Siva Raj FHG

08/10/2022

Buying House ( SELF EMPLOYED)
I would like to share First Home buying tips for Self Employed individual.

Register your Business (SSM)
This is the first and most important step and without this its very difficult to apply for loan.
At least 2 years of registered business are eligible to apply for housing loan.

Usage of ‘Current Account’ in Bank.
Ensure all the business transaction through this bank account only.
This is to ensure that the Bank see your business performance( Making Profit ) and also declare income tax every year. This will make your profile clear and easy to get housing loan. Dont ever do personal transaction ( e.g: buying online product for personal use or etc) with your business bank account. This will create confusion and your transaction will not be clear.

Record your monthly income/profit systematically.
Record your sales,capital and profit every month.
This will be easy for you to track your progress every month.

Ensure your CCRIS/CTOS records are clean.
How much loan can I apply?
Average profit by business monthly:
RM1,000 - RM80k
RM2000 - RM160k
RM3000 - RM240k
RM4000 - RM560k
RM5000 - RM700k
RM6000 - RM840k

Declare Income in LDHN
When your getting monthly income, you are required to submit/declare your income to LDHN. This can be done online in LDHN website or you can get an accountant to do it for you. It doesnt matter whether you business is small or big scale, your required to declare your income. When you have a record in LDHN, bank will be convinced that your making profit in your business.

Savings
Normally first home buyers can get 100% Loan, but during this time of recession mostly can get 90% loan only. Mostly new project houses offers free lawyer and SNP fees but for subsale units those fees should be paid by buyers which is around 5% from the House price. Which means 15% of the house price should be paid by buyer ( 90% loan).
In this scenario savings can help you to settle this amount or can be shown to banks to get higher loan amount.

After all this process , you can walk in to every bank to ask for maximum interest rate offered and loan percentage your eligible. This process would be more easier if you consult a Real Estate Negotiator since they will do all the work for you.
Share this to your friends and family whom are doing own business that looking to buy a house.

If your looking for new house, let me help you check your loan eligibility for free
Whatsapp : http://wa.link/ageayt

20/09/2022

‼️‼️MUST VIEW ! 🔥New Project 🔥
Sikamat, Seremban♥️
🏡TownHouse🌳
🍀 Land Size 24 X 80 🔥
🍀 Built up 1279 Sq Ft
🍀 3 Bedrooms 2 Bathrooms
✅FREE LEGAL FEES AND STAMP DUTY
👉Bermula dari RM225K Bumi
👉Bermula dari RM250K Non Bumi
🔥Hurry up ! First come first serve 🔥
📌 Nak maklumat lanjut, tanya saya untuk maklumat lanjut
👉👉➡️ http://wa.link/ageayt
Call/SMS/Whatsapp
☎️+60187847965

👇🏼Panduan Beli RUMAH PERTAMA
Apa yang perlu anda buat sebelum beli rumah pertama?
Saya kongsikan satu persatu langkah-langkah mengikut pengalaman sendiri:

✅Langkah #1: Tempah dulu siap-siap sebelum dikebas orang
Mula-mula, mesti la korang kena cari rumah yang sesuai dengan kapasiti kewangan korang.

✅Maksud saya, kaji dulu kemampuan korang. Kalau gaji bersih korang (katakan) RM2,500 sebulan, takkan korang nak henjut beli rumah harga RM700,000?

✅Alamat sampai ke sudah korang tak lepas nak beli rumah tu. Bila dah jumpa yang berkenan, pergi ke showroom projek tu dan jumpa ejen jualan dekat sana untuk letak duit booking.

✅Duit booking ini sebagai “pengeras awal” supaya rumah tu tak dibeli oleh orang lain.

✅Dalam kes saya, hanya perlu bayar RM1000 je. Tapi dengan developer lain, ada yang kena bayar RM3,000. Ada juga yang kena sampai RM5,000.

✅Lepas apply loan dan dah lulus, kalau rumah tu harga RM300,000 dan korang dapat margin pembiayaan 90%, loan yang korang akan dapat adalah sebanyak RM270,000.

✅Oh, ada satu perkara paling penting yang korang kena ingat selalu.
“Kalau loan korang bank tak kasi lepas, apa akan jadi dengan duit booking tu?”

✅Okay. Selepas bank reject loan, minta surat loan rejection dan hantar ke agent supaya mereka boleh proses refund booking.

