MyProperty4u - Everything about real estate that u should know..

Bidder Should Focus on VALUE to Ensure a Profitable Auction Listing

2008-08-07T16:48:00.000-07:00

The life blood of any auction listing, the less the opinions then the lower the bid, no matter how professional your listings. The key to increasing the number of views is simply Research.

Take a look at what other popular sellers of your items do what they do title? Have them in different categories to you? What keywords they use to trigger an emotional reaction (leading to a hostile takeover)? Did they use gallery options? Are they with images to illustrate?

All simple factors, but those who make or break a bidding madness.

Add Value

Adding value does not always mean physically to do something, the product, what you want to achieve here is a perceived added value, if the potential bidders is your description.

Structure your description and, if possible with pictures illustrate and try to write the listing in a leading way so that it encourages potential bidders to read and falls in your element.

If the object has additional uses make sure that it in the list does not waffle, clear and concise, but show where this is possible, why the potential bidders must use your article.

Sellers have invested some time in the creation of "value added" listing tend to find that more bids and thus a better selling price.

Link

An essential part of your strategy for the development of your eBay auction income (or other auction sites) is the development of bidders in purchasing behavior more from you.

An important part of any campaign is the "promotion" of the tenderers to your other items for sale and, where possible, to include them in the list of preferred vendors, so that they can check over and over again.

If the sale of an additional post, or perhaps a higher point are then let the bidders know, and highlight such things as a combined Porto encouraging to see. Enter a breadcrumb trail, the bidders may me to your page, ebay provide an easy link can be added so that bidders can your favorites, there are always.

Understandable

Nothing is more to put off a potential bidder submits a bid that is as confusing, if possible use laymens terms remember, because not everyone is a technical expert.

Clear out all payment, delivery and time scale, so that they are easily understandable and the total cost and the expected delivery times can be developed immediately.

Ease

People are more than likely that a bid on a list if they feel comfortable with the auction, when creating your list, it is important that you completely objectively to their description.

Be completely honest when it errors then the list and explain fully, it shows that you do not try to deceive them and help prevent negative feedback (remember your auction income depends on future listings also).

Simple rule here is what would you want to know about the product, if you buy it? Then describe how you would expect, that there have described. Dont miss out bits, as this allows an opportunity for development within the psyche bidder to convince, not to offer, remember, not all potential bidders to ask questions.

Please check your listings as an opportunity to create a relationship, you need to nuture, so that the customer is locked in you and in turn will provide you with a life worth of custom. Do not think singular transactions, even if they are at the end when, because your eBay auction estimated income depends on customers to guarantee you success.

2008-05-11T04:18:00.000-07:00

Please refer link below to get latest listing properties on auction for the month of May 2008.
If you need any further details please contact Mr Saiful 60122793147 of me 60122424510.

http://www.zshare.net/download/1185533208fa9b36/

Commercial real estate: The big profits

2008-04-15T09:13:00.000-07:00

Real estate is often termed as the safest investment avenue. In fact, real estate investments done with proper evaluation of the property (and its true value), can lead to good profits. This is one reason why some people pursue real estate investment as their full-time job. Discussions of property generally focused toward residential real estate, commercial real estate seems to take a backseat. However, commercial real estate is also a good option for investing in real estate.

Real estate business includes a large number of different types of properties. Most people are related to commercial real estate only complex of offices or factories and industrial units. However, it is not for all commercial real estate. There are more than commercial real estate. Health centres, sales and warehouse structures are all good examples of commercial real estate. Even residential properties as apartments (or any property which consists of more than four residential units) are considered commercial real estate. Indeed, such commercial real estate is much in demand.

Therefore, commercial real estate is really profitable? Well, if it were not profitable would not have been written about commercial real estate throughout. Thus, commercial real estate is profitable safely. The only thing with commercial real estate is that it recognizes the opportunity is a bit difficult, compared with residential real estate. But the benefits of commercial real estate may be real big (in fact, much bigger than you would expect from residential real estate in the same proportion). You could deal with commercial real estate, either for resale or after gratitude for the rental of, say, retailers. The commercial development of real estate is in fact treated as the first sign of growth in residential real estate. Once you know of the possibility of significant commercial growth in the region (either due to tax breaks or whatever), you should start evaluating the potential for appreciation in the prices of commercial real estate and then go for it quickly (as soon as you find a good deal).

And you must really work towards getting a good deal. If you find that commercial real estate, e.g. land, is available in big chunks which are too expensive for you to buy, you could look at forming a small investor group (with your friends) and buy it together (and split the profits later). In some cases e.g. when a retail boom is expected in a region, you might find it profitable to buy a property that you can convert into a warehouse for the purpose of renting to small businesses.

