Rumah Pertama 2023

Rumah Pertama 2023 Rumah Idaman Anda (Kuala Lumpur, Selangor)
Wakil dari pemaju sedia membantu anda memiliki rumah anda

๐๐ž๐ง๐๐š๐Ÿ๐ญ๐š๐ซ๐š๐ง ๐Š๐ˆ๐๐ˆ ๐ƒ๐ˆ๐๐”๐Š๐€!๐Ÿ  ๐‘๐ฎ๐ฆ๐š๐ก ๐‚๐จ๐ง๐๐จ ๐ˆ๐ฆ๐ฉ๐ข๐š๐ง ๐€๐ง๐๐š ๐๐ข ๐๐š๐ง๐ ๐ข ๐€๐ฏ๐ž๐ง๐ฎ๐ž! ๐ŸŒณ๐Ÿ› ๐Ÿ‘ ๐๐ข๐ฅ๐ข๐ค ๐“๐ข๐๐ฎ๐ซ | ๐Ÿšฟ ๐Ÿ‘ ๐๐ข๐ฅ๐ข๐ค ๐Œ๐š๐ง๐๐ข | ๐Ÿ†“ ๐Ÿ–๐ŸŽ% ๐๐ž๐ซ๐š๐›๐จ๐ญ๐ŸŒŸ ๐Š...
05/10/2023

๐๐ž๐ง๐๐š๐Ÿ๐ญ๐š๐ซ๐š๐ง ๐Š๐ˆ๐๐ˆ ๐ƒ๐ˆ๐๐”๐Š๐€!
๐Ÿ  ๐‘๐ฎ๐ฆ๐š๐ก ๐‚๐จ๐ง๐๐จ ๐ˆ๐ฆ๐ฉ๐ข๐š๐ง ๐€๐ง๐๐š ๐๐ข ๐๐š๐ง๐ ๐ข ๐€๐ฏ๐ž๐ง๐ฎ๐ž! ๐ŸŒณ

๐Ÿ› ๐Ÿ‘ ๐๐ข๐ฅ๐ข๐ค ๐“๐ข๐๐ฎ๐ซ | ๐Ÿšฟ ๐Ÿ‘ ๐๐ข๐ฅ๐ข๐ค ๐Œ๐š๐ง๐๐ข | ๐Ÿ†“ ๐Ÿ–๐ŸŽ% ๐๐ž๐ซ๐š๐›๐จ๐ญ

๐ŸŒŸ ๐Š๐ž๐ฅ๐ž๐›๐ข๐ก๐š๐ง:
โœ… ๐Ÿ% ๐ƒ๐จ๐ฐ๐ง๐ฉ๐š๐ฒ๐ฆ๐ž๐ง๐ญ (๐‘๐Œ ๐Ÿ๐ŸŽ๐ŸŽ๐ŸŽ ๐๐จ๐จ๐ค๐ข๐ง๐ )
โœ… ๐…๐ซ๐ž๐ž ๐Ÿ–๐ŸŽ% ๐๐ž๐ซ๐š๐›๐จ๐ญ ๐๐ž๐ซ๐ง๐ข๐ฅ๐š๐ข ๐‘๐Œ ๐Ÿ’๐Ÿ“,๐ŸŽ๐ŸŽ๐ŸŽ
โœ… ๐๐š๐ฒ๐š๐ซ๐š๐ง ๐๐ฎ๐ฅ๐š๐ง๐š๐ง ๐‘๐Œ ๐Ÿ,๐Ÿ๐ŸŽ๐ŸŽ
โœ… ๐Š๐ž๐ฅ๐š๐ฒ๐š๐ค๐š๐ง ๐†๐š๐ฃ๐ข: ๐‘๐Œ๐Ÿ,๐ŸŽ๐ŸŽ๐ŸŽ ๐ค๐ž๐š๐ญ๐š๐ฌ (๐๐จ๐ฅ๐ž๐ก ๐†๐š๐›๐ฎ๐ง๐  ๐๐š๐ฆ๐š)
โœ…๐๐ž๐ซ๐ฆ๐จ๐ก๐จ๐ง๐š๐ง ๐‹๐จ๐š๐ง ๐’๐ž๐ง๐š๐ง๐  (๐†๐ซ๐š๐›, ๐’๐ก๐จ๐ฉ๐ž๐ž, ๐…๐จ๐จ๐๐ฉ๐š๐ง๐๐š)