16/09/2022

🔥𝐒𝐄𝐑𝐄𝐌𝐁𝐀𝐍 𝐍𝐄𝐖 𝐁𝐔𝐍𝐆𝐀𝐋𝐎𝐖 𝐎𝐧 𝐇𝐈𝐋𝐋 𝐓𝐎𝐏 🔥

Low Density Double Storey Bungalow !!!
Location: http://wa.link/ageayt

Property Details:
✅ FREEHOLD
✅ 5+1 Bedroom 5 Bathroom
✅ Double Master Bedroom
✅ 60×90
✅ 5400 Landside
✅ 5300 Build Up
✅ Basement
✅ Car Pouch Max 6 Cars
✅ RM 300 Security Fee Permonth
✅ 2 Acres Landscape Garden

Amenities：
- KPJ Hospital
- Columbia Hospital
- School
- Palm Mall & Aeon Seremban 2
- Seremban Gateway
- UTC Ampangan
- Seremban center point
- HTJ Seremban

Accessibility：
- 3 min Seremban Town Area
- 5 min LEKAS Highway
- 8 min PLUS Highway

=========================
More detail OR Viewing click whatapps link 👇🏻👇🏻
http://wa.link/ageayt
http://wa.link/ageayt
http://wa.link/ageayt

16/09/2022

🔥Projek Baru Double Storey , Iringan Bayu 🔥
📏Size : 1830 Sq Ft
🏠4 Bedroom 3 Bathroom
✅Freehold

💵Special Sale Package
====================
- Free Spa & Loan Legal Fees
- Free Mot & Stamp Duty
- Free 2 Years Maintenance Fees
- Booking Rm 1000
- Harga Bermula Rm 447K

🍀Facilities
====================
- 22 Acre Wetland Park
- Gated Guarded 24 Hrs
- Basketball & Futsal Court
- Integrated Children’s Playground
- Dedicated Bicycle & Jogging Track
- 18 Fitness Trails
- 190M Link Bridge With Lake Pavilion
- 24 Iconic Sculptures

📍Amenities
====================
- Near Klia / Plus / Klia Express
- 6km Sekolah Menengah Kebangsaan
- 6km Sekolah Rendah Kebangsaan
- 8km Sekolah Rendah Kebangsaan Cina
- 8km Sekolah Rendah Kebangsaan Tamil
- 8km Matrix Global School
- 10km Columbia Asia Hospital
- 11km Tuanku Ja’Afar Hospital
- 12km Aeon / Tesco / Mydin Seremban 2
- 12km Ktm Seremban
- 13km Seremban Bus Terminal

Hubungi Untuk Tempahan:👇🏼
SIVA RAJ
☎️+6018784796
http://wa.link/ageayt
http://wa.link/ageayt
http://wa.link/ageayt

14/09/2022

🔥Era Square Shop Lot For Rent🔥 2 Units Available👇🏼
✅ City Centre strategic place for your business

1️⃣ Jln era square 3 era square seremban
Price for rent :ground floor - rm 2600
1st floor - rm 1100
2st floor -rm 800

2️⃣ Jln era square 3 era square seremban
Price for rent :ground floor - rm 3000
1st floor - rm 1500

For more details please contact：
===============================
Siva Raj
☎️+6018784796
http://wa.link/ageayt

13/09/2022

The First Step of selling your house is to check the Market Value of the property. People always misunderstood that REN will determine the value of your house but its actually determined by Property Valuer.
Sometimes we can see some property owners try to sell their houses above Market Value and faces difficulties in selling their property.

Why is it important to check the Market Value?

✅Banks only provide loan based on the market value. For example, if the property value is RM250K, bank will only sanction that amount only.

✅If the owner sells the property for RM300K , the buyer have to arrange extra RM50K cash to buy the house.

✅If let say the buyer only get 90% loan, the buyer have to arrange 10% downpayment and also RM50K cash extra. This doesnt include the legal fees that will cost around 12K and also other expenses.

✅In this current economic situation and the Malaysian wages that just enough to cover basic expenses, buyers will face difficulties to arrange RM90K for a house.

Bearing in mind , that many Malaysian had to withdraw their EPF money by i-Sinar/ i-Suri during pandemic to cover their basic needs due to financial crisis.

So these are the reason to that you cant sell your house above Market Value.

Its not impossible to sell.

But if the house is worth over Market Value, for example fully renovated and in very good shape.
It would easier to sell above Market Value.

Otherwise, if the house is just standard without renovation and faults not repaired, no one would consider to buy above Market Value.

