My Property Buddy

My Property Buddy Your trusted real estate expert in Malaysia since 2013 | Pakar hartanah anda sejak 2013 β€” berpengalaman, dipercayai & mesra pelanggan

KEpakaran kami menghilangkan pening kepala anda dalam Jualan/ Sewaan/ Pajakan / Pengurusan rumah/pejabat/kedai/tanah dan hartanah lain.CALL 0193788478

07/05/2026

🏒 Ilmu Hartanah | Ramai Tak Tahu

Apa Itu Debt Service Ratio (DSR)?

Debt Service Ratio (DSR) ialah nisbah komitmen hutang bulanan berbanding pendapatan bersih bulanan seseorang.

Bank di Malaysia gunakan DSR untuk menilai sama ada anda mampu bayar ansuran rumah atau tidak.

Cara Kira DSR (Malaysia 2026)

DSR = \left(\frac{Jumlah\ Komitmen\ Bulanan}{Pendapatan\ Bersih\ Bulanan}\right) \times 100%

Contoh Mudah

Gaji bersih: RM5,000
Komitmen hutang:
β€’ Kereta RM900
β€’ Personal loan RM500
β€’ Kad kredit RM300
β€’ Rumah baru RM1,200

Jumlah komitmen = RM2,900

DSR = \left(\frac{2900}{5000}\right) \times 100% = 58%

πŸ‘‰ DSR anda = 58%

Kenapa Wajib Tahu DSR?

β€’ Elak loan rumah ditolak bank
β€’ Bantu tahu bajet rumah sebenar
β€’ Elak hidup terlalu terbeban hutang
β€’ Memudahkan perancangan kewangan jangka panjang
β€’ Tingkatkan peluang lulus pembiayaan rumah, kereta atau bisnes

Panduan Kasar DSR 2026

β€’ Bawah 30% β†’ Sangat sihat
β€’ 30% – 50% β†’ Masih baik
β€’ 50% – 70% β†’ Bank mula ketat
β€’ Atas 70% β†’ Risiko tinggi untuk lulus

Setiap bank ada polisi berbeza bergantung pada:
βœ” Pendapatan
βœ” Jenis pekerjaan
βœ” CCRIS/CTOS
βœ” Simpanan
βœ” Rekod bayaran

Follow My Property Buddy (MPB) untuk lebih banyak ilmu hartanah & strategi kewangan 2026.

Dengan pengalaman sejak 2013, kami komited memberikan nasihat strategic, telus dan berasaskan data
untuk membantu anda membuat keputusan hartanah yang tepat.
☎️ +6019 378 8478

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My Property Buddy

πŸ’Ό Strategic β€’ Professional β€’ Trusted
Because the right property decision begins with the right advisor.

06/05/2026

🌸Ruang Jiwa Tenang 🌸
Bismillah 5 sering diamalkan sebagai doa perlindungan dan ketenangan diri. Ramai mengamalkannya dengan niat memohon penjagaan Allah daripada gangguan, penyakit, ketakutan serta perkara buruk yang tidak terlihat.

Antara khasiat yang sering dikaitkan dengan amalan Bismillah 5:
β€’ Menenangkan hati dan jiwa
β€’ Memohon perlindungan daripada bahaya dan gangguan
β€’ Menguatkan keyakinan serta pergantungan kepada Allah
β€’ Menjadi amalan doa sebelum keluar rumah, bekerja atau tidur

Yang paling penting bukan sekadar membaca, tetapi memahami bahawa segala perlindungan datang daripada Allah Ψ³Ψ¨Ψ­Ψ§Ω†Ω‡ وΨͺΨΉΨ§Ω„Ω‰. Amalkan dengan ikhlas, istiqamah dan disertai doa serta usaha yang baik.

