Showing posts with label Buying & Selling Property Knowledge 买卖房知识. Show all posts

EPF Guideline

#EPF Guideline

Notes on EPF Withdrawal guidelines from the fund for the purpose of:

Withdrawal to Buy Build House or #Shop #House

With effect from 1 November 1994, EPF BOARD introduced a new system whereby the contributions standing to the credit of and received in respect of each member shall be apportioned into three (3) accounts as follows:

	Contributions	Purpose of account
Account I	60%	for retirement
Account II	30%	for housing and pre-retirement
Account III	10%	for medical expenses

30% of the amount standing to the credit of the member is kept in Account II which may be withdrawn for housing purposes. It may also be withdrawn, upon the member reaching the age of 50, for retirement plans to be made.

Housing Purpose
For housing purposes, the withdrawals are to enable the member to:
A. buy/build a house or shop house with residential unit
B. reduce/settle the balance of housing loan
A member is eligible to apply for withdrawal if he:

is buying/building a house or shop house with the #residential unit;
has not made any previous withdrawal for housing purposes;
has entered into a sale and purchase agreement to buy/build a house within two years prior to the date of receipt of the application by EPF Board. For those who have entered into the sale and purchase agreement exceeding the two years period, they are eligible to make a withdrawal under the Withdrawal to reduce/settle the balance of housing loan scheme;
has not attained the age of 55 at the time of application.

A member is ineligible to apply if he:

is buying only vacant land or house excluding land
is buying the house on hire-purchase
is carrying out renovations repairs and additional works to an existing house

For individual/joint purchases, the members may make withdrawals from the Fund for an amount equivalent to:

the amount of difference between the cost price and the loan with an addition of 10% of the cost price; OR
the whole amount standing to the credit of the individual/joint members whichever is the lower.
For joint purchases, the EPF Board will process the application from the first purchaser and if the amount so is withdrawn is insufficient to meet the total eligible amount required, then only the application from the second purchaser will be processed.

Withdrawal to Settle / Reduce Housing Loan

A member may withdraw his EPF credit in Account II in order to reduce/settle any outstanding housing loan. Such withdrawal may be made once in every 3 years until the member attains the age of 55 years.
A member is eligible to withdraw:

The total amount standing to his credit Account II, or
the total outstanding balance of the #housingloan , whichever is the lower
For joint purchases, the EPF Board will process the application from the first purchaser and if the amount so is withdrawn is insufficient to meet the total eligible amount required, then only the application from the second purchaser will be processed.

i) Aged Below 50 years old

Open a fixed deposit account of RM300,000.00.
After a period of one year, the participant can withdraw up to RM240,000.00 for approved expenses relating to house purchase, education for children in Malaysia, and medical purposes.
Must maintain a minimum balance of RM60,000.00 from the second year onwards and throughout stay in Malaysia under this program.

ii) Aged 50 years and above

Can either choose to:

· Open a fixed deposit account of RM150,000.00; OR

· Show proof of monthly off-shore income of RM10,000.00 such as pension scheme.
After a period of one year, the participant who fulfills the fixed deposit criteria can withdraw up to RM90,000.00 for approved expenses relating to house purchase, education for children in Malaysia, and medical purposes.
Participants must maintain a minimum balance of RM60,000.00 from the second year onwards and throughout stay in Malaysia under this program.

For the latest information, please visit: http://www.kwsp.gov.my/

Call 03 – 8922 6000
Fax 03 – 8922 6222

Operating Hours: Mon – Fri 8.00AM to 6.00PM
(Excluding Saturdays, Sundays, Federal Territories and Selangor Public Holidays)

地产和房产的区别是什么？

房地产是指土地以及建筑等土地定着物，是实物、权益、区位三者的综合体。其中
(1)土地：指的是地球陆地表面及其上下一定范围内的空间

(2)建筑物是一种土地定着物，具体是指人工建筑而成，由建筑材料、建筑构件和建筑设备等组成的整体物。包括房屋和构筑物两大类。

(3)其他土地定着物指的是建筑物以外的土地定着物，具体是指固定在土地或建筑物上，与土地建筑物不可分离的物。或者虽然可以分离，但是分离不经济，或者分离后会破坏土地、建筑物的完整性、使用价值或功能，或者会使土地、建筑物价值明显受到损害的物。

房地产包括实物、权益和区位：
(1)实物：指的是房地产中可以看得见、摸得着的部分，例如外观、结构、装修、设备等

(2)权益：指房地产中无形的、不可触摸的部分，包括权利、利益、收益(如使用权、所有权、抵押权等)