โœ‰๏ธ ๐‡๐ฎ๐›๐ฎ๐ง๐ ๐ข ๐ค๐š๐ฆ๐ข ๐ฌ๐ž๐ค๐š๐ซ๐š๐ง๐  ๐ฎ๐ง๐ญ๐ฎ๐ค ๐ค๐ž๐ญ๐ž๐ซ๐š๐ง๐ ๐š๐ง ๐ฅ๐š๐ง๐ฃ๐ฎ๐ญ ๐๐š๐ง ๐ฃ๐š๐๐ข๐ฅ๐š๐ก ๐ฌ๐š๐ฅ๐š๐ก ๐ฌ๐ž๐จ๐ซ๐š๐ง๐  ๐ฉ๐ž๐ฆ๐ข๐ฅ๐ข๐ค ๐ซ๐ฎ๐ฆ๐š๐ก ๐œ๐จ๐ง๐๐จ ๐ข๐๐š๐ฆ๐š๐ง ๐š๐ง๐๐š!

๐Š๐ฅ๐ข๐ค ๐’๐ข๐ ๐ง ๐”๐ฉ ๐๐ข ๐›๐š๐ฐ๐š๐ก ๐ฎ๐ง๐ญ๐ฎ๐ค ๐’๐ž๐ฆ๐š๐ค ๐Š๐ž๐ฅ๐š๐ฒ๐š๐ค๐š๐ง ๐š๐ญ๐š๐ฎ ๐๐ž๐ซ๐ฆ๐จ๐ก๐จ๐ง๐š๐ง.

https://wa.link/in4twb (James)
https://wa.link/in4twb (James)
https://wa.link/in4twb (James)





๐๐„๐‘๐Œ๐Ž๐‡๐Ž๐๐€๐ ๐‘๐”๐Œ๐€๐‡ ๐’๐„๐‹๐€๐๐†๐Ž๐‘ ๐ƒ๐ˆ ๐๐€๐๐†๐ˆ ๐€๐•๐„๐๐”๐„ !!!๐๐€๐‘๐” ๐‹๐€๐”๐๐‚๐‡ (๐…๐”๐‹๐‹ ๐‡๐Ž๐”๐’๐„ !!!)๐‹๐ˆ๐Œ๐ˆ๐“๐„๐ƒ ๐”๐๐ˆ๐“ ๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿ”ฅ๐ƒ๐š๐ฉ๐š๐ญ๐ค๐š๐ง ๐„-๐๐ซ๐จ๐œ๐ก๐ฎ๐ซ๐ž / ๐Š๐ฎ๐ง๐ฃ๐ฎ๐ง๐ ๐ข ...
02/10/2023

๐๐„๐‘๐Œ๐Ž๐‡๐Ž๐๐€๐ ๐‘๐”๐Œ๐€๐‡ ๐’๐„๐‹๐€๐๐†๐Ž๐‘ ๐ƒ๐ˆ ๐๐€๐๐†๐ˆ ๐€๐•๐„๐๐”๐„ !!!
๐๐€๐‘๐” ๐‹๐€๐”๐๐‚๐‡ (๐…๐”๐‹๐‹ ๐‡๐Ž๐”๐’๐„ !!!)
๐‹๐ˆ๐Œ๐ˆ๐“๐„๐ƒ ๐”๐๐ˆ๐“ ๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿ”ฅ

