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31 Oct 2007, 7:04 pm
adzimi
Actually distance is quite subjective. Dia subjective to the area yg ada kepentingan utk kau. For example, area yg berkepentingan utk aku is Subang, Damansara, and Bkt Jalil. So Bkt Rimau to me is perfect. For some, this is far. Cam personally i think
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31 Oct 2007, 7:00 pm
adzimi
easily outdo. Hopefully over time islamic loan can offer more attractive rates to encourage more take up.
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31 Oct 2007, 6:59 pm
adzimi
is based on syariah, tapi kenapa sampai membebankan? I wish islamic loan can be tailored to match the fixed rate/conventional loan counterparts. Though Islamic loan ada fixed rate/cap utk max rate pun, conventional loan and other fixed rate loans can
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31 Oct 2007, 6:57 pm
adzimi
Harris, fix rate though good on the paper, tak semestinya suitable for everyone. Ada several factors to consider actually, and how much risk you're willing to go for. For Islamic loan, aku susah nak agree because rate is too expensive. I know Islamic loan
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31 Oct 2007, 6:43 pm
aini
mat yie.. kalo lalu bwh komuter line kat stesen UKM tu.. jalan tu biasanya akan bajir kalo hujan lebat.. and there would be bottle neck there coz the road under the rail cannot be expanded.
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31 Oct 2007, 5:09 pm
web mod
kalau sesapa tau geng2 kita nye besday utk november.. pls inform me.. tq
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31 Oct 2007, 4:54 pm
harris
area adzimi tu mmg best, tapi bagi aku, susah + jauh sgt... aku kerja tgh2 KL. And I dislike driving in KL. Drive dari kemuning, bukit rimau ke Bkt Jalil? dah consider, and I still dislike the drive time  so aku duduk dekat ngan LRT hehehehe  |
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31 Oct 2007, 4:51 pm
harris
guys, try to hedge against volatile interest rates. Go for Fix rate, or better still Islamic Mortgage. example, 25 yr loan, for RM 100k, in the end you pay 210 - 230k. Ini kalau interest rate x move. Kalau dari 6 went to 10%, korang end up payg 275-300k
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31 Oct 2007, 8:28 am
adzimi
Anyway, kalau any questions, can just call or email or yahoo me, be glad to share my experience. Kang cakap kat sini panjang2 plak buat penuh shoutbox ni je . |
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31 Oct 2007, 5:22 am
adzimi
finish paying, the cost ends up to be around 200K+++ actually due to the interests. So you end up paying much more.
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31 Oct 2007, 5:21 am
adzimi
meaning 10% downpayment + 10% miscellaneous should come out of your own pocket. Kenapa? Sebab though it looks good now, this additional 20% loan means you have to pay up to additional 40% more to the bank eventually. Bila kita pinjam 100K, after you
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31 Oct 2007, 5:19 am
adzimi
Sometimes bank kasi 110% loan. What it means by that is they pay for your MRTA, Legal Fees and MOT. But of course this means you pay higher monthly. Personally, i feel that you should stick to 90% loan cukup.
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31 Oct 2007, 5:18 am
adzimi
When buying a property, kau kene buffer in some additional cash on top of the property price. Things to take into consideration legal fees (utk bank loan, yg S&P punya usually is free), MRTA (insurance) and MOT (land title). These are additional costs.
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31 Oct 2007, 5:16 am
adzimi
the decision is yours . |
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31 Oct 2007, 5:16 am
adzimi
Property consultant!  GULP! Takut aku bunyi nyer. Takdelah property consultant, i can only help give my opinion and share my experience so far. But as a disclaimer, i am not responsible for any decision making nor profit/loss incurred, coz eventually |
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31 Oct 2007, 4:20 am
Smiling MY
Adzimi's nice house tell me he could be best property consultant for us (free service some more!). There r a lot of hidden cost which we might not aware of. We gamble half of our life (30 yrs?) to buy a house.
Adzimi... Ur advice much appreciated.
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31 Oct 2007, 3:58 am
Smiling MY
I agree with adzimi. Rumah tu 22x75, built up area 2000 ft2. Aku rasa itu dah kira murah compare dgn nearby area. Tp aku confuse dgn jalan masuk ke situ sbb dr komuter UKM, jlnnya kecik go through under komuter rail. I doubt if I&P plan to do "flyover"
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31 Oct 2007, 3:37 am
adzimi
When buying a house, try to think from a point of an investor (though utk kita sendiri duduk). Why? because you never know when you want to sell/rent out the house later or upgrade.
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31 Oct 2007, 3:36 am
adzimi
Bangi setahu aku is leasehold. But it will be interesting with freehold there. Mat Yie, whats the built up + land area utk 233K tu? For the same price, you might want to check out Kota Kemuning.
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31 Oct 2007, 3:35 am
adzimi
Will try to contribute any findings that i can share too.
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