So commercial real estate presents a whole plethora of investing opportunities, you just need to grab it.

Tips for Stopping Foreclosure

2008-04-03T06:21:00.000-07:00

“Foreclosure” is a four - letter word to any homeowner. The thought of losing a home to foreclosure is scary, and any homeowner would do whatever possible to avoid this predicament.

What is foreclosure, exactly? Legally, if homeowners continually miss mortgage payments, the lender can repossess the property. This is foreclosure, and it means the homeowner must give up the house. Not only that, but foreclosure can critically affect a person ' s credit rating, sometimes preventing any future credit opportunities. Because of this, foreclosure should be avoided if at all possible.

If you are having difficulty paying your mortgage, communicate this with your lender. Chances are you may qualify for assistance, or there may be another loan better suited to your needs. Another way to prevent foreclosure is to work with a housing counseling agency; Housing and Urband Development ( HUD ) can refer you to a reputable agency in your area.

Some alternatives to foreclosure include special repayment plans, temporary suspension of mortgage payments, and mortgage modification. These all depend upon your financial status and require you to furnish complete proof of both income and debt. Another possibility is pre - foreclosure sale. Pre - foreclosure sale enables you to sell your home for a lower amount than you have left on your mortgage. You will still owe the remainder of your mortgage loan; the benefit is that you will avoid foreclosure and save your credit rating. If none of these options works for you, you may pay your lender the deed for your house in lieu of foreclosure. While you still lose your home, your credit rating will not suffer as greatly as if you went through a foreclosure.

Be wary of scams. Only a professional can truly determine if you are qualified for these options to avoid foreclosure. Make sure you get everything in writing, and only sign if you understand the paperwork. It is possible to avoid foreclosure if you make wise choices and understand your rights. Just be careful not to fall prey to scam artists. The outcome may be worse than foreclosure alone!

Your best bet to avoiding foreclosure is to work closely with your mortgage company and / or a lawyer.

Real Estate Financing - Ten ways

2008-03-29T08:05:00.001-07:00

Do you remember when real estate financing means that you saved enough, 20% down on a house, and then came a mortgage loan for the other 80%? Well, you can still do, but there are many other options. Here are ten of them.

1st Gifts programs. In some parts of the country, builders fund foundations that give you a part of the deposit, it can be found in a house with less than 3% down payment from their own pocket. FHA and other lenders previously approved or permitted.

2nd No-doc loans. These and "low-doc" loans, which means that no or minimal documentation requirements, are back, and you can by online banks. These are for you with bad credit but 20% to 30%, to prepare for a house. They do not even have a job.

3rd FHA loans. The Farm Home Administration is not the money, credit, but a guarantee for your loan for the bank, so they can lend up to 97% of the purchase price, depending on the FHA program.

4th VA loans. If you were in the armed forces, a decent work, and can save two or three salary cheques, you can probably be a house with a VA loan.

5th Country. Even as a "contract for the sale" and other names, depending on the part of the country you are in, this means only that payments to the seller instead of a bank. It's up to you and them to negotiate payment amount, interest rate and term of the loan.

6th Seller second mortgages. Some banks allow you to have as little as 5% to buy a house, but it will only loans to 80%. The seller is responsible for making payments on a second mortgage from you for the other 15%.

7th State housing programs. Almost all states have some sort of funding to help in the form of a loan guarantee program or open loans to low-income buyers.

8th Family loans. It can not be that of love a brother or a friend lends you the money to buy a home. A 7% yield may look awfully good if their money is sitting in the bank at 2%.

9th Manufacturers loans. Some manufactured home companies are with the placement of the financing 5% or less for their buyers. They must feel that their money is safe, since a good piece on a modular property is nothing like a mobile home on a lot of rent.

10th Credit cards. This is a risky, but if you have a low interest credit card, you can use it to deal with the deposit, especially if you can pay it quickly with a tax refund, for example. Banks generally will not permit, but you can do this with the seller financing.

Are there other ways to finance real estate approach? You bet. It was just that you think.

Real Estate Internet Marketing is the way to go

2008-03-29T08:02:00.000-07:00

Real Estate Internet Marketing is a booming economy, together with all other forms of Internet companies. Now, it appears that very little can not be sold over the Internet. Estimate of 20 million people shop online for things as diverse as airline tickets to apartments. Research firms estimate that online shopping over $ 200 billion in 2003. They forecast that the number of online shoppers could double in the coming years. With such large numbers, it is only sensible to consider real estate Internet marketing.

