita buat pinjaman peribadi yang agak berisiko dengan kadar faedah yang lebih tinggi.

Apa-apa pun sebelum Refinance,
buatlah kiraan betul-betul dan dapatkan nasihat daripada individu yang betul.

Setiap kelebihan yang ada jika kita tidak gunakan dengan betul kemungkinan ia akan menjadi risiko pada diri anda.


Perlukan khidmat nasihat untuk Refinance Rumah?
Jom hubungi saya sekarang. FREE consultation ☺️

"HOME FINANCING, REFINANCE & REMORTGAGE

http://bit.ly/rancanghartaanda

refinancing

Adakah anda PEMILIK RUMAH? BELI RUMAH LEBIH 3 TAHUN?Belum pernah dengar tentang pembiayaan semula rumah ?Tahu tak dengan...
14/09/2022

Adakah anda PEMILIK RUMAH?
BELI RUMAH LEBIH 3 TAHUN?

Belum pernah dengar tentang pembiayaan semula rumah ?

Tahu tak dengan membuat pembiayaan semula, anda dapat

1- Menukar kadar interest dgn lebih rendah
2- Sediakan tunai
3- Menyelesaikan hutang anda
4- Kecilkan komitmen bulanan
5- Dana untuk pendidikan anak2.

Peminjam LPPSA digalakkan memohon bagi merendah kn komitmen pada slip gaji

So tunggu apa lagi..
Sila klik dibawah untuk keterangan lebih lanjut😁

http://bit.ly/rancanghartaanda

Service Apartment untuk dijual PANDAN RESIDENCE 1DETAILS-1235sf-Leasehold-Non bumi-8th floor-3 room 2 toilet-2 carpark-F...
06/10/2021

Service Apartment untuk dijual

PANDAN RESIDENCE 1

DETAILS
-1235sf
-Leasehold
-Non bumi
-8th floor
-3 room 2 toilet
-2 carpark
-Fully furnished
-Aircond
-Ceiling fan
-Light
-Kichen cabinet
-Curtain
-Kitchen counter
-Cabinet
-Bed
-Fridge

FACILITIES
-Swimming pool
-Aircondition Gym
-Kids playground
-Bbq pit
-Pavilion
-Sauna

ASKING PRICE RM430K revised price to RM410K
MARKET VALUE RM440K

Whatsapp/call
https://Hadiperundinganda.wasap.my

Hadi Hamdi
Perunding Hartanah
+60177742796
AFZ REALTY SDN BHD

https://Hadiperundinganda.wasap.my
0️⃣1️⃣7️⃣7️⃣7️⃣4️⃣2️⃣7️⃣9️⃣6️⃣







[FOR RENT] SINGLE STOREY, JALAN SERANGKAI, TAMAN BUKIT DAHLIA, PASIR GUDANG, JOHORPROPERTY DETAILSSingle storey1100sqft3...
06/10/2021

[FOR RENT] SINGLE STOREY, JALAN SERANGKAI, TAMAN BUKIT DAHLIA, PASIR GUDANG, JOHOR
PROPERTY DETAILS
Single storey
1100sqft
3 bedrooms + 2 bathrooms
Leasehold
Bumi lot
Other details
Partially furnished
Aircond, cardboard ,bed with 2 queen wize mattress, water heater, tv cabinet,sofa set, dining table,fridge, gas stove
AMENITIES & ACCESBILITY
- Walking distance to shop and market.
- 2min to Surau Al-Hafiz
- 2min to SK Taman Bukit Dahlia
- 6min to SMK Pasir Gudang
- 3min to KPJ Specialist Pasir Gudang
- 6min to Pusat Bandar Pasir Gudang
Monthly rental RM1300
2 + 1 + 1/2
Whatsapp/call
https://Hadiperundinganda.wasap.my

Hadi Hamdi
Perunding Hartanah
+60177742796
AFZ REALTY SDN BHD

https://Hadiperundinganda.wasap.my
0️⃣1️⃣7️⃣7️⃣7️⃣4️⃣2️⃣7️⃣9️⃣6️⃣







[FOR RENT] DOUBEL STOREY TERRACE, JALAN LILI, BESTARI PERDANA PASIR GUDANG JOHORPROPERTY DETAILSFreeholdOriginal unitBar...
06/10/2021

[FOR RENT] DOUBEL STOREY TERRACE, JALAN LILI, BESTARI PERDANA PASIR GUDANG JOHOR
PROPERTY DETAILS
Freehold
Original unit
Bare unit
18×65 land area
1595 sqft
Light, fan, grills, heater
ACCESSIBILITIES
Easy access to Senai - Desaru highway
Easy access to Pasir Gudang Highway
Easy access to Pasir Gudang town
Easy access to industry
Easy access to Scientex
Easy access to Tiram
Free check loan eligibility
Free check ccris & ctos
100% loan for first house buyer t&c
Monthly Rental RM1200
2 + 1 + 500(utilities)
Whatsapp/call
https://Hadiperundinganda.wasap.my