๐ƒ๐š๐ฉ๐š๐ญ๐ค๐š๐ง ๐„-๐๐ซ๐จ๐œ๐ก๐ฎ๐ซ๐ž / ๐Š๐ฎ๐ง๐ฃ๐ฎ๐ง๐ ๐ข ๐’๐ก๐จ๐ฐ๐ซ๐จ๐จ๐ฆ / ๐’๐ž๐ฆ๐š๐ค ๐Š๐ž๐ฅ๐š๐ฒ๐š๐ค๐š๐ง

wa.link/kx8tgv (๐‰๐š๐ฆ๐ž๐ฌ)
wa.link/kx8tgv (๐‰๐š๐ฆ๐ž๐ฌ)
wa.link/kx8tgv (๐‰๐š๐ฆ๐ž๐ฌ)




PERBEZAAN PEMBIAYAAN PERUMAHAN ISLAMIK & KONVENSIONAL Ada diantara mereka yang masih keliru perbezaan diantara pinjaman ...
20/09/2023

PERBEZAAN PEMBIAYAAN PERUMAHAN ISLAMIK & KONVENSIONAL
Ada diantara mereka yang masih keliru perbezaan diantara pinjaman islamik dan konvensional.Jom kita tengok perbezaanyaโ€ฆ.

โžก๏ธKontrak

โ˜‘๏ธPembiayaan Islamik : Kontrak pembiayaan perumahan adalah menerusi Baiโ€™ Bithaman Ajil (BBA) atau Musyarakah Mutanaqisah.

โ˜‘๏ธPinjaman Konvensional : Hanya ada satu kontrak iaitu kontrak pinjaman rumah sahaja.

โžก๏ธZakat

โ˜‘๏ธPembiayaan Islamik: Terlibat dalam pembayaran zakat.Ia merupakan tanggungjawab sosial pihak perbankan islam

โ˜‘๏ธPinjaman Konvensional: Tidak ada peruntukan untuk mengeluarkan zakat.

โžก๏ธKeuntungan

โ˜‘๏ธPembiayaan Islamik : Terhasil daripada jualan atau pajakan hartanah tersebut.

โ˜‘๏ธPinjaman Konvensional : Terhasil daripada faedah atas transaksi pinjaman rumah.

โžก๏ธAset

โ˜‘๏ธPembiayaan Islamik : Komoditi atau aset yang dibenarkan mengikut syarak sahaja.

โ˜‘๏ธPinjaman Konvensional : Tiada syarat dalam komoditi dan aset. (bebas)

โžก๏ธAmaun Yang Perlu Dibayar

โ˜‘๏ธPembiayaan Islamik : Amaun adalah tetap sepanjang tempoh pembiayaan atau dikurangkan / diberikan rebat sekiranya pelanggan membayar keseluruhan pembiayaan lebih awal.

โ˜‘๏ธPinjaman Konvensional : Amaun akan berubah mengikut perubahan Kadar Pinjaman Asas (Base Lending Rate โ€˜BLRโ€™)

โžก๏ธKelewatan Pembayaran

โ˜‘๏ธPembiayaan Islamik : Peminjam akan dikenakan gantirugi (taโ€™widh).

โ˜‘๏ธPinjaman Konvensional : Penalti dalam bentuk โ€˜compoundingโ€™ akan dikenakan.

โžก๏ธPerlindungan

โ˜‘๏ธPembiayaan Islamik : Tertakluk kepada Takaful.

โ˜‘๏ธPinjaman Konvensional : Tertakluk kepada Insurans Konvensional.

James Yong
Perunding Hartanah RSKU

In Malaysia, housing mortgage insurance is designed to provide protection to both borrowers and lenders in the event of ...
19/09/2023

In Malaysia, housing mortgage insurance is designed to provide protection to both borrowers and lenders in the event of unforeseen circumstances.

There are two main types of housing mortgage insurance in Malaysia:
1) Islamic: Mortgage Reducing Term Takaful (MRTT) & Mortgage Level Term Takaful (MLTT)
2) Conventional: Mortgage Reducing Term Assurance (MRTA) & Mortgage Level Term Assurance (MLTA).

MRTT & MRTA:
The coverage decreases over time as the outstanding mortgage balance reduces. If the policyholder passes away or suffers total and permanent disability (TPD) during the policy period, it will settle the outstanding mortgage amount, ensuring that the borrower's family is not burdened with the loan repayment.