Real estate Internet marketing makes sense, the perfect savvy real estate brokers. A website is not only the promotion of properties, you need to have time, but also the services that you make. With its own website, you can not only your properties to local customers, often times the examination of a human being, from another State may at your listings online, and have a good knowledge of the market before they step foot into it.

Real Estate Internet Marketing can open doors for you to make money off and related services. On your website, you can affiliate programs with any number of companies that serve the real estate industry. By providing links to other sites, you can get extra money, which you usually not without a website. Some of the affiliate programs you can check with banks, title, rating, and consumer electronics.

There are a number of companies that can help be your real estate Internet marketing. Some real estate agents offer their agents on their websites for larger sites. This would give you the opportunity, via the Internet, without substantial investment. You can discuss your credentials, recent sales, and have won awards, you can in sales contests. Any good real estate agents must now recognize the importance of real estate Internet marketing.

Landlord Liability

2008-03-18T04:42:00.000-07:00

As a landlord you should your legal obligations to provide local security for your tenants. The owners should not assume that the lease agreement gives them protection from liability for what happens to tenants during the occupation.

Changes in Residential Tenancies Act to clarify that the landlord has an increased responsibility to ensure that their properties are safe for the tenants and for third parties.

The recent wave of litigation in which the violations and theft were due to a landlord is not in its duty of care to facilities involved in the profession as normal operations can - except for defects that could not reasonably be discovered - were to benefit of Tenants, including negligence, if it is provided by a third party, in any case.

So what an owner can do to protect themselves?

* Be vigilant and find out what happened, and your property.
* Did you regularly inspected. Check the structure, water pipes, lines, roads, etc.
* Maintain an adequate public risk insurance, and make sure that there are no exceptions to this policy, if you want to file a complaint.
* Before buying action, arrange for a written examination of a professional qualification. This can prevent costly repairs necessary to ensure conditions for the tenants.

Discounted price for Auction Units!

2008-03-06T08:52:00.000-08:00

Info. Discounted price for auction property!! For selected area and properties.
Contact us for details info.

Investing In Apartment Buildings Today

2008-03-01T23:48:00.000-08:00

In today's volatile financial markets savvy investors must look beyond traditional financial vehicles such as stocks and bonds to provide capital growth and long-term security. Owned by a multi-family apartment building can be a great investment strategy as part of a larger well-diversified portfolio. Unfortunately, many of the new commercial real estate investors have been deterred from building placement with thoughts of the painting has spent the weekend or even trying to collect past overdue rent tenants. Nothing could be further from the truth. There are some surprising facts about apartment building investment that will completely change the way you take advantage of this unique investment vehicle.

Warren Buffett, a famous once said he preferred to invest in a market "when there is blood in the street." In other words, the investment guru seeks opportunities while others are at the Research away. Residential real estate markets across the United States are at the tail spin. Foreclosure rates are at record levels in many metropolitan markets.

Nobody knows if there is an end in sight or whether more families will be forced from their homes due to rising mortgage payments and an economic slowdown. Instead of buying in a weak residential market while prices are still falling, a strategic investment in a residential medium size enables the investor to provide housing if necessary, with a potential base of millions displaced persons.

Even with a slowdown in the economy and business cutbacks people will always need a place to live. Demand for rental property has never been higher. According to a recent United States Census, which is currently third, or 36 million households in the United States are occupied by tenants. In fact, a full 83% of all households with less than 25 years' rent, and 55% of households between 25 and 35 years are tenants. The growing population of senior citizens will also continue to rely on rental housing as a less costly and less burdensome alternative to homeownership.

Unlike foster homes, many residential buildings can be purchased for a price that is far below the cost of replacing it. This makes older, well-managed apartment properties more competitive with newly constructed properties that must charge higher rents to cover their mortgage payments. In addition, the residential buildings constructed for that setting up the value of existing properties and increase the value of your investment.

One of the biggest advantages of an investment in an apartment property is the fact that you will be able to take advantage of your investment. While the sub prime residential mortgage market crumbles, banks are more than willing to lend money on a property. Banks typically lend up to 80% of the purchase price and, in some cases, will actually allow the current owner to hold up to 10% of the purchase price in the form of a second mortgage financed Ownership . This allows the investor to buy the property for as little as 10%. Try to get a bank loan to 80% for the purchase of common stocks.

As with any real estate investment, apartment buildings not withstanding, leverage is one of the main advantages of the property. A bank will provide 80% of the purchase price on an apartment building. For example, if you buy a $ 800000.00 property with a mortgage and $ 600000.00 $ 200000.00 in cash, and the increase in value of $ 24000.00 after one year, c That is an increase of 3% in value, but an increase of 12% of your investment $ 200000.00.

