Ganesan Sivaperuman Properties

09/03/2021

Condo for sale

15/10/2020

Nak beli rumah, tapi rasa macam gaji terlalu kecil? Jangan risau, kami ada sediakan panduan ni untuk menolong anda, siap dengan kira-kira asas dan senarai skim rumah mampu milik yang ditawarkan di Malaysia.

Gaji kecil tak semestinya perlu menghalang anda daripada membeli rumah pertama.

Selagi anda bertanggungjawab dalam menjaga perbelanjaan, hartanah akan jadi aset yang sangat berguna, dan boleh meningkat nilainya.

Kita akan buat kira-kira asas untuk menentukan jumlah pinjaman yang anda boleh mohon berdasarkan gaji.

Seterusnya kami akan senaraikan skim rumah mampu milik di Malaysia untuk anda pertimbangkan.



Berdasarkan Gaji, Berapa Pinjaman Yang Anda Layak?

Dalam hartanah, ada istilah yang dikenali sebagai Income-to-Mortgage Ratio.

Untuk ni, pinjaman bulanan anda tidak boleh lebih daripada satu pertiga gaji kasar (gaji yang anda dapat sebelum ditolak cukai, perbelanjaan, dsb).

Jadi, cara nak kira pinjaman maksimum adalah:

Gaji kasar x 30 /100

Kalau gaji anda RM3,000 sebulan, pinjaman bulanan tak patut lebih daripada RM900!

Anda boleh gunakan kalkulator ini untuk mengagak jumlah pinjaman yang anda boleh mohon.

Rumah Apa Yang Anda Mampu Beli?

Kalau nak senang sikit, bolehlah gunakan kalkulator ini untuk mengagak harga rumah yang anda mampu miliki tu.

Katakan anda nampak rumah berharga RM500,000. Dengan tempoh pinjaman 30 tahun dan kadar faedah 4.5%, pinjaman bulanan adalah sekitar RM2,533.

Berdasarkan had RM900 tadi, rumah ini bukanlah untuk anda. Tetapi, kemudian anda jumpa p**a rumah berharga RM170,000.

Dengan tempoh pinjaman 30 tahun dan kadar faedah 4.5%, pinjaman bulanan adalah sekitar RM861. Yang ni lah anda mampu milik!



Semak Juga Kalau Anda Mempunyai Sejarah Kredit Yang Baik!

Yang pertama sekali ialah Nisbah Khidmat Hutang, atau dalam Bahasa Inggerisnya, Debt Service Ratio (DSR).

Penting tau untuk anda jaga ni, kerana bank akan gunakannya untuk mengira samada seseorang tu layak ke tak untuk mendapat pinjaman yang dimohon dari bank.

Nisbah ni tidak tetap, dan bergantung pada terma setiap bank yang akan melihat individu yang datang untuk memohon pinjaman. Biasanya, anda kena pastikan bawah 60% kalau bergaji bawah RM3,000.

Selain itu, anda juga perlu semak report kredit CCRIS (Central Credit Reference Information System, atau Pusat Sistem Maklumat Rujukan Kredit).

Report ni sangat penting kerana mengandungi pelbagai maklumat kewangan peribadi yang akan digunakan oleh bank untuk buat keputusan atas setiap permohonan pinjaman perumahan:

Semua pinjaman/kredit tertunggakAkaun perhatian khusus yang mana akaun dipantau rapat oleh institut kewanganPermohonan pinjaman kredit yang dah lulus atau sedang diproses dalam tempoh 12 bulan



Apa Kos-Kos Lain Yang Terlibat?

Sekarang kita dah tahu jumlah pinjaman macam mana yang anda layak, dan jumlah pinjaman bulanan yang anda perlu bayar.

Tapi ada banyak kos lain yang anda perlu fikirkan, nak lagi dalam peringkat awal proses membeli rumah, termasuklah:

1) Yuran tempahan (booking fee)

Untuk menyatakan niat anda untuk membeli rumah tersebut, anda kena bayar yuran tempahan terlebih dahulu.