Executive Property Advisory
Miss Norlela Abdul Rahman
Senior REN | Leader
Founder, My Property Buddy

Since 2013 | Strategic Real Estate Specialist

Mewakili pemilik hartanah dan pelabur secara profesional di:
Kuala Lumpur | Selangor | Negeri Sembilan

Perkhidmatan Strategik:
Jual β€’ Beli β€’ Pajakan β€’ Sewaan

Pendekatan Kami:
β€’ Market intelligence & pricing precision
β€’ Premium asset positioning
β€’ High-value negotiation strategy
β€’ Pematuhan penuh garis panduan LPPEH Malaysia

Segmen Kepakaran:
Luxury Residential | Commercial Asset | Industrial | Strategic Land

πŸ“ž WhatsApp / Telefon: +6019 378 8478
πŸ“² Facebook | Instagram | YouTube | TikTok

Professional. Strategic. Trusted.

06/05/2026

PROPERTY FOR RENTAL
Location : Kiara Court, Nilai Impian , Negeri Sembilan
Type : Apartment
Built up : 929 sq ft
Tittle : Freehold
Lot : Non Bumi Lot
Rental price : RM 1300

SUBJECT :Kiara Court Modern Partial Furnished Unit With 2 Side-by-Side Parking
Description :
Comfortable modern living in a strategic location with excellent accessibility, green surroundings, and a well-connected community lifestyle.
Property Highlights
β€’ 4th Floor Unit
β€’ Freehold
β€’ 2 Covered Car Parks Side by Side
β€’ Partial Furnished
β€’ Built-in Kitchen Cabinet
β€’ Air Conditioners Included
β€’ Water Heater Included
β€’ Peaceful Green Ambience
β€’ Well-Maintained Environment

Strategic Location Advantage
β€’ Approximately 2 minutes to Nilai Town
β€’ Approximately 18 minutes to Cyberjaya & Putrajaya
β€’ Approximately 25 minutes to KLIA
β€’ Approximately 15 minutes to Bandar Baru Salak Tinggi
β€’ Approximately 55 minutes to Kuala Lumpur & Selangor

Excellent Accessibility
Easy access via PLUS, MEX, LEKAS, ELITE and major highways.

Amenities Nearby
Schools
Banks
Shopping Malls
Restaurants
Daily Conveniences

Facilities
24 Hours Security
Gymnasium
Public Hall
Surau

A practical and comfortable home choice for professionals, small families, airport staff, and those seeking strategic connectivity with peaceful living.

Established Since 2013
Strategic β€’ Professional β€’ Trusted
My Property Buddy (MPB)

Contact us today for viewing arrangement and professional property assistance.

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06/05/2026

PROPERTY FOR RENT & SALE
Location/Lokasi : Laman Azalea , Nilai Impian , Negeri Sembilan
Type Of Property : 2 storey Terrace
Land Area : 1850 sqft
Built Up:1776 sqft
Room : 5
Bathroom :4
Rental Price : RM 1800
Selling Price : RM 635,000

Title:Laman Azalea, Nilai Impian Private Dual Gated & Guarded Living by Sime Darby Property
A rare opportunity to own or rent a spacious family home in one of Nilai Impian’s most peaceful and highly sought-after residential enclaves.

Why This Property Stands Out
Developed by Sime Darby Property β€” trusted for long-term value and quality township planning
Dual gated & guarded residential environment with enhanced privacy and security
Lower density neighbourhood with peaceful green surroundings and quality community living
Walking distance to scenic lake garden and recreational areas
Spacious layout suitable for multi-generation living, growing families or long-term investment
One of Nilai Impian’s most strategic residential locations with excellent convenience and accessibility

Amenities Nearby
Schools & educational institutions
Shopping malls & retail outlets
Banks & commercial centres
Hospitals & medical facilities
Restaurants, groceries & daily conveniences

Excellent Accessibility
Easy access to PLUS, MEX, LEKAS & ELITE Highways
Approximately 3 minutes to Nilai Town
Approximately 20 minutes to KLIA
Approximately 35 minutes to Seremban
Approximately 45 minutes to Kuala Lumpur / Selangor

A comfortable, secure and highly connected home designed for modern living.
Contact now to arrange a private viewing appointment.

My Property Buddy (MPB)
Strategic β€’ Professional β€’ Trusted
Property Solutions Since 2013

Call / WhatsApp
019-378 8478

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Your Strategic Partner in Real Estate

05/05/2026

Delfina, Nilai Impian β€” Private Freehold Living by Sime Darby

A rare opportunity to own a gated, high-privacy home in one of Nilai Impian’s most peaceful enclaves.