Hadi Hamdi
Perunding Hartanah
+60177742796
AFZ REALTY SDN BHD

https://Hadiperundinganda.wasap.my
0️⃣1️⃣7️⃣7️⃣7️⃣4️⃣2️⃣7️⃣9️⃣6️⃣







RENOVATED, SINGLE STOREY, JLAN PUTERI, TAMAN PUTERI WANGSA, JOHOR BAHRU JOHORPROPERTY DETAILSFreehold3 bedrooms + 2 bath...
06/10/2021

RENOVATED, SINGLE STOREY, JLAN PUTERI, TAMAN PUTERI WANGSA, JOHOR BAHRU JOHOR
PROPERTY DETAILS
Freehold
3 bedrooms + 2 bathrooms
1680sqft
Single storey
Extended kitchen
Bumi lot
AMENITIES
Nearby NSK
Nearby Aeon Tebrau, Hero market, Tesco Tebrau, Toppen, Ikea & Giant Plentong
ACCESSIBILITIES
Easy access Pasir Gudang Highway
Easy access Senai Desaru Highway
Easy access EDL highway
3.18% earnest deposit /booking to check loan approval ( fully refundable with 2 rejection letter from bank)
6.82% upon spa signing - Lawyer arrangement
*Free check CCRIS
*Free check loan eligibility
*100% loan for first house buyer
ASKING PRICE RM445k nego
Whatsapp/call
https://Hadiperundinganda.wasap.my

Hadi Hamdi
Perunding Hartanah
+60177742796
AFZ REALTY SDN BHD

https://Hadiperundinganda.wasap.my
0️⃣1️⃣7️⃣7️⃣7️⃣4️⃣2️⃣7️⃣9️⃣6️⃣







[FOR SALE] [FULLY RENOVATED, PERMAS JAYA, JOHOR BAHRU, JOHOR]PROPERTY DETAILS4 Bedrooms + 3 BathroomsProperty Type: Doub...
16/09/2021

[FOR SALE] [FULLY RENOVATED, PERMAS JAYA, JOHOR BAHRU, JOHOR]
PROPERTY DETAILS
4 Bedrooms + 3 Bathrooms
Property Type: Double storey
terrace
1647 sq.ft.
Freehol
Other Details
Fully extended & renovated - (autogate, build-in wardrobe, two kitchen side
with new kitchen cabinet, cornice, newly installed full wiring, new piping,
full house new paint)
2.0Hp aircond at the living room
AMENITIES
3 mins to Jusco Permas
5 mins to Mid Valley Southkey
7 mins to Woodlands via EDL
Near to SK Rendah & SMK Permas
ACCESSIBILITIES
Easy access EDL highway
Easy access Plentong
Easy access Pasir Gudang Highway
Easy access to JB
Easy access to CIQ
ASKING PRICE RM490K
MARKET VALUE RM530K
Free check loan eligibilty
Free check ctos & ccris
Whatsapp/call
https://Hadiperundinganda.wasap.my

Hadi Hamdi
Perunding Hartanah
+60177742796
AFZ REALTY SDN BHD

https://Hadiperundinganda.wasap.my
0️⃣1️⃣7️⃣7️⃣7️⃣4️⃣2️⃣7️⃣9️⃣6️⃣








[DOUBLE STOREY TERRACE] JALAN LADING, TAMAN PUTERI WANGSA, JOHORPROPERTY DETAILS2 rooms + 1 bedrooms775 sqftFreeholdNon ...
16/09/2021

[DOUBLE STOREY TERRACE] JALAN LADING, TAMAN PUTERI WANGSA, JOHOR
PROPERTY DETAILS
2 rooms + 1 bedrooms
775 sqft
Freehold
Non bumi lot
AMENITIES
Nearby NSK
Nearby Aeon Tebrau, Hero market, Tesco Tebrau, Toppen, Ikea & Giant Plentong
ACCESSIBILITIES
Easy access Pasir Gudang Highway
Easy access Senai Desaru Highway
Easy access EDL highway
3.18% earnest deposit /booking to check loan approval ( fully refundable with 2 rejection letter from bank)
6.82% upon spa signing - Lawyer arrangement
*Free check CCRIS
*Free check loan eligibility
*100% loan for first house buyer
ASKING PRICE RM265k
Whatsapp/call
https://Hadiperundinganda.wasap.my

Hadi Hamdi
Perunding Hartanah
+60177742796
AFZ REALTY SDN BHD

https://Hadiperundinganda.wasap.my
0️⃣1️⃣7️⃣7️⃣7️⃣4️⃣2️⃣7️⃣9️⃣6️⃣








[FOR SALE @ RENT] CONDOMINIUM, COUNTRY GARDEN, BAYPOINT DANGA BAY, JOHOR BAHRU, JOHORPROPERTY DETAILSLeasehold4th floor1...
16/09/2021