Yuran tempahan ni biasanya sebanyak 2%-3% jumlah pinjaman. Katakanlah yuran ini berharga RM5,000, anda kena sediakan wang tersebut dalam bentuk tunai.

2) Bayaran pendahuluan (downpayment)

Bila anda tanda tangan surat perjanjian jual beli (Sales and Purchase Agreement/SPA), anda perlu bayar 10% daripada jumlah pinjaman.

Anda boleh tolak jumlah yuran tempahan tadi daripada downpayment ni.

Dengan rumah berharga RM170,000 tadi, ini bayaran downpayment yang anda perlu sediakan dalam tunai:

RM170,000 x 10/100 – RM5,000 = RM12,000

3) Memorandum Pemindahan (Memorandum of Transfer/MoT)

Di sini akan ada duti setem untuk memindahkan hak milik kepada nama anda. Inilah caj yang akan dikenakan:

1% bagi RM100,000 yang pertama2% bagi RM400,000 yang seterusnya3% bagi jumlah yang tinggal4) Yuran guaman buat Surat Perjanjian Jual Beli (SPA)1% bagi RM150 ribu yang pertama7% bagi jumlah yang tinggal (bagi rumah di bawah RM1 juta)

Selain itu, akan ada caj tambahan, seperti berikut

Stamping untuk SPA: Biasanya dalam ratusan RinggitDuti setem untuk pinjaman: 5% daripada jumlah pinjamanYuran guaman untuk perjanjian pinjaman: Biasanya dalam ratusan RinggitYuran pemindahan hak milik: Biasanya dalam ratusan Ringgit



Apa Rumah Mampu Milik Yang Anda Boleh Mohon?

Ada banyak skim rumah mampu milik yang ditawarkan di Malaysia, dari peringkat persekutuan, hingga ke peringkat negeri.

Di sini kami telah senaraikan skim-skim yang anda boleh mohon:

1) Skim Rumah PR1MA

Di peringkat persekutuan, Rumah PR1MA adalah satu skim yang dilancarkan untuk membantu rakyat Malaysia memiliki rumah dalam pasaran yang semakin mahal.

Rumah PR1MA disediakan di setiap negeri, dengan harga RM100,000 hingga RM400,000. Antara syarat-syarat yang dikenakan:

Warganegara MalaysiaBujang ataupun berkahwin berumur 21 tahun ke atasPendapatan isi rumah (sama ada bujang ataupun pasangan berkahwin) antara RM2,500 hingga RM15,000Kediaman PR1MA boleh dibeli sebagai kediaman pertama atau kedua sahaja2) Johor

Rumah Mampu Milik Johor (RMMJ) adalah menawarkan rumah bernilai RM40,000 hingga RM150,000. Kebanyakan rumah datang dengan tiga bilik tidur dan dua bilik air.

Antara syarat-syarat yang dikenakan:

Warganegara Malaysia berumur 18 tahun ke atasTelah tinggal di Johor selama 10 tahunSatu permohonan bagi setiap pasangan berkahwinPermohonan isteri kedua dan seterusnya perlu menggunakan nama isteriGaji kasar bulanan tidak melebihi RM8,000 sebulanPemohon yang sudah ada rumah yang dikira sebagai rumah kos sederhana atau rumah mewah adalah tidak layak3) Melaka

Lembaga Perumahan Melaka menawarkan rumah mampu milik berharga sekitar RM150,000 hingga RM400,000, dengan keluasan sekitar 1,000 kaki persegi.

Antara syarat-syarat yang dikenakan:

Warganegara MalaysiaGaji kasar tidak melebihi RM5 ribu sebulanSekiranya bujang, anda perlu berumur 20 tahun ke atas untuk memohon4) Negeri Sembilan

Kerajaan Negeri Sembilan menawarkan rumah mampu milik di bawah Projek Perumahan Rakyat (PPP).

Buat masa sekarang, laman rasmi bagi bahagian perumahan adalah tidak berfungsi, namun anda boleh hubungi Pejabat Setiausaha Kerajaan untuk sebarang pertanyaan!