MLTT & MLTA:
It offers a level coverage throughout the policy term. This means that the coverage amount remains constant, regardless of the outstanding mortgage balance. In the event of death or TPD, the insurance will pay the predetermined coverage amount, which can be used to settle the outstanding mortgage or support the borrower's family financially.

Pros of Housing Mortgage Insurance:
1. Financial protection
2. Easier mortgage approval
3. Affordable premiums

Cons of Housing Mortgage Insurance:
1. Additional cost
2. Limited coverage: Death and TPD only

It's essential for borrowers to carefully review the terms and conditions of mortgage insurance policies, including the coverage, premiums, and exclusions, and consult with a financial advisor to determine the most suitable option for their needs and circumstances.

๐๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ ๐€๐ ๐ž๐ง๐ญ - ๐†๐จ๐ฏ ๐’๐ฎ๐›๐ฌ๐ข๐๐ข๐ณ๐ž๐ ๐๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ๐Ÿ๐Ÿ๐ŸŽ๐ŸŽ+ ๐ฎ๐ง๐ข๐ญ๐ฌ ๐ฌ๐จ๐ฅ๐ ๐ข๐ง ๐Ÿ‘ ๐ฆ๐จ๐ง๐ญ๐ก๐ฌ' ๐ญ๐ข๐ฆ๐ž ! ๐๐„๐– ๐๐ซ๐จ๐ฃ๐ž๐œ๐ญ ๐†๐จ๐ข๐ง๐  ๐ญ๐จ ๐’๐ญ๐š๐ซ๐ญ ๐’๐จ๐จ๐ง !๐Ÿ˜ฒ2100++ un...
19/09/2023

๐๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ ๐€๐ ๐ž๐ง๐ญ - ๐†๐จ๐ฏ ๐’๐ฎ๐›๐ฌ๐ข๐๐ข๐ณ๐ž๐ ๐๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ
๐Ÿ๐Ÿ๐ŸŽ๐ŸŽ+ ๐ฎ๐ง๐ข๐ญ๐ฌ ๐ฌ๐จ๐ฅ๐ ๐ข๐ง ๐Ÿ‘ ๐ฆ๐จ๐ง๐ญ๐ก๐ฌ' ๐ญ๐ข๐ฆ๐ž !
๐๐„๐– ๐๐ซ๐จ๐ฃ๐ž๐œ๐ญ ๐†๐จ๐ข๐ง๐  ๐ญ๐จ ๐’๐ญ๐š๐ซ๐ญ ๐’๐จ๐จ๐ง !

๐Ÿ˜ฒ2100++ units done sold in only 3 months' time!!! Just imagine you manage to convert 10 units from here. (1-unit 2### comm) ๐Ÿค‘ We welcome anyone who seek this an opportunity to join us for the upcoming project.

Job Responsibilities (As Usual) - Calling or Blasting, Attend Client at Showroom, Proceed with Loan Application and get MONEY.๐Ÿ˜‹

๐ŸคฉFaster file your application, I will contact you soon.

https://wa.link/2fhm8e (JamesYong)
https://wa.link/2fhm8e (JamesYong)
https://wa.link/2fhm8e (JamesYong)

Selamat Menyambut Hari Malaysia!Kekalkan perpaduan dan keharmonian ini demi masa depan anak bangsa kita!
16/09/2023

Selamat Menyambut Hari Malaysia!

Kekalkan perpaduan dan keharmonian ini demi masa depan anak bangsa kita!

Pembeli wajib faham apakah proses pemilikan Rumah Selangorku jika dibeli melalui pihak pemaju berdaftar.Melawat rumah co...
15/09/2023

Pembeli wajib faham apakah proses pemilikan Rumah Selangorku jika dibeli melalui pihak pemaju berdaftar.

Melawat rumah contoh adalah Percuma!
Bertanya soalan juga adalah Percuma!
Jumpa kami hujung minggu ini juga Percuma! ๐Ÿฅฐ

Address

No 2, Persiaran Bangi Avenue, Bangi Avenue Bangi
Selangor
43000

Telephone

+60173514107

Website

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