DMX Property Hub

18/12/2025

🇲🇾 买房的人，一定要搞懂：MRTA vs MLTA

你今年30岁，
正供着 RM500,000 的房子，
以为「有买房贷保险就够了」？

⚠️ 关键不是有没有买，
而是你买的是哪一种。

👉 因为 10年后，家人能不能多拿 RM600,000，
就取决于你当初的选择。

📌 Case 1｜Mr. A 选择 MRTA
房贷：RM500,000
10年后不幸离世 💔
房贷还剩：RM400,000
教育费 + 车贷：RM300,000

💥 MRTA 赔什么？
👉 RM400,000 直接给银行还房贷
👉 家人 一分钱都拿不到 💸
👉 剩下 RM300,000 的债务？
👉 家人自己扛 😱

📌 现实是：
MRTA 保障的是 银行，不是你的家人。

📌 Case 2｜Mr. B 选择 MLTA
房贷：RM500,000
同样10年后不幸离世 💔
房贷还剩：RM400,000
教育费 + 车贷：RM300,000

💥 MLTA 怎么赔？
👉 RM1,000,000 直接赔给家人
👉 还完 RM400,000 房贷
👉 还剩 RM600,000 现金 💰

👉 剩下 RM300,000 的债务？
👉 用这 RM600,000 来缓冲
👉 家人压力小很多 🙏

📌 真相是：
MLTA 不只保银行，
更重要是保你的家人。
多赔的那一笔，很多时候就是救命钱。

18/12/2025

🇲🇾 买房的人，一定要搞懂：MRTA vs MLTA

你今年30岁，
正供着 RM500,000 的房子，
以为「有买房贷保险就够了」？

⚠️ 关键不是有没有买，
而是你买的是哪一种。

👉 因为 10年后，家人能不能多拿 RM600,000，
就取决于你当初的选择。

📌 Case 1｜Mr. A 选择 MRTA
房贷：RM500,000
10年后不幸离世 💔
房贷还剩：RM400,000
教育费 + 车贷：RM300,000

💥 MRTA 赔什么？
👉 RM400,000 直接给银行还房贷
👉 家人 一分钱都拿不到 💸
👉 剩下 RM300,000 的债务？
👉 家人自己扛 😱

📌 现实是：
MRTA 保障的是 银行，不是你的家人。

📌 Case 2｜Mr. B 选择 MLTA
房贷：RM500,000
同样10年后不幸离世 💔
房贷还剩：RM400,000
教育费 + 车贷：RM300,000

💥 MLTA 怎么赔？
👉 RM1,000,000 直接赔给家人
👉 还完 RM400,000 房贷
👉 还剩 RM600,000 现金 💰

👉 剩下 RM300,000 的债务？
👉 用这 RM600,000 来缓冲
👉 家人压力小很多 🙏

📌 真相是：
MLTA 不只保银行，
更重要是保你的家人。
多赔的那一笔，很多时候就是救命钱。

18/11/2025

Buying your first home or investing in property can come with a lot of jargon! Ever wondered about the difference between MOT and Stamp Duty? 🤔 You're not alone!

We've broken it down into simple, easy-to-understand slides.

📜 MOT (Memorandum of Transfer): Think of it as the ultimate ownership document. It's the paperwork that officially puts the property in your name.

💰 Stamp Duty: This is the essential tax you pay to the government on your legal documents (like your MOT and loan agreement) to make them official and valid.

The Key Takeaway? You don't choose between them – you pay Stamp Duty ON your MOT! It's how you legally secure your new property. 🏡

Save this post for future reference and share it with anyone who's navigating the property market!

18/11/2025

Buying your first home or investing in property can come with a lot of jargon! Ever wondered about the difference between MOT and Stamp Duty? 🤔 You're not alone!
We've broken it down into simple, easy-to-understand slides.

📜 MOT (Memorandum of Transfer): Think of it as the ultimate ownership document. It's the paperwork that officially puts the property in your name.

💰 Stamp Duty: This is the essential tax you pay to the government on your legal documents (like your MOT and loan agreement) to make them official and valid.

The Key Takeaway? You don't choose between them – you pay Stamp Duty ON your MOT! It's how you legally secure your new property. 🏡

Save this post for future reference and share it with anyone who's navigating the property market!

26/01/2025

With Foreward Realty – I just got recognised as one of their top fans! 🎉

19/01/2025

Foreward Realty在柔佛新山开设新分行，进一步壮大团队与市场版图。左起为李欣丽、黄伟良、UDA Heights代表、CJ-Invesco 代表、Faire Development代表、 Linbaq代表、郑贺銘、Foreward Realty核心创始人叶思勇、Tiland Group代表、Astaka Holdings代表.....

19/01/2025