5) Selangor

Rumah SelangorKu menawarkan rumah berharga RM40,000 hingga RM250,000. Antara syarat-syarat yang dikenakan:

Warganegara Malaysia berumur 18 tahun ke atasTinggal di SelangorGaji kasar bulanan sebanyak RM3,000 hingga RM8,000Tidak boleh menjual rumah ini dalam tempoh 5 tahun pertama6) Pahang

Terdapat beberapa skim yang ditawarkan oleh kerajaan Pahang, termasuklah Projek Rumah Makmur dan Rumah Kos Sederhana Rendah.

Antara syarat-syarat am yang dikenakan bagi skim-skim ini:

Warganegara Malaysia yang tinggal di Pahang selama 5 tahunPendapatan isi rumah tidak melebihi RM3,000 sebulanTidak boleh memiliki rumah sedia ada di bawah nama pemohon ataupun pasanganBukan di bawah Rancangan Pembangunan Tanah atau Rancangan Penempatan Semula

Anda boleh semak laman kerajaan ini untuk maklumat lanjut.

7) Perak

Rumahku Aman Jaya adalah skim rumah mampu milik yang disediakan Perbadanan Kemajuan Negeri Perak. Buat masa ini, anda boleh dapatkan rumah sekitar RM130,000 hingga RM480,000.

8) Terengganu

Rumah Mampu Milik (RMM) atau Rumah Pangsa Mampu Milik (RPPM) boleh didapati di sekitar Terengganu meliputi daerah Kuala Terengganu, Dungun, Kemaman, Hulu Terengganu, Setiu, Besut dan Marang.

Antara antara syarat-syarat yang dikenakan:

Warganegara Malaysia yang menetap di TerengganuBerumur 21 tahun ke atasPemohon dan pasangan belum pernah memiliki rumahPemohon dan pasangan tidak pernah menerima tanah anugerah kediaman daripada pihak kerajaanPendapatan kasar bulanan isi rumah tidak melebihi RM3,500 sebulanBagi pemohon dan pasangan yang merupakan penjawat awam, hanya gred 1 hingga 22 sahaja layak memohonIsteri kedua/ketiga/keempat layak memohon sekiranya mempunyai pendapatan bulanan tidak melebihi RM2,500

Anda boleh semak laman ini untuk melihat setiap jenis rumah yang ditawarkan.

9) Kelantan

Rumah Mampu Milik Kelantan (RMMK) menyediakan rumah berharga sekitar RM80,000 hingga RM130,000.

Malangnya buat masa kini, tiada sebarang laman rasmi buat skim ini, namun anda boleh hubungi kerajaan negeri untuk membuat pertanyaan.

10) Kedah

Rumah Mesra Rakyat SPNB ditawarkan daripada harga RM45,000 hingga RM65,000. Antara syarat-syarat yang dikenakan:

Warganegara Malaysia berumur 18 tahun hingga 65 tahunPendapatan isi rumah kasar bulanan sekitar RM750 hingga RM3,000Tanah yang mahu didirikan rumah jenis ini mestilah milik anda (yang tiada sebarang sekatan atau pun gadaian) ataupun tanah milik orang lain yang telah mendapat kebenaran dan persetujuan daripada tuan tanahLuas tanah tersebut mesti sekurang-kurangnya 2,800 kaki persegiMasih tiada rumah lagi, ataupun rumah yang sedia ada sudah usang dan rosak teruk11) Pulau Pinang

Kerajaan negeri Pulau Pinang menyediakan rumah mampu milik daripada RM42,000 sehingga RM300,000.

Syarat-syarat kelayakan adalah berbeza-beza mengikut kawasan dan jenis rumah yang anda pilih, dan anda boleh rujuk di sini untuk maklumat lanjut.

12) Perlis

Buat masa ini, sebarang maklumat mengenai rumah mampu milik di Perlis adalah di bawah rumah PR1MA sahaja.