Remember cash flow tallying when your rate yield potential of a property investment. Cash flow is simply the money left over each month, you pay for operating and mortgage. You can put that money in an interest bearing account to increase your overall rate of return or make improvements on the property to increase its value.

If you are new to investment in commercial buildings apartment I strongly recommend you read my e-course "Owning Your First Apartment Building". This course gives you not only all of the in-depth information that you purchase your first apartment building, but it also gives you all the interactive you need to determine cash flows and expenses. This course will teach you, in fact, exactly how to determine whether your building will be a profitable investment. You will also have access to the names and phone numbers of 25 banks in the country who specializes in commercial loans on apartment buildings.

OIL PALM PLANTATION WANTED!!

2008-02-23T05:01:00.001-08:00

We are looking for oil palm plantation with the following condition:

Location: Anywhere around Malaysia

Size : >100acres
Price : nego
Tenure: FREEHOLD ONLY

If you have come across any estate with the above condition please do not hesitate to contact us

thanks
-firdaus

Property for sale Feb 08

2008-02-13T08:38:00.000-08:00

as per attachment..
listing auction terbaru.. survey2 la mane2 yg berkenan..

lain2..
-BANDAR BARU SELAYANG (BANGUNAN PEJABAT TIGA TINGKAT)
KELUASAN :- 139.35 SQM (1500 SQFT)
NO P.T :- P.T 28949
HARGA :- RM 900 K

-BATU 7 HULU GOMBAK
KELUASAN :- 5869 SQM (63175.45 SQFT)
NO P.T :- P.T 5756
TANAH :- BANGUNAN
HARGA :- RM 55.00 PER SQFT

-PLOT 1 PHASE 5B TAMAN TUN ABDUL RAZAK AMPANG JAYA SELANGOR
H.S. (D) 15693 LOT NO. 4812
P.T NO 2051 MUKIM HULU KELANG
DISTRICT OF GOMBAK SELANGOR DARUL EHSAN
KELUASAN :- 929 SQM (10 000 SQFT)
HARGA :- RM 185 PER SQFT

-Tanah 3 1/4 ekar kat beranang, sebelah kem motivasi dr fadzilah kamsah..

-Ladang sawit 56 ekar & 200 ekar di Perak

-tanah pertanian utk sewa/pajak, 13ekar & 3 ekar, semanggol perak

bleh contact en hafizan...kalo x dapat hafizan contact plak teman ..

*sawit 56ekar sabtu ade appointment org nak tgok gak.. cepat2 kalo ade yg berminat..

listing property for auction:

http://www.4shared.com/file/37705754/4f5c5d4b/list_property_auction_feb08.html

Real Estate Investment Trust (REIT)

2008-02-07T10:37:00.000-08:00

Real Estate Investment Trust, or REIT briefly corporation, or trust, the pooled capital of many investors to purchase income and assets to manage. REITs can be a company that buys, develops, manages and sells real estate assets

REITs can individual participants or to invest in a professionally managed portfolio of real estate.

REITs are granted special tax considerations, which in certain countries. REITs as a pass-through institutions, companies, which are able to distribute the majority of income cash flows to investors without taxation at the corporate level (provided that certain conditions are met). As a pass-through units whose main function is to secure profits to investors, a REIT's business activities are generally restricted to generation of property rental income

REITs offer several advantages over real properties. First, REITs are usually on the main exchanges like stocks, they are very liquid, in contrast to conventional real estate. Secondly, REITs for the common and non-residential properties as well as hotels, shopping malls and other commercial or industrial properties. Thirdly, there is no minimum investment in REITs. REITs do not necessarily rise and fall in value along with the broader market. However, they pay the income in the form of dividends, no matter how the shares.

REITs can be value based on the basic measures, similar to the valuation of stocks, but different numbers are usually important that REITs than in shares.

Stamp duty

2008-02-07T10:35:00.000-08:00

With effect from 1 January 2008, private assessment will be used for purposes of evaluation in stamp duty payment. This will undoubtedly accelerate proceess of the transfer and registration process and spiral for the real eatate and property.

How To Purchase Commercial Investment Property

2008-02-07T10:28:00.000-08:00

Many investors believe changing asset classes into commercial property represent a good alternative for repositioning a real estate portfolio. There are many ways to think about how to purchase commercial investment property. We look at a few of the more interesting strategies we have seen.

The first way is to how to think commercial investment property loans already in place to accept purchase of the property. Obviously, the benefits of this strategy, less cash, which you maintain, in a negotiation to get more cash available for property maintenance and rewind. (Keep in mind, with an assumption you probably 1 point (1 percent of the loan amount) in order to pay the loan and your finances must be approved by the lending agency approved.)