Property Overview
Location: Delfina, Nilai Impian
Type: Double Storey Terrace
Built-up: 1,634 sq ft
Land area: 2,200 sq ft
Title: Freehold
Rooms: 4
Bathrooms: 3
Tenure: Bumi Lot
Price: RM510,000 (Negotiable)

Why This Property Is Different
Developed by Sime Darby Property β€” a name that protects long-term value and buyer confidence.
Located in a gated and guarded environment, offering strong privacy, security, and a calm residential atmosphere.
Surrounded by greenery with walking access to a lake garden β€” a lifestyle feature rarely found at this price point.
Well-maintained, partially furnished and move-in ready. Comes with kitchen cabinet and functional layout including wet and dry kitchen areas.
Spacious land size allows for future extension β€” ideal for owners planning long-term upgrades or value enhancement.

Location & Accessibility Advantage
Strategically connected via MEX, PLUS, ELITE, LDP and NKVE.
Close proximity to Nilai town, schools, banks, shopping malls, KLIA, Cyberjaya and Putrajaya.
Suitable for both own stay and long-term investment positioning.

Strategic Insight
Freehold landed homes within gated communities by reputable developers, priced around RM500K range, are becoming increasingly limited in today’s market.
This is a property that offers both lifestyle stability and future upside potential.

Serious buyers are invited to arrange a private viewing.
Call or WhatsApp 019-378 8478
We assist you with full property evaluation, negotiation and deal structuring.

My Property Buddy (MPB)
Strategic Professional Trusted
Serving clients since 2013

Follow us for high-quality property opportunities and insights
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25/04/2026

🏒 HIDUP SIHAT BERSAMA MPB
Bina kehidupan lebih stabil melalui keputusan hartanah yang betul

πŸ”₯ HEADLINE UTAMA (ATTENTION)

NAK JUAL | SEWA | PAJAK HARTANAH?
πŸ‘‰ Jangan sekadar letak iklan… guna strategi yang terbukti berhasil

πŸ’Ό POSITIONING (EXPERT AUTHORITY)
My Property Buddy (MPB)
βœ” Pakar Hartanah Sejak 2013
βœ” Strategik β€’ Profesional β€’ Trusted
πŸ‘‰ Kami bukan ejen biasa
πŸ‘‰ Kami penasihat strategik hartanah anda

πŸš€ VALUE PROPOSITION (KENAPA PILIH MPB)

βœ” Strategi pemasaran premium – tarik pembeli/penyewa berkualiti
βœ” Rundingan harga berfakta – bukan sekadar cuba nasib
βœ” Tapisan client ketat – elak risiko & buang masa
βœ” Ex*****on pantas & tersusun – deal lebih cepat jadi

πŸ’‘ Fokus kami bukan banyak listing… tapi listing yang berjaya

🏠 SERVIS UTAMA

🟒 JUAL HARTANAH

πŸ“ˆ Maksimumkan nilai hartanah anda dengan strategi positioning yang tepat

πŸ”΅ SEWA HARTANAH

🎯 Dapatkan penyewa berkualiti tanpa pening kepala

🟠 PAJAK HARTANAH

🏒 Tarik penyewa korporat yang stabil & berprofil tinggi

🟣 URUSAN MUDAH & SELAMAT

πŸ” Dilindungi proses profesional & pengalaman lebih 12 tahun

β€œPasaran bukan slow… strategi yang salah yang melambatkan.”

β€œBuyer & tenant beli berdasarkan perception β€”
kami bina perception yang buat mereka yakin.”

Serius nak jual / sewa / pajak?
πŸ“² WhatsApp sekarang: 019-378 8478

πŸ‘‰ Dapatkan konsultasi & strategi yang betul sebelum terlambat
My Property Buddy (MPB)
Rakan Solusi Hartanah Anda

Address

No. 133, Jalan Pusat Komersial Saujana 3 Heights, Seremban 2, Seremban.
Seremban
70300

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Monday 08:00 - 18:00
Tuesday 08:00 - 18:00
Wednesday 08:00 - 18:00
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