13) Sabah

Kerajan negeri Sabah menawarkan Skim Pinjaman Perumahan (SPP) buat golongan pendapatan rendah, dengan nilai maksimum sebanyak RM50,000.

Antara syarat-syarat yang dikenakan:

Warganegara Malaysia, dengan keutamaan diberikan kepada penduduk asal SabahBerumur 21 hingga 60 tahunBukan kakitangan kerajaanPendapatan isi rumah di antara RM750 hingga RM2,500Pemohon belum mempunyai rumah sendiriPeminjam mesti mempunyai tanah untuk tapak rumah yang akan digunakan sebagai cagaranPeminjam wajib mengambil skim perlindungan insurans (takaful)14) Sarawak

Rumah Mampu Milik (RMM) di Sarawak menawarkan rumah berharga RM50,000 hingga RM100,000.

Buat masa ini laman tersebut masih menanti kemas kini, namun anda boleh hubungi mereka untuk dapatkan maklumat lanjut.

15) Wilayah Persekutuan Kuala Lumpur, Putrajaya, dan Labuan

Residensi Wilayah adalah merangkumi Kuala Lumpur, Putrajaya, dan Labuan. Hartanah dalam skim ni berharga RM300,000 ke bawah.

Antara syarat-syarat yang dikenakan:

Warganegara Malaysia berumur 21 tahun ke atasTelah tinggal di Wilayah Persekutuan selama tiga tahunGaji bulanan tidak melebih RM10,000. Bagi pasangan berkahwin, pendapatan isi rumah tidak melebihi RM15,000Tidak boleh memiliki sebarang rumah di kawasan wilayah tersebutTidak boleh menjual rumah ini dalam tempoh 10 tahun pertamaRumah ini haruslah digunakan untuk kediaman sendiri dan tidak boleh disewa melainkan dengan kebenaran kerajaan persekutuanKeutamaan akan diberi kepada pemohon yang tinggal berdekatan kawasan projek tersebut

Maklumat ini dipetik dari Property Guru Malaysia.

18/08/2020

GUIDES > BUYING
How to buy a house in Malaysia in 12 steps

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How to buy a house in Malaysia in 12 step
Here’s a checklist towards purchasing your first residential property. Also, Malaysian home buyers who purchase a property under the Home Ownership Campaign (HOC) and not exceeding RM1 million from June 2020 to May 2021 will receive a full stamp duty exemption!

Sure you have always thought about buying a home but the whole journey just seems long and daunting. I mean, where do you even start and how does one research for a property to buy anyway? After all, real estate is a big-ticket item involving various processes – hence, it is crucial for you to purchase the right product the first time around.
We can’t just “test” one out to see whether it fits our requirements and needs or not – consumers do not have the same luxury as they do with other goods such as shoes, makeup and even handphones.
In this article, we explore the steps leading up to purchasing a home in Malaysia so that you won’t make unnecessary mistakes or face unseen hurdles.

1. Research a little bit first
Before jumping into uncharted waters, it makes sense to gain some subject knowledge. Ideally, you would want to understand the basics of residential property in Malaysia such as the various types of homes and land types available, type of home loans and lending guidelines as well as the qualities of a good developer.
Due diligence is vital in ensuring you purchase the right home that fits all your requirements, some of the factors you should be analysing include the property’s location, accessibility, surrounding infrastructure/amenities and pricing analysis.

TIP: Be especially diligent when it comes to newly-launched properties, you have to remember that all that glitters is not gold! Do not be swayed by glossy brochures and the promise of free gifts – remember the mantra: Research, research, research. You might want to check this list of blacklisted property developers before buying a new launch property too.

2. How much can you afford for a home?
Most financial experts will advise that your monthly instalments should not exceed one-third of your household income. Say you have a total combined income (if you have a spouse) of RM9,000; the monthly instalment of your first home must not be more than RM3,000.
3. Get a rough idea of average prices in various locations

Next, you would want to check out the current market value of residential properties. This can be done via brickz.my which provides the latest transaction figures of landed homes and high-rise units of secondary properties in all suburbs throughout Malaysia. Consumers will be able to view the median property price per sq ft too as well as the unit size and the number of bedrooms.
The free version of brickz.my shows only the latest 10 transactions within a residential project/landed home schemes, but these are a good enough for you to gauge which areas or projects fall within your budget.
You can also use our home loan eligibility tool, LoanCare to find out if you will be able to secure a home loan from up to 17 banks across Malaysia for that property you have your eye on.