But the good news is that you save time and money, because the money Institute already knows the property. The other nice thing here, especially if this is a longer-term loan (10 years or more) is that you are not the eradication process from day one. Instead, because you pick up where the first owner left off, more of each monthly payment is devoted to principal rather than interest, so you build equity more quickly than with a new loan.

But possibly allow the lending agency is not an assumption, or the seller owns the property free and free. Then, a second way to think about how to purchase commercial investment property is “trust deed financing”.

The seller can play banker and a trust deed, in order to create a negotiation, but the customer a lower down payment and the seller is more flexible names forthcoming. Again, the benefit here negotiating lower costs and the opportunity to ensure that the seller reduce interest costs.

The seller, a trust deed for any number of years to write and what designations for both parties. The seller could also withdraw a remark and then cash out by selling the note.

If a loan is in place, a third way, aims to how you think commercial investment property loans to other existing loans "wrap up" buying. The seller can still carry a note by “wrapping” a new loan around the existing mortgage. With wrap financing, the original, low-interest loan stays in place and new financing from the seller or a third-party is added on.

Other avenues to achieve required capital, commercial investment property to buy:

* Short-term Financing
* Investment, using money borrowed from a pension fund
* Investment within a 'self-directed' IRA with a third-party IRA janitor who buys the property and keeps them in the account

Full of hope we have some good idea and tips given on how to buy commercial property for investment. Keep in mind that there are risks involved when sellers play banker and buyers use creative financing, but if each party engages a good attorney and tax professional to draft the documents, everyone should be in good shape and there’s a good chance the deal will get done successfully.

Real Estate : Choose Wisely

2008-02-06T23:10:00.000-08:00

Buying a property requires research and planning. I would recommend that you have the capability of the voting of a good property during your preparation stage.Once exercise, which you acquire the habit, it is easier am, a good feature of just one property. Try the properties to repeat on the market in the same way the present, a book you would repeat. Ask yourself whether it is a good buy or not? Crafting your right decision. What are the properties, which makes it a good buy? More that you practice, you are the knowledgeable. But most of all, you will be less emotional when you decide on the best property to buy.

You can choose wiser. A property to buy is a real financial investment rather than an emotional exercise. Through practice, your choice of property logically justify to buy. Why do you think Realtors buy some of the best features, which are available in the market? They have the habit of deciding the best property to their profession by buying acquired. Since it different properties in all kinds of conditions and out of size, they do not receive more emotional when they buy every possible feature that meets their budget. The price is just one aspect of their criteria.

Often, especially for first major customer, Price is the biggest criteria. It does not matter if the position is not good, they do not care much if the property in a shabby is within their budgets to buy condition… their craving, they blind to the mistakes of the property. Could the long run, this property they cost more. They could with expensive repairs, low or no value or even recognition agreements with poor living conditions top end.

Consequently wise to choose is important when you buy a property. You should put your present circumstances, but also the total value of the property is not only consider your buy. Is it really worth buying, which is based on your criteria? Affordability is definitely an important factor, but it should not be the sole basis of your decision. In the same way just because it is his to the wrong position looks beautiful, that you should buy this property. Sometimes you have with your elections really intelligent. Looking for properties, the added value of the real property is not just temporary attributes which to buy the brands it attractive. Klug now choose brands that you are more prepared for the future.

KL's office market charts upward course

2008-01-22T20:57:00.000-08:00

By New Straits Times

One of the surest signs that Kuala Lumpur's commercial sub-sector is alive, vibrant and growing is the performance of its office rental segment.

Here, recent studies show that gross returns are currently a healthy six to 13 per cent per annum, on the back of capital values ranging from RM253psf to RM589psf. And, by the time this year is through, it's going to make the jump past the RM650psf mark, said international commercial real estate firm Cushman & Wakefield (C&W).

In its Asia Pacific Investment Report prepared by the firm in conjunction with the MIPIM Asia real estate conference and exhibition that will be held in Hong Kong next month, C&W said KL's commercial market is on the boil with several new projects taking shape both within and on the fringes of the city that are seeking to satisfy demand.

The consultancy said it also expects the retail sub-sector to continue its upward trajectory, fuelled by the strengthening ringgit, high export growth, increasing confidence in the government's administration, positive stock market performance, political stability and the country's growing number of tourist arrivals from China and the Middle East.

The tourism sector has been the second biggest foreign exchange earner since 2000, the report noted, receiving 17.55 million international travellers with receipts amounting to RM36.27 billion last year, an increase of 6.8 per cent and 13.5 per cent respectively.

