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🇲🇾 马来西亚 - 买房首购族之6步清单:💡确认买房的优先目的💡你买的第一间家,是打算拿来自住还是投资呢?市面上有很多不同的房子,应该根据自己的目的来选择对的房型,包括尺寸,地点等等。不然未来很大可能会发生“别人的家比较好”的现象❗💡拥有良...
05/10/2023

🇲🇾 马来西亚 - 买房首购族之6步清单:

💡确认买房的优先目的💡
你买的第一间家,是打算拿来自住还是投资呢?
市面上有很多不同的房子,应该根据自己的目的来选择对的房型,包括尺寸,地点等等。不然未来很大可能会发生
“别人的家比较好”的现象❗

💡拥有良好CCRIS和CTOS评分💡
拥有良好的信用评分 #很重要 #很重要 #很重要 ,这将决定了银行是否批你贷款,利率高低等等,除非你是cash buy啦😁

💡计算你的负担能力💡
以现实面说的话,也就是你的 #预算,我们大家也不想为了房子而餐餐吃面包吧😅,根据自己的能力来选择适合自己的房子,对未来还是有很大帮助的(至少以健康来说的话)❗

💡寻找合适的房子💡
#地点 #价钱 #交通 #房型,这些都会影响房子未来的价值,最常见的就是便利性,想象一下如果今天你买的房子离市区或油站较远的话,而刚好你今天懒惰不想开车,在这个赤道旁的热带国家,走路都feel到辛水辛汗,买个东西都要花半小时以上,真的是你想要的东西吗?

💡信誉良好的开发商💡
不只要选择好房子,还要选择好的开发商。打个比例,今天你看中了A房,那你可以去研究一下A房的开发商之前都做过什么样的项目,而之前建的房子品质怎么样,管理好不好,维修做的到不到位等等。买房前做做功课,对你也没坏处❗

💡准备好所需的文件和资料💡
当以上的一切都没问题后,这个时候就是准备资料啦~普遍的资料有:
✔身份证,
✔六个月的薪水单,
✔六个月的Bank statement,
✔最新的EPF statement,
✔EA Form,等等
(以上的资料是for上班族,如果是自雇人士的话,资料会有点不一样)

注:以上的资讯纯分享,如有任何疑问或指正,欢迎私信或在下方评论👍🏽(手下留情🙏🏽)

如果你喜欢这个主题或想要了解更多的房产知识,欢迎Like, Share & Comment,我会不定期的更新😁
#马来西亚买房首购族之6步清单

𝐅𝐫𝐞𝐞𝐡𝐨𝐥𝐝 𝐌𝐨𝐧𝐭 𝐊𝐢𝐚𝐫𝐚 𝐑𝐞𝐬𝐢𝐝𝐞𝐧𝐜𝐞2Room RM490K ⚜️ 40% Below Market Price🏡Suitable for Own stay & Invest 🚙 Easy Access to DUKE...
02/10/2023

𝐅𝐫𝐞𝐞𝐡𝐨𝐥𝐝 𝐌𝐨𝐧𝐭 𝐊𝐢𝐚𝐫𝐚 𝐑𝐞𝐬𝐢𝐝𝐞𝐧𝐜𝐞
2Room RM490K ⚜️ 40% Below Market Price
🏡Suitable for Own stay & Invest

🚙 Easy Access to
DUKE , NKVE, Damansara Link & Jalan Kuching
🚙 2min to
MiTEC, Publika, Dutamas, Solaris & Mont Kiara

🌳𝐏𝐚𝐧𝐨𝐫𝐚𝐦𝐢𝐜 𝐑𝐨𝐨𝐟𝐭𝐨𝐩 𝐅𝐚𝐜𝐢𝐥𝐢𝐭𝐢𝐞𝐬
Sky Garden 𝗹 Sky Lounge 𝗹 Sky Deck
🌳𝐑𝐞𝐬𝐨𝐫𝐭 𝐒𝐭𝐲𝐥𝐞 𝐅𝐚𝐜𝐢𝐥𝐢𝐭𝐢𝐞𝐬
Sandy Beach Pool 𝗹 Bali's Gazebo

⚜️ FREE Lawyer Fee
⚜️ FREE All Legal Fee
⚜️ Can Apply Full Loan

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💡7 Reasons Why Young People Should Buy A House💡   💡Houses are expensive!💡House prices have always risen more than fallen...
26/08/2023

💡7 Reasons Why Young People Should Buy A House💡
💡Houses are expensive!💡

House prices have always risen more than fallen.
Ten years ago, the same type of house only cost , and the price can rise to ten years later. Taking a house worth as an example, the price is almost after paying off the mortgage. Since it is expensive to buy anything, why not buy it while you are young?

💡Young, small burden💡

A person has the least burden when he/she is and also the most powerful💪🏽. And most of the are still unmarried, it's a great time to save, it's also a great time to a house.

💡Youth is Capital💡

I bought a house when I was young, and I can live in the master room by myself, and the other 'guest rooms' -out. This will not only allow you to own the property earlier, but also allow the tenant to the mortgage for you.

💡Money loses the value all the time💡

Global currencies are facing depreciation. 10 years ago, could support a whole family, but now can barely support one person. This is inflation, and the annual inflation rate is about 2%.

💡Own a house before considering its value💡

Buy a house according to your own ability. If you have good financial ability, you can consider a big house

💡The older you get, the harder it is to buy a house💡

When applying for a mortgage, the maximum payment period is , until the buyer reaches the of 65. If you buy a house at old, the mortgage payment period is . If you buy a house at old, then you can only get a mortgage for . If the income is not high, the monthly mortgage cannot be afforded!

💡Now it's the Great time to buy a house! 💡

Most of the new projects now offer discounts of down payment, and the government has also cooperated with the private sector to launch many affordable houses. Buying a house now only needs to pay 10% in advance, and it may be more than 10% in 10 years.

26/08/2023

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