Buying the first house / Membeli "rumah pertamaku"

1. We have AKPK ( Agensi Kaunseling dan Pengurusan Kredit / Credit Counselling and Debt Management Agency) from Bank Negara providing financial education to individuals on how take control of one's financial wellbeing. How about the education of home ownership to first time house buyers in regard to their financial responsibilities as borrowers?

2. Once you bought a house ( the construction starts ), your financial responsibility starts as well. Paying monthly house installment is not like what you owe to credit cards where you can stall by paying the minimum 5%. Three months you don't pay the house installments, the bank will give you the "intention to lelong" letter!

3. The incident of properties / houses being auctioned for failure to service the loan is across the board - it happens to bungalows and low cost houses.

4. HBA ( The National House Buyers Association of Malaysia ) was quoted as saying that the success of any public housing programme should be measured by helping the lower income group to buy a house and remain as homeowners. That is a precise statement. The education programme should also be extended to all first time house buyers to raise the knowledge of financial responsibility of owning a house!

5. It is of utmost importance that one live within one's means. When it comes to owning a house, especially your first house, buy based on what you are comfortable in paying the monthly housing installment LEST you carry it over your shoulder all the time instead of it providing  a shelter over the head.

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Faktor faktor mengenai aspek kewangan yang perlu difikirkan sebelum membeli rumah "pertamaku" :

1. Macam mana untuk memenentukan jenis rumah yang harus dibeli? Rumah harga berapa yang harus dibeli?

2. Ini perlu dijawab dengan baik supaya masalah kekurangan wang bagi menampung pembelanjaan bulanan tidak menjadi masalah selepas bayar ansuran bulanan rumah.

3. Berapakah baki pendapatan / gaji  bulanan setelah tolak commitment keseluruhan ( kredit kad, ansuran kereta, bil utiliti, pembelanjaan anak anak , yuran, kos makan satu bulan untuk keluarga dan lain lain yang berkenaan )? 

Pendapataan bulanan itu tidak harus ambilkira overtime ( OT ) dan elaun ealun lain.

4. Sebagai garis panduan , bank hanya akan meluluskan pinjaman rumah jika bayaran ansuran yang dikenakan tidak melebihi satu pertiga gaji / pendapatan pembeli rumah.

5. Beli apa yang anda mampu dan bukan apa yang anda ingin. Jikalau anda beli rumah yang lebih besar dan cantik dari apa yang anda mampu, anda kena pikul rumah itu di bahu anda!!

New housing project nearby the highway or expressway - the potential of capital appreciation

1.0 Highlights from an article on property at Subang Jaya USJ township :

1.1 A link house 20' x 60' at Subang Jaya USJ 13 going for RM390,000.00! A basic one and half storey house at USJ 11 sold for RM450,000.00!

1.2 Price of houses have increased tremendously with some as high as 60% since beginning of this year!

1.3 And the time taken to sell a house in this area is around a week from the time the notice to sell is put up as compared to two to three months previously!

1.4 There are more buyers than sellers in the market which created a situation of " if you don't buy, others would ".


2.0 The reasons for the tremendous  price increase are due to the FACT that there is no more land available around Subang Jaya USJ area for future development.

3.0 But what caused the tremendous development in that area  that led to shortage / unavailability of land for development and hence the high price increase of property at Subang Jaya USJ township?
The price increase or capital appreciation of property don't just happen like that. The price increase is the effect of planning on the development at the very beginning stage. The price increase is the effect : the development planning is the cause.
 
4.0 One of the major factors that contributed to the popularity of USJ township is it's connectivity and accessibility to other cities and towns like Kuala Lumpur, Shah Alam, Klang, Petaling Jaya : Bandar Sunway, Bandar Utama, Kota Damansara, Mutiara Damansara, Damansara Utama, via A NETWORK OF MAJOR HIGHWAYS AND EXPRESSWAYS such as Federal Highway, Shah Alam Expressway (KESAS), New Klang Valley Expressway (NKVE), New Pantai Expressay (NPE), North-South Expressway Centrelink and Damansara-Puchong Expressway.

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Potensi peningkatan nilai hartanah pada projek perumahan baru di persekitaran lebuhraya KESAS dan SKVE

1. Pembangunan pesat dan peningkatan nilai hartanah di Subang Jaya USJ adalah kerana ia berhampiran dengan lebuhraya lebuhraya seperti Federal Highway, KESAS, NKVE, NPE. LDP. Pembangunan pesat telah mengakibatkan kekurangan tanah untuk perkembangan perumahan baru, ini secara langsung meningkatkan lagi harga hartanah kerana permintaan yang lebih hebat.

2. Memang bandar Subang Jaya USJ adalah satu contoh pembangunan bandar terancang yang sungguh baik. Ia telah menjadi satu role model atau sasaran bagi pemaju perumahan yang lain untuk membangunkan lagi bandar terancang seperti ini.

3. Dengan Lebuhraya KESAS dan SKVE, adakah pembangunan perumahan baru di persekitarannya seperti di Banting, Jenjarom, Teluk Panglima Garang, Kampung Kebun Baru, Sijangkang dan Johan Setia akan juga menikmati kadar peningkatan nilai hartanah yang memuaskan?

4. Pada pendapat saya, itu pasti. Tentang kadar peningkatan itu, saya tak pasti. Adakah saudara, saudari, tuan tuan dan puan puan mempunyai pendapat yang sama?

Buying developer's house - defect liability period / Membeli rumah baru dari pemaju perumahan - tempoh liabiliti kecacatan

As a house buyer, what is your right or protection from buying developer's house?

1. The defects liability period is a period of 24 months starting from the day the house buyer takes possession of the house. During this period, the developer is to make good the defects such as roof leakage, pipe leakage, ponding on the floor, cracks on the wall that appear in the building.

2. Developer is not exempted from structural defects / latent defects even after the defect liability period. Meaning? The developer is liable for defects arising from the structure and foundation work whereby the house buyer can take action against the developer for breach of contract even if the defects liability period is over.

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Membeli rumah baru dari pemaju perumahan : Apakah hak atau perlindungan anda sebagai pembeli rumah?

1. Tempoh liabiliti kecacatan adalah 24 bulan dari tarikh pembeli rumah ambil pemilikan kosong. Dalam tempoh ini, pemaju rumah diwajibkan untuk memperbaiki kecacatan pada rumah seperti bumbung bocor. paip bocor, air takung, dinding retak.

2. Pemaju rumah bertanggungjawap atas kegagalan struktur bangunan sungguhpun ia berlaku selepas tempoh liabiliti kecacatan. Pemaju perumahan tidak terlepas tanggungjawab dari kegagalan struktur : itu tanggungjawab sepanjang umur pemaju.