In the residential sub-sector, C&W noted that activities have increased since 2002, due to pentup demand for houses following the slowdown in construction activities after the 1997 Asian financial debacle.

It said the high-end residential segment was particularly bullish, due to high levels of interest from foreign buyers, especially from the Middle East, and added that with capital values in the RM250psf to RM1,000psf band, gross returns are expected to be between six and 12 per cent.

However, C&W warned of changes to the scenario, among them the possibility of property price increases by up to 25 per cent due to inflation and the continued shortage of steel bars.

Overall, the report said the country's property market will continue trending higher, and cited the 11 government mega projects in the works worth an estimated RM90 billion as being instrumental in driving the surge.

Other catalysts include the increase in acquisitions by Real Estate Investment Trusts (REITs) and property companies, as well as steps taken by the government to expedite property purchases and to deregulate the industry.

On the state of the Asian property market, C&W describes it as "the world's most exciting today", noting that foreign investments in China are set to increase exponentially as investors begin to feel more comfortable with the republic's investment climate.

What is a Public Auction?

2008-01-19T07:35:00.000-08:00

A public auction is the sale of goods or property to the highest bidder. Auctions are a common and accepted way for banks and other financial institutions to sell properties secured to them when their borrowers default in the repayment of their loans.

Some auctions are conducted by the courts; others are by the banks themselves at the auctioneer’s office.

Property Auction House - 17/12/07

2007-12-04T09:07:00.000-08:00

Okeh frenz...
disini aku senaraikan beberapa list property lelongan utk sesaper berminat.
list fresh lagi nih. as at 5/12/07

Date auction : 17 Dec 2007
Venue : Jalan Ampang

5)3+2 bedroom apartment
No 153-15-1, Menara Duta Condominium, Jalan 1/38B, Segambut, 51200 KL
Floor Area : 2636 sqft
RP : RM364,500

16)corner single storey terrace house
NO 1, Jalan KP 3/2, Kota Perdana, Bdr Putra Permai, 43300 Seri Kembangan, Selangor
Land Area : 2488 sqft
RP : RM144k

23)3 bedroom condo
No P-2A, Lower Ground Floor,, Block P/2,Tiara Damansara COndo, No 33, Jalan 17/1, 46400 PJ, Selangor
Floor Area: 122.91 sq mtr
RP : RM275400

29)3 bedroom apartment
G-1-9,1st Floor,Block G,Vista Seri Putra Apartments, Jalan Seri Putra 2/3, Bdr Seri Putra, Bangi, Kajang
Floor Area : 856 sqft
RP : RM110k

* Senarai no tu utk memudahkan rujukan
* 5% deposit utk bid
* jgn contact/sms tengah2 malam beb :D
* boleh contact utk dapatkan property di kawasan anda berminat

Auction procedure

2007-12-04T08:33:00.000-08:00

Step by step Guide to bid during an auction.

Identify the property
Inspect the property
Do a search on the property
Call the sales agent / auctioneer
Prepare bank Draft
Register on the auction date
Read the Conditions of Sale
Bidding
Successfull bidder
Sign contract

Panduan kepada pembeli rumah

2007-11-25T03:59:00.000-08:00

Beberapa Aspek Penting bagi Pembeli Rumah

Sebelum anda membuat keputusan bagi membeli rumah, sila pastikan:

* Pemaju Perumahan mempunyai lesen yang sah dan masih lagi berkuatkuasa

* Mempunyai permit iklan dan jualan yang sah dan masih lagi berkuatkuasa

Kenal Pasti Jenis Rumah

Surat Perjanjian Jual dan Beli (SPJB) untuk tanah dan bangunan (landed property) seperti rumah banglo, rumah berkembar dan rumah teres ialah 24 bulan. SPJB untuk bangunan yang dipecahbahagikan (Building intended for subdivision) seperti kondominium, rumah pangsa, apartment dan rumah bandar ialah 36 bulan.

Pembeli adalah dinasihatkan mendapatkan brosur/risalah secara percuma daripada pemaju di mana di dalamnya terdapat semua maklumat penting projek termasuk nombor lesen, permit dan sebagainya.

Status Tanah

Pastikan status tanah sama ada:-

* Hakmilik Kekal - bermakna selama-lamanya kekal.
* Pajakan – pastikan baki pajakan tamat pada tarikh pembelian.
* Rezab Melayu.

* Semakan mengenai status tanah ini boleh dibuat secara carian di Pejabat Tanah atau Pejabat Pendaftar Negeri.