4. Start searching for your property
What shall it be? Condominium, apartment, terrace house, semi detached house or bungalow? Filter through iProperty.com.my by the areas you are interested in as well as your budget range. You can even customize your search according to the number of bedrooms, built-up sizes and property types, be it new launches, sub-sale or auction properties.
5. Need help? Hire a real estate agent

You could also engage a real estate agent to help you out with your home purchasing journey – be forthcoming with your requirements such as preferred locations, home type, unit size, loan tenure, land tenure and estimated budget.
According to the Seventh Schedule (Rule 48) of Valuers, Appraisers and Estate Agents Act 1981, the maximum commission fee for real estate agents for the sale or purchase of land and buildings is 3%. However, the real estate agent fees are subject to a minimum fee of RM 1,000 per property.
KNOW THIS: What is the difference between property agents and real estate negotiators?
6. Do you have enough for the downpayment?
Typically, first-time home buyers have to fork out 10% of the home purchase price to serve as down payment while the rest of the property price is financed via a bank loan. If your target home costs RM400,000 – you will have to come up with RM40,000 as its initial downpayment.
Although the industry standard is 90% financing for first-time home buyers, the margin of financing varies according to the type of property purchased and your financial credibility at that point in time.

TIP: For newly-launched properties, many developers are offering rebates between 2%-5% while some only require you to pay the initial 1-2% booking fee (to register genuine interest), which then goes towards paying for the downpayment.
You can also consider financing your home via your EPF monies.
FIND OUT: How to utilize EPF withdrawal money to purchase a house?

7. There are other or hidden costs involved!
Many home buyers do not anticipate the additional fees involved when buying a property in Malaysia. These include lawyer fees, stamp duties, Sales & Purchase Agreement (SPA) fees and valuation fees. Some developers will absorb the legal and SPA fees but buyers will have to settle the rest themselves. Also, if you intend to purchase a starter home with plans to upgrade after a few years, you will have to pay Real Property Gains Tax (RPGT) when disposing of your first home.
FULL DETAILS HERE: Latest stamp duty charges & 6 other costs to consider before buying a property in 2020

TIP: Do stash aside some money for home renovations too and for the purchase of furniture, fittings and whatnots. A good benchmark will be 10-15% of your property price.

8. Shop for home loans
Upon paying a booking fee or your earnest deposit, you will start sourcing for a home loan. There are many banks out there offering different home loan products including term and flexi loans.
One of the most important aspects of home loans is the interest rate – this could either be fixed or floating. The former means that the interest rate is fixed throughout your loan term whereas the latter will have an interest rate that is pegged to Bank Negara Malaysia’s Base Lending Rate (BLR), hence the value will fluctuate according to the BLR’s movement. Even though the rate might be higher, a fixed rate loan is more suitable for the risk-averse as it guarantees certainty.
Research the current packages and go for one that best suits your repayment profile. For sub-sale properties, this process involves a property valuation, where you will have to pay for the report. The bank will engage a valuer to physically inspect the target home.
Related Stories
(Updated August 2020) Latest from BNM: Base Rate, BLR & Effective Lending Rates for banks in Malaysia

9. How to qualify for a home loan
Calculate your Debt Service Ratio
Your credit score is one of the most important factors in qualifying for a home loan. Banks will measure your repayment capability via the Debt to Service Ratio (DSR), a calculation which shows the proportion of your debt in relation to your total income.
DSR = (Total Commitment ÷ Nett Income) × 100
Each bank has a maximum DSR cap that they impose on a borrower in order to approve his/her loan application. Ideally, your DSR number should not be greater than 70%.
STUDY THIS: 4 Things you should consider before applying for a joint property loan