[FOR SALE @ RENT] CONDOMINIUM, COUNTRY GARDEN, BAYPOINT DANGA BAY, JOHOR BAHRU, JOHOR
PROPERTY DETAILS
Leasehold
4th floor
1 room
Facing Suite Hotel
Fully furnished
OTHER DETAILS
Lights, cabinets, refrigerator, washing machine, water heater, air conditioner x 2, ceiling fan x 2, stove, kitchen upper and lower cabinet, dining table with chairs, TV and TV console, sofa, coffee table, window curtains with sunblock tinted and bed
AMENITIES
Aeon at there
Nearby Larkin
Nearby CIQ
Nearby City Square
Nearby JBCC
Nearby JB CITY
ACCESSIBILITIES
Easy access Gelang Patah
Easy access Larkin central
Easy access to BBU
Easy access EDL highway
Easy access Lebuh raya Utara Selatan
*Free check CCRIS
*Free check loan eligibility
*100% loan for first house buyer
Monthly Rental RM900
@
ASKING PRICE RM380K

Whatsapp/call
https://Hadiperundinganda.wasap.my

Hadi Hamdi
Perunding Hartanah
+60177742796
AFZ REALTY SDN BHD

https://Hadiperundinganda.wasap.my
0️⃣1️⃣7️⃣7️⃣7️⃣4️⃣2️⃣7️⃣9️⃣6️⃣








FLAT BARLI BBU, BANDAR BARU UDA, JOHOR BAHRU JOHORBlok C750sqft2 bedrooms + 1 bathroom3th floorUnfurnishedOwner will rep...
16/09/2021

FLAT BARLI BBU, BANDAR BARU UDA, JOHOR BAHRU JOHOR
Blok C
750sqft
2 bedrooms + 1 bathroom
3th floor
Unfurnished
Owner will repair all defect & problem & new paint
AMENITIES
2 min to Shoplot, Bank, Klinik, Speedmart
5 min to Angsana, .
8 min Paradigm Mall
10 min to Larkin area
12 min to JB town area, CIQ
ACCESSIBILTY
Easy access to Pasir Gudang & Perling highway
Easy access to Larkin
Easy access to Skudai road
Easy access to Perling Mall
MONTHLY RENTAL RM700
Kindly Contact
Whatsapp/call
https://Hadiperundinganda.wasap.my

Hadi Hamdi
Perunding Hartanah
+60177742796
AFZ REALTY SDN BHD

https://Hadiperundinganda.wasap.my
0️⃣1️⃣7️⃣7️⃣7️⃣4️⃣2️⃣7️⃣9️⃣6️⃣








[FOR RENT] SURIAMAS APARTMENT, JOHOR BAHRU, JOHORPROPERTY DETAILS900 sqft3 bedrooms + 2 bathroomsFully furnishedMedium f...
16/09/2021

[FOR RENT] SURIAMAS APARTMENT, JOHOR BAHRU, JOHOR
PROPERTY DETAILS
900 sqft
3 bedrooms + 2 bathrooms
Fully furnished
Medium floor
Kitchen cabinet
Swimming pool
Guarded
Grocery shop below
AMENITIES
Nearby larkin wet market
Nearby larkin central
Nearby barber shop
Nearby mamak
Nearby restaurant
Nearby cimb bank
Nearby schools
Nearby CIQ
Nearby city square & jbcc
ACCESSIBILITIES
Easy access to Larkin
Easy access to Kebun Teh
Easy access yo Gelang Patah & BBU
Easy access to Tampoi
Easy access to Permas Jaya
Easy access to EDL
Monthly Rental RM1300
Whatsapp/call
https://Hadiperundinganda.wasap.my

Hadi Hamdi
Perunding Hartanah
+60177742796
AFZ REALTY SDN BHD

https://Hadiperundinganda.wasap.my
0️⃣1️⃣7️⃣7️⃣7️⃣4️⃣2️⃣7️⃣9️⃣6️⃣








[ FOR SALE ] DOUBLE STOREY AND HALF, JALAN RIMBA BANDAR, SERI ALAM, PASIR GUDANG, JOHORPROPERTY DETAILSFreehold4 bedroom...
16/09/2021

[ FOR SALE ] DOUBLE STOREY AND HALF, JALAN RIMBA BANDAR, SERI ALAM, PASIR GUDANG, JOHOR
PROPERTY DETAILS
Freehold
4 bedrooms + 1 bedroom + 4 bathrooms
Non bumi
Extra land left, right and back
Original unit
AMENITIES
-Near to tesco
-Near to mcdonald
-Near to bank
-Near to school
-Near to university
-Near to restaurant
-Etc
ACCESSIBILITIES
Easy access Pasir Gudang Highway
Easy access EDL
Easy access masai lama
Easy access to Permas Jaya
Easy access to Scientex Pasir gudang
*Free check CCRIS
*Free check loan eligibility
ASKING PRICE RM899K
MARKET VALUE RM950K

Whatsapp/call
https://Hadiperundinganda.wasap.my

Hadi Hamdi
Perunding Hartanah
+60177742796
AFZ REALTY SDN BHD

https://Hadiperundinganda.wasap.my
0️⃣1️⃣7️⃣7️⃣7️⃣4️⃣2️⃣7️⃣9️⃣6️⃣








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Johor Bahru
80000

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