Maklumat Brosur

Brosur diberi percuma oleh pemaju dan pastikan kandungan brosur mempunyai maklumat berikut:-

1.Nombor lesen pemaju perumahan dan tarikh sah laku;

2. Nombor permit iklan dan jualan dan tarikh sah laku;

3. Nama dan alamat:
i) Pemaju perumahan berlesen
ii) Ejen-ejen yang diberi kuasa (jika ada)
iii)Pemegang surat kuasa wakil (jika ada)
iv)Syarikat pengurusan projek (jika ada)

4. Status tanah:
i) Bebas
ii) Pajakan - pastikan tarikh tamat pajakan
iii)Bebanan – sama ada telah dicagarkan kepada bank untuk pinjaman.

5. Dekripsi kedudukan
i) Spesifikasi bahan binaan rumah
ii)Luas bangunan
iii)Kemudahan/perkhidmatan

6. Nama projek perumahan, jika ada;

7.Tarikh projek perumahan dijangka siap;

8.Harga jualan setiap jenis rumah;

9. Bilangan unit setiap jenis yang ada; dan

10.Nama Pihak Berkuasa Tempatan yang meluluskan pelan-pelan bangunan dan nombor rujukannya.

Hak dan Kepentingan Pembeli dalam Perjanjian Jual dan Beli Rumah

Perlu difahami isi perjanjian Jual dan Beli rumah sepertimana JADUAL G dan H yang terdapat dalam Peraturan-Peraturan Pemaju Perumahan (Kawalan dan Pelesenan) 1989.

Bayaran Pertama

Pembeli perlu menandatangani SPJB pada masa pembayaran pertama 10% harga rumah dibayar kepada pemaju. Pastikan tarikh bayaran pertama dan SPJB adalah tarikh yang sama.

Untuk makluman pemaju tidak boleh mengutip apa-apa bayaran dengan nama apa pun tanpa suatu Surat Perjanjian Jual dan Beli.

Perakuan Arkitek

Pastikan apa-apa tuntutan bayaran ansuran kepada pemaju disokong dengan satu perakuan yang ditandatangani oleh Arkitek atau Jurutera Pemaju yang bertauliah.

Faedah Yang Dikenakan

Sekiranya pembeli atau pembiayaan (End Financier) pembeli gagal membayar bayaran ansuran dalam tempoh 21 hari bekerja dari tarikh menerima notis bertulis bayaran, pembeli akan dikenakan faedah oleh pemaju yang dikira dari hari ke hari atas kadar 10% setahun ke atas ansuran yang tidak berbayar.

Pembatalan Perjanjian Jual dan Beli

Sila ambil ingatan bahawa kegagalan pembeli membayar bayaran ansuran dan faedah yang dikenakan bagi suatu tempoh melebihi 28 hari, pemaju boleh menamatkan perjanjian Jual dan Beli. Pemaju hendaklah menghantar Surat Berdaftar A.R. kepada pembeli tentang hasratnya membatalkan Perjanjian Jual dan Beli.

Bayaran Penyelenggaraan Infrastruktur

Pembeli hendaklah membayar kos penyenggaraan infrastruktur dari tarikh pemilikan kosong sehingga masa penyenggaraan infrastruktur diambil alih oleh Pihak Berkuasa Berkenaan atau Perbadanan Pengurusan (bagi bangunan yang bermaksud dipecahbahagi.

Infrastruktur yang dimaksudkan ialah:

a) Bagi tanah dan bangunan
.: Jalan, jalan masuk rumah, parit, pembentung, saluran air dan loji pembentungan bagi pemajuan perumahan berkenaan.

b) Bagi bangunan yang bermaksud dipecahbahagi
.: Jalan, jalan masuk rumah, parit, pembentung, saluran air dan loji pembentungan bagi bangunan berkenaan.

Bayaran Penyelenggaraan Perkhidmatan

Mulai dari tarikh pemilikan kosong pembeli hendaklah membayar bagi perkhidmatan-perkhidmatan seperti berikut:-

Bagi tanah dan bangunan
(i) Perkhidmatan pungutan sampah, pembersihan parit-parit awam, pemotongan rizab jalan.

(ii) Bayaran ini wajib dibayar hanya sehingga perkhidmatan ini diambil alih oleh Pihak Berkuasa Yang Berkenaan.

(iii) Pembelii hendaklah membayar pendahuluan sebanyak 6 bulan pada masa mengambil pemilikan kosong. Sekiranya selepas 6 bulan, perkhidmatan ini masih belum di ambil alih Pihak Berkuasa Yang Berkenaan, apa-apa pembayaran selepas itu hendaklah dibayar secara pendahuluan bulanan.