Check your CCRIS & CTOS report
Your Central Credit Reference Information System (CCRIS) report, which is available online displays all of your total credits, interest charges and other outstanding charges for all loans that you have with any banks in Malaysia – everything from a personal loan and credit card to hire purchase and overdrafts.
Delay in repayments for any obligation will show up in your report and is recorded as “1”. Lending guidelines differ across banks, but most will require mainly zeroes as it shows that you are a good paymaster.
One plus point is that the CCRIS only shows information from the latest 12 months. Hence, if you have a less than stellar report at the moment, you could strive to improve and ‘correct’ it in the coming 12 months in order to increase your chances of obtaining a home loan.
Meanwhile, Credit Tip Of System (CTOS) collates information for summons and bankruptcy on individuals and companies from various sources found in the public domain. Banks will examine the information provided by CTOS and decide if it is material to your application. It is important to keep track of your CTOS report to ensure there is no incriminating information that would negate your chances of securing a loan. Loan applicants can check their credit status online for free instead of having to go to BNM.
TIP: Those who are looking to purchase a home this year should definitely jump on the opportunity to secure a home loan at a lower interest rate – On 7 July 2020, Bank Negara Malaysia reduced the Overnight Policy Rate (OPR) by another 25 basis points (bps) to 1.75% due to the Covid-19 pandemic. A lower OPR creates the domino effect of lower interest rates and thus cheaper monthly instalments.
Related Stories
BNM reduces OPR to 1.75% due to Covid-19 – How will it affect your home loan?

10. Explore other financing options
In lieu of the housing affordability issue and high home loan rejection rates, aspiring homebuyers could explore schemes for selected affordable housing projects such as Rumah SelangorKu and RumahWIP; Youth Housing Scheme (BSP) by BSN and the MyHome scheme.

Moreover, the government recently announced that it will be bringing back the nation-wide Home Ownership Campaign (HOC) which features significant stamp duty exemptions on Instrument of Transfer and Instrument on Loan Agreement. The HOC revival serves as an effort to stimulate the property market and provide financial relief to home buyers following the Covid-19 outbreak.
Homebuyers who purchase a new launch property in Malaysia under HOC from 1 June 2020 to 31 May 2021 will get to enjoy a full stamp duty exemption for homes priced between RM300,000 and RM1 million.
The terms of the stamp duty exemption are as follows:

1) Malaysian citizen – No limit to the number of purchases
2) Purchase of residential property – Does not include SOHO, SOVO, SOFO & serviced residences built for commercial use.
3) Residential properties in the primary market only (homes that have been launched or completed)

Related Stories
Home Ownership Campaign (HOC) reintroduced & extended until 2021! Here’s what homebuyers should know

11. Engage a lawyer
Even if your developer is offering to cover the legal fees for the home you intend to purchase, it is recommended to get your own lawyer to draft and sign the SPA and loan agreements. A lawyer who represents two different parties in the same transaction cannot be impartial. You can then proceed to secure a bank loan after this step.
CHECK OUT: A Conveyancer reveals: 7 things home buyers should check before signing the SPA

12. Make an offer & close the deal
For a secondary property, once you have made up your mind and you and the seller have agreed on a purchase price, you will need to sign a standard document known as the Letter of Offer (LOA) and pay the 2% earnest deposit. This document will contain the following details – names of seller and buyer, property address, agreed-upon price, deposit amount, any items such as fittings included in the sale. The LOA also will stip**ate the date before which the SPA must be signed, usually, it is within 14 days.
Upon which, your lawyer will prepare the SPA and get both parties to sign them accordingly. You will then have to pay the remaining 7-8% of your down payment as well as your stamp duty fees.
Your lawyer will also draft out the loan agreement to be signed by both you and your bank, where the bank may ask you to take out an insurance policy.
GUIDE: Which mortgage life insurance to pick – MRTA or MLTA?

Looking to buy property in Malaysia? Search the latest listings for real estate & property for sale in Malaysia. Find your perfect property with iProperty.com.my.