PH Tan Property 小陈房地产

01/12/2025

Understanding different types of housing loan and how you can save interest and the tenure





https://weirdkaya.com/how-to-cut-your-35-year-home-loan-down-to-just-20-save-over-rm120000-in-interest/?fbclid=IwZnRzaAOafytleHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEeyM_A4WthYG4_HhHjhb8yEyC0uHmAWYU-ve024hXYS_FLnj0QIlgI3ZY1YZ4_aem_ZQsgrhokadqt3yGS0MX51w

Most Malaysians sign a 30–35 year home loan without realising one thing; the loan structure you choose can literally decide whether you’re debt-free at 50 o ...

09/10/2025

要买房的时候要预备多一点钱来支付其它的费用

https://www.sinchew.com.my/news/20251009/nation/6932329

#买房指南
#买房那些事

（八打灵再也9日讯）许多首购族以为买房只需准备10%订金，实际上还需承担一系列法律、印花税及保险等费用，总开销可能高达房价的12%至15%。房地产经纪阿兹兰尼占日前在社交媒体发文提醒，很多买家误以为手上有10%资金就.....

01/09/2025

https://shorturl.at/kyomF

不同年龄层对房产的需求不一样
Different age group desired different types of 🏠


#房地產

31/07/2025

Had a fruitful networking trip with real estate collaboration partners.

跟合作伙伴参加在勿洞🇹🇭的交流会

#有产业要买卖可以找我
#房地產
#理财规划

09/07/2025

https://www.facebook.com/share/p/1JfknPPyEX/?mibextid=wwXIfr

#有产业要买卖可以找我
#房地產

最近 Bank Negara 降息了，
你是不是也听朋友说：
“哇，现在赶快 refinance 很划算叻！”
真的咩？我们来3分钟搞懂 👇

✅ 什么是 Refinance？

就是重新贷款来替代原本的房贷，通常是为了：
• 利率变低 → 每月供更少
• 贷款年期拉长 → 缓解现金流
• 提取多余房产价值 → 拿来周转或投资

❓你适合 Refinance 吗？

📌 先看这3个条件：

1️⃣ 你现在的利率是多少？
如果你是几年前贷款，当时利率可能3.XX%，
现在市场利率降到 2.75% 起，差距够大，才值得动手。

2️⃣ 你还在锁定期吗？
大多数房贷有 3-5 年 lock-in period，
提前还清或换贷会被罚 early settlement penalty。
→ ⚠️ 罚金通常是剩余贷款的 2-3%，要算清楚。

3️⃣ Refinance 真的能省下钱吗？
虽然新利率更低，但 refinance 可能要付：
• 估价费、律师费、印花税、processing fee 等
→ ✍️ 建议用 refinance calculator 做个简单试算！

💡什么时候不建议 Refinance？

✘ 你只剩下不到5年贷款 → 手续费未必划算
✘ 你工作不稳定/信用记录不佳 → 银行可能不批
✘ 你只是想“套现来花” → 可能越滚越多债

✅ 最值得 Refinance 的情况：

✔️ 原贷款利率高，现在利率差距大
✔️ 想把月供减轻，增加生活缓冲
✔️ 房价上涨，有多余价值可以释放出来
✔️ 财务状况良好，目标明确（不是乱花）

📌小提醒：

Refinance不是“越多人做越好”，而是“精明人做对才有用”。
不是每个人都适合 refinance，但只要你条件对，它确实是个省钱＋调配现金流的好机会。

28/06/2025

WTS - Good Condition
Kiara 1888 Condominium for Sale
Location: Jalan Kiara 3, Mont Kiara

Nicely Renovated, well maintained
Floor Size: 1238 sq ft
Bedrooms: 3
Bathrooms: 2
Parking Bay: 2
Furnishing: Fully Furnished
Move in condition

Selling Price: RM 820k
New Asking price: RM 799k
———————————————————

Amenities:
•Swimming pool
•Gymnasium
•Barbecue area
•Function room
•Table tennis room
•Badminton court
•Child playground
•24 hours security

Accessibility:
•NKVE highway
•Duke highway
•Sprint highway
•Kerinchi Link

———————————————————

For more Info and Viewing, kindly direct call 📞 or WhatsApp Mr Tan 019-3829522
欲知更多详情,请致电或WhatsApp我 019-3829522...谢谢!
📣𝗢𝘄𝗻𝗲𝗿 𝗔𝗿𝗲 𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝗧𝗼 𝗟𝗶𝘀𝘁 𝗬𝗼𝘂𝗿 𝗨𝗻𝗶𝘁 𝗙𝗼𝗿 𝗥𝗲𝗻𝘁 𝗔𝗻𝗱 𝗦𝗮𝗹𝗲
📣征求房屋店地产业，有产业要买卖租可联系我