Bagi bangunan yang bermaksud dipecahbahagi
(i) Bayaran perkhidmatan adalah bagi penyenggaraan dan pengurusan harta bersama dan pembayaran bermula apabila pemilikan kosong diambil.

(ii) Pembeli hendaklah membayar deposit satu (1) bulan dan tiga (3) bulan pendahuluan bagi perkhidmatan penyenggaraan ini dan apa-apa bayaran kemudian hendaklah dibayar satu bulan terdahulu.

(iii) Bayaran perkhidmatan penyenggaraan ini wajib dibayar kepada pemaju daripada tarikh pemilikan kosong sehingga penubuhan suatu perbadanan pengurusan di bawah Akta Hakmilik Strata 1985.

(iv) Apabila Perbadanan Pengurusan (Management Corporation) di tubuhkan di bawah Akta Hakmilik Strata 1985, perkhidmatan penyenggaraan akan diambil alih oleh Perbadanan Pengurusan ini dan pembeli adalah wajib membayar perkhidmatan penyenggaraan kepada Perbadanan ini dan bukan lagi kepada pemaju.

Ingatan:-
Pembeli perlu mengambil ingatan bahawa perkhidmatan penyenggaraan ini wajib dibayar selagi pembeli adalah pemilik petak dalam bangunan yang diselenggarakan.

Kumpulan Wang Penjelas (Sinking Fund)

Bagi bangunan yang bermaksud dipecahbahagi sahaja.

*
Pembeli hendaklah pada tarikh mengambil pemilikan kosong petak mencarum kepada kumpulan wang penjelas suatu amaun yang sama dengan sepuluh peratus (10%) daripada bayaran perkhidmatan.
*
Pembeli hendaklah membayar deposit satu (1) bulan dan tiga (3) bulan pendahuluan sebagai caruman kepada Kumpulan Wang Penjelas mulai tarikh pemilikan kosong dan selepas itu caruman yang sedemikian hendaklah dibayar satu bulan terdahulu.

Bayaran Cukai Tanah, Cukai Taksiran dan Lain-lain

Mulai dari tarikh Pemilikan Kosong atau tarikh harta dipindahmilik mengikut mana yang terdahulu, pembeli adalah bertanggungjawab membayar cukai tanah, kadaran, cukai taksiran dan bayaran-bayaran lain berkenaan dengan harta yang dibeli.

Tempoh Pemilikan Kosong

Pemilikan kosong bangunan dengan bekalan air dan elektrik sedia untuk penyambungan hendaklah diserahkan kepada pembeli dalam tempoh 24 bulan kalendar dari tarikh Perjanjian (bagi tanah dan bangunan) dan 36 bulan (bagi bangunan yang dipecahbahagi).

Syarat-Syarat dan Hak Pembeli Semasa Penyerahan Pemilikan Kosong (VP)

Pastikan harta bebas daripada sebarang bebanan semasa menerima notis penyerahan pemilikan kosong.

Sekiranya pemaju memajak tanah atau harta, minta pemaju selesaikan baki yang ada semasa penyerahan pemilikan kosong.

Syarat-syarat yang perlu dipatuhi:-

(i) Perakuan dikeluarkan oleh Arkitek Pemaju yang mengesahkan:
a. Bangunan tersebut telah siap.
b. Bekalan air dan elektrik sedia untuk penyambungan.
(ii) Pemaju telah memohon:
a. Pengeluaran CFO melalui Borang E *
b. PBT telah mengeluarkan surat perakuan bahawa Borang E telah disemak dan diterima oleh PBT.

* Borang E adalah permohonan daripada Arkitek pemaju kepada
PBT untuk pengeluaran CFO.

Pembeli hanya boleh menduduki rumah apabila CFO sudah dikeluarkan oleh PBT dan kerja-kerja mengubah suai rumah hanya dibenarkan selepas mendapat CFO serta kelulusan pelan oleh PBT berkenaan.

Semasa pemeriksaan bangunan, sebarang kecacatan sahih direkodkan dan diserahkan kepada pemaju untuk tujuan pembaikan. Pastikan anda mendapat salinan aduan.

Pembeli berhak menuntut ke atas kelewatan pemaju menyiapkan rumah.

Bayaran Gantirugi

Sekiranya pemaju gagal menyerahkan Pemilikan Kosong Bangunan pada masa yang ditetapkan dalam Perjanjian Jual dan Beli, pemaju hendaklah membayar kepada pembeli gantirugi yang dikira dari hari ke hari dengan kadar 10% setahun daripada harga beli rumah.