If you want to check your property Market Value, feel free to contact me :

Siva Raj
☎️+6018784796

Business Account

13/09/2022

🔥Seremban @ Springhill Industrial Park 🔥
Land for Sale
❤️🔥Cut @ Brand New Industrial Site is officially on sale ❤️🔥
👍 Price starts from RM 31 Psf (30% lower than the surrounding market price)
👍Land size 👉1.18Acres to 2 Acres
✅ Freehold
✅ Guarded and CCTV /
✅ Free SPA Legal Fees / Free Lawyer Fees
✅ Free MOT / No stamp duty
✅ Free 1 Year Security Fee /Free 1 Year Security Fee
💁 Come with infrastructure
✅Basic Facilities Infra Ready (Water, Electricity, Road, Sewer, Internet)
💁 Near the main highway ( 2 Mins)
The Academy of Sciences, International School)
* 10% Rebate for BUMI
* Early Bird Promotion

For more details please contact：
===============================
Siva Raj
☎️+6018784796
http://wa.link/ageayt

12/09/2022

Starz Valley Apartment Studio Unit For Rent RM 700 Only
🚨Amenities :
Aircond, Fan, Water Heater, Refrigerator, Induction Stove ,Wardrobe and Study Table with Chair
🚙Nearby :
- Inti International University, Nilai
- Chinese, Malay & Mamak Restaurant.
- Bus Facility to Manipal International University, Nilai University, KLIA1&2, Tesco/Lotus, Aeon, Mesamall, Giant Hypermarket,
KTM Nilai, etc.
- ATM, Petrol Station & Taxi Stand

Good environment for Students & Airport Workers.
24/7 Security with Card Access.
For more info,
☎️+6018784796
http://wa.link/ageayt
http://wa.link/ageayt
http://wa.link/ageayt

08/09/2022

For Rent

Lobak shop tuition centre will be vacant for rent in December 2022. 1st and 2nd floor
60x80x 2 floors, approximates 9600 sq ft
1st floor = RM 2600
2nd floor= RM 1500
*RM 3600.00 for 2 floors
Sila Call/Whatsapp
Siva Raj
☎️+6018784796
http://wa.link/ageayt
http://wa.link/ageayt
http://wa.link/ageayt

06/09/2022

🏠Pelaburan Hartanah Malaysia💵

2023
Ali Gaji RM2,800
Kereta ( bulanan RM650 )
Beli apartment 2 bilik Harga RM 220,000 ( bulanan RM950 )
Sewa 2 bilik RM 1200

2800+1200-950-650= 2400

2024
Gaji 3000
Sewa(1) 2 bilik 1400
kereta 650

3000+1400-950-650= 2800

2025
Gaji 3200
Beli apartment 3Bilik Harga 400K ( bulanan RM1,700)
sewa(1) 2 bilik RM 1,500
sewa(2) 3 bilik RM 2,200

3200 + 1500 + 2,200 - 1,700 - 950 - 650 = 3,600

Gaji = 3,200
Income Pelaburan = 3,700
Komitmen = 3,300

Nak melabur dalam Hartanah dan jana pendapatan tambahan??
Sila Call/Whatsapp
Siva Raj
☎️+6018784796
http://wa.link/ageayt
http://wa.link/ageayt
http://wa.link/ageayt

06/09/2022

Iringan Bayu Rental

Iringan Bayu @ Pastura
2 sty terrace house for Rent

Land Size: 1,300 sqft (20' x 65')
Built-up: 1,800 sqft

1) jln iringan bayu 21 precint 2 taman iringan bayu
Price for rent : rm 1100 (Bare unit)
- 4 bedroom + 4bathroom

2) jln iringan bayu 20 precint 2 taman iringan bayu
Price for rent : rm 1100 (Bare unit)
- 4 bedroom + 4bathroom

3) jln iringan bayu 20 precint 2 taman iringan bayu
Price for rent : rm 1000 (Bare unit.)
- 4 bedroom + 4bathroom

4) jln iringan bayu 20 precint 2 taman iringan bayu
Price for rent : rm 1000 (Bare unit)
- 4 bedroom + 4bathroom

5) jln iringan bayu 20 precint 2 taman iringan bayu
Price for rent : rm 1000 (Bare unit)
- 4 bedroom + 4bathroom

6) jln iringan bayu 20 precint 2 taman iringan bayu
Price for rent : rm 1800 (full furnised)
- 4 bedroom + 4bathroom

Siva Raj
☎️+6018784796
http://wa.link/ageayt
http://wa.link/ageayt
http://wa.link/ageayt