#有产业要买卖可以找我

#满家乐

06/05/2025

Below Market Value! Good Deal!
WTS - Avani Double Storey Terrace House
Location: Bandar Bukit Raja, Klang

Good Condition
-Intermediate
-Freehold Non Bumi
Bedrooms: 4+1
Bathrooms: 3
Land Area 1650sqft
Built up Area: 2127 sqft (22 x 75 ft)
Gated & Guarded
High Ceiling concept in the hall & Master bedroom
Furnishing: Semi Furnished

Selling Price: Rm 750k
New Asking price : Rm 730k
--------------------------------------------------------------------------
Accessibility:
-NKVE highway
-WCE Highway
-Shapadu Highway
-Meru, Klang
-Setia Alam
--------------------------------------------------------------------------
For more Info and Viewing, kindly direct call 📞 or WhatsApp Mr Tan 019-3829522
欲知更多详情,请致电或WhatsApp我 019-3829522...谢谢!
📣𝗢𝘄𝗻𝗲𝗿 𝗔𝗿𝗲 𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝗧𝗼 𝗟𝗶𝘀𝘁 𝗬𝗼𝘂𝗿 𝗨𝗻𝗶𝘁 𝗙𝗼𝗿 𝗥𝗲𝗻𝘁 𝗔𝗻𝗱 𝗦𝗮𝗹𝗲
📣征求房屋店地产业，有产业要买卖租可联系我




#房地產
#吧生房地产
#有产业要买卖可以找我

06/02/2025

WTS
*Luxury Bungalow for Sale*
=======================
*Changkat Kiara Residence*
*3.5 Storey Bungalow House*
*Freehold Residential*
Located: *KL Dutamas*
Land Area : *8375sf*
Built Up Area: *7200sf*
*6 Bedrooms + 6 Bathroom*
*Fully Renovated + Extended*
*24 Hours Security G & G*
*Come w/ Huge Swimming Pool*
-9 mins to Hartamas Mall
-12 mins to Mont Kiara/Publika
-15 mins to Desa Parkcity
-20 mins to KLCC/KL City

Asking Price : *RM 7mil*

Accessibility:
•NKVE highway
•Sprint highway
•Duke highway
———————————————————
For more Info and Viewing, kindly direct call 📞 or WhatsApp Mr Tan 019-3829522
欲知更多详情,请致电或WhatsApp我 019-3829522...谢谢!
📣𝗢𝘄𝗻𝗲𝗿 𝗔𝗿𝗲 𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝗧𝗼 𝗟𝗶𝘀𝘁 𝗬𝗼𝘂𝗿 𝗨𝗻𝗶𝘁 𝗙𝗼𝗿 𝗥𝗲𝗻𝘁 𝗔𝗻𝗱 𝗦𝗮𝗹𝗲
📣征求房屋店地产业，有产业要买卖租可联系我


#有产业要买卖可以找我

#满家乐

02/02/2025

Happy Chinese New Year to everyone
恭喜发财，身体健康，万事如意！

#有产业要买卖可以找我

08/01/2025

WTS
Pavilion Hilltop Condominium for Sale
Location: Mont Kiara

Nicely Renovated, well maintained
Floor Size: 1200 sq ft
Bedrooms: 3
Bathrooms: 2
Parking Bay: 2
Furnishing: Fully Furnished
Move in condition

Asking price: RM 1.1M negotiable
———————————————————

Amenities:
•Swimming pool
•Gymnasium
•Barbecue area
•Tennis Courts
•Jogging track
•Cafe
•Child playground
•24 hours security

Accessibility:
•NKVE highway
•Sprint highway
•Duke highway

———————————————————

For more Info and Viewing, kindly direct call 📞 or WhatsApp Mr Tan 019-3829522
欲知更多详情,请致电或WhatsApp我 019-3829522...谢谢!
📣𝗢𝘄𝗻𝗲𝗿 𝗔𝗿𝗲 𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝗧𝗼 𝗟𝗶𝘀𝘁 𝗬𝗼𝘂𝗿 𝗨𝗻𝗶𝘁 𝗙𝗼𝗿 𝗥𝗲𝗻𝘁 𝗔𝗻𝗱 𝗦𝗮𝗹𝗲
📣征求房屋店地产业，有产业要买卖租可联系我



#有产业要买卖可以找我

#满家乐