May 30, 2009

Rich Dad Poor Dad

Rule One :You must know the difference between an asset and liability, and
buy assets

  • Most people struggle financially because they do not know the difference between asset and liability
  • Rich people acquire assets.The poor and middle class acquire liabilities, but they think they are an assets

May 29, 2009

Buying a new house

We are in the midst of buying our 2nd property.We survey around for the property for more than a years.Finally, after visiting a few properties, we make a decision to buy one.It was quite a good offer.The place is at the same place we are renting now,plus it have 4 rooms, partly furnished with air-conditioned and water heater ,and freehold property.

Everything goes smoothly after that.We paid the earnest deposit to the agent and we applying a housing loan from a few financier.Finally, we choose RHB Bank as they are offering the best deal at BLR-2% and semi-flexi loan which mean that we can pump in extra money to pay for the principal payment.

We agreed to use the service of the lawyer recommended by the agent.We agreed with the S&P after we review the content of the S&P and were willing to proceed to sign S&P.However, problem occured as owner refused to sign S&P yet as they are waiting for the new title for their new house in Kepong to be completed.We are in the catch 22 situation. We already signed the Letter Offer early June and we must forward the stamp S&P to our financier by 1 month.Otherwise, they can cancel the loan and demand 1% penalty charge to cancel it.We are also expecting a new baby soon and my wife will be in Kelantan for a few months and it will be difficult for us to sign and complete the purchase during that period.I don't want to be incurred any penalty or let our loan been cancelled.I called back the agent and our lawyer to advise the owner to speed up this matter.Quite worried actually especially with the lawyer as it seems our lawyer don't take our problem seriously.Quite rarely she replied to our message or e-mail.It makes me think that we are making a wrong decision appointing this lawyer as our lawyer for S&P but as it already half-way,we think we should bear with it as it will incurred more cost and time for us if we want to appoint a new lawyer.

I pray to God that this transaction can be done soonest.The current economic condition and paying the rental of RM800 per month,it was better for us to buy a new house while waiting for our 1st house to be completed by mid 2011.Then, it will depend on the situation.Either we will rent it out or sell it back.At least, we are paying the rental for our home.Better safe than sorry ,right?

May 18, 2009

LAKE CITY CONDOMINIUM - PHASE 3

Alhamdulillah,proses pembelian kondoku berjalan dengan lancar.Pinjaman pun telah pun diluluskan oleh majikanku dan hanya menunggu ianya siap(katanya pertengahan tahun 2011).Ini adalah gambaran kondoku yg ku perolehi dari website pemaju tersebut (Platinum Victory Sdn Bhd) .


Ramai jugak org tanya aku kenapa aku beli kondo ni.Byk lagi pilihan yang boleh dibuat,beli rumah bertanah,beli dari owner dan sebagainya.Ini jawapan aku untuk beberapa persoalan.

Soalan 1 :

Kenapa tak beli rumah bertanah seperti rumah teres,semi-D ke atau yang berkenaan dengannya la.Senang nanti anak-anak nak bermain dan boleh bercucuk tanam ,etc....

Jawapan :

  • Kurang berkemampuan untuk membeli rumah bertanah di KL.Yang dekat dengan ofis dan tempat kije wife, semuanya atas RM300K sedangkan majikanku max ble apply RM300K.Nak beli kat area yang mampu jauh pulak seperti di Rawang,Shah Alam, dan sebagainya.Pikir-pikir balik,dengan jemnya,minyak yang sure naik,tol lagi, tension terperangkap dalam jem lagi,kena bangun awal-awal pagi dan balik pulak koman-koman pun dah nak masuk Maghrib.
  • Keselamatan.Sekarang ni rumah bertanah yang paling mudah dimasuki pencuri.Beli kondo ni hati pun tenang skit.Keselamatan lebih terjamin,ada security 24 jam, access card, dan sebagainya.
  • Senang nak disewakan nanti kalaulah ditakdirkan aku dan isteri bertukar tempat kerja ke negeri lain.Yerla,kondo maintenance nya tak leceh cam rumah teres seperti nak tebas semak samun.

Soalan 2 :

Kenapa beli Kondo kat Wangsa Maju.Kenapa tak beli kat Keramat ke, Jalan Ipohke, dan sebagainya?

Jawapan :

  • Sebab utamanya pemaju tersebut.Pemaju ni dah lebih 2-3 tahun aku survey kondo-kondo yang mereka buat.Majoriti memberikan respons positif dan nilai pasarannya meningkat dari tahun ke tahun.2-3 tahun lepas masa aku first survey aku nak beli kondo yang dah siap dan dalam pembinaan lebih kurang RM180K.Sekarang kondo yang sama tersebut kalau nak beli,paling kurangpun RM250K.Lepas tu dia buat sekali ngan shoplot.Byk juga gerai-gerai famous yg kat situ yg di projek2 mereka sebelum ni,contohnya Nasi Lemak Antarabangsa, Sate Kajang, Old Town White Coffee, dan macam-macam lagila.
  • Harga pasaran.Semalam eden survey lagi kat Midvalley.Kondo yang kitorang beli ni tinggal 15% yang blom jual.Untuk unit yang sama macam eden beli ni harganya sekarang RM292,500.00 .Umm,blom lagi siap dah berbeza RM25K jika nak dibandingkan semasa membelinya/book nya bulan July tahun lepas.
  • Dekat dengan tempat kije eden dan isteri.Lebih kurang 15-30mins ke tempat kije masing-masing.Takdelah stress sgt kalau jam kalau lalulintas pun.
  • Mudah mendapatkan 'public transport'.Dekat lah juga dekat LRT taman melati dan wangsa Maju.Teksi pun selalu lalu kawasan tu.So,apa-apahal takdelah menggelabah kalau kena amik public transport.

Bersambung kembali sekiranya keadaan mengizinkin.


May 16, 2009

Kenduri Kahwin Pok Mi

Eden,Atok,Pakcik2 ku dan Sepupu2ku

Atokku dengan gayanya tersendiri.Hehehehe....
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