(3)房地产区位：指的是房地产的空间位置。具体的说，一宗房地产的区位是该宗房地产与其他房地产或事物在空间方位和距离上的关系。

现在来说房产，房产按字面意思应为房地产中的一部分，即房地产包括房产与地产，再缩小一些范围则仅指地上建筑物部分，只是平时我们房产较多的时候是作为口语来讲的，实际上意思等同于房地产(因为房地产强调的是房地合一，不可分割)所以平时我们经常提我在***位置上有一处房产，实际这个房产指的就是房地产。因为一幢房屋如果没有了土地，就等于空中楼阁，无源之水，这是不现实的，所以现在抵押贷款时，只要房屋抵押，则其对应的土地也要随之抵押，无法分割的。

来源：王和东

房地产周期的6个阶段

了解房地产周期的6个阶段是你能充分发挥低买高卖策略的关键。
只要你了解这6个阶段，那么你会明白为什么你应该在某个时间段购买房地产，并在另一个时段售卖房地产。最重要的是，你将能够从市场到市场变化，确定这些阶段。

阶段1 - 早期的不景气
1. 这是市场达到高峰的时刻。一直推动市场到这一点的力量开始蹒跚。
2. 入住率仍然很高，但开始下降。租金增长已经放缓，净营业收入开始下降，资本化率上涨，且价格开始下降。信誉，这可能是自由流动的且有好的条件到达这一点，正在收紧且很难度过。
3. 建设项目正在完成，将新库存推向市场。

阶段2 - 完全不景气
1. 所有定价的“更正”正在进行。底部已经失去需求，租金下降，出租人正在重新谈判租赁，并做出必要的让步，让租户留下来。
2. 空缺正在迅速增加，销量下降，房产出售价格正在下降，资本化率正在上升。信誉已经枯竭，可用的东西都是昂贵，没有吸引力的条款。
3. 止赎正在增加，已完成的项目以促销价销售，或若无法筹集更多资金则申请破产。

阶段3 - 底部
1. 在房地产周期底部，空缺已达到最高点，租金和价格处于最低水平，资本化率达到最高点。
2.只要回顾三到六个月，加上没有看到任何价格，租金和利率低点的新消息，市场参与者知道周期已经达到底部。所有的指标开始平稳，资产价格远低于重置成本。
3. 库存过剩的迹象无处不在。“出售”标志满街是，很多置空的商业空间，新房子的整个细分已封上了。出租人仍然提供优惠，以吸引租客，虽然不像以前那样绝望。
4. 这是投资者大力追求房产购买的时候。

早期稳定
1. 在这个阶段，价格仍然低于重置成本，购买活动开始回升。租金不再下跌，但已稳定和平息。入住率低，但需求开始改善，空缺也开始减少。
2. 资本化率从高点开始下跌，净营业收入增长，价格也在上涨。市场参与者普遍认为，底部已经过去，但投资仍然是暂时的，因仍然不确定恢复有多“强大”。出租人减少让步，虽然他们仍然在必要的地方。
3. 投资者应继续购买资产。

早期恢复
1. 在这个阶段，收集恢复刺激需求。租金上涨，空置率随着入住率而接近长期平均水平而下降。净营运收入继续增长。资本化率开始下降，而价格上升，因为他们开始相等和超过重置成本。
2. 信誉越来越多。资本变得更加可用。更多的投资者进入市场，交易竞争增加。在这个阶段完成的建设项目直接被吸收进入市场。出租人已经停止作出让步。
3. 这与房地产市场达到均衡状态一样接近。

后期稳定
1. 在这个阶段，房地产周期正在建立到峰值，价格开始超过净资产价值（账面价值）或任何合理的产业估值。
2. 租金增加达到峰值水平，入住率为100％，空置率接近零，出租人不再向租客提供优惠，价格正在上涨到最新的高点，资本化率达到新低，净营运收入已经提高到最高水平并开始展平，现在的价格远远超过重置成本。
3. 关于“房地产财富”的故事开始出现在报纸上，许多第一次投资者开始进入市场，交易竞争激烈。信誉是有吸引力的条款，资本可以免费提供给投资者，夹层融资现在可用于大多数交易，投机买入是普遍的。
4. 除非你是房地产的世代拥有者，否则这是你售卖资产的时候。

资讯转自：durianproperty网

Reasons Why You Should Invest In Property Now

Reasons Why You Should Invest In Property Now

It’s no secret that Malaysia’s economy has gone through a downward spiral. With 2 major airline incidents in 2014, followed by the steep drop in crude oil prices and political unrest, we aren’t expecting to see an improvement for at least another year to come.

Too many people get immersed with the negativity of the situation and are on the defensive side when it comes to investment and spending. The conservative mentality to “save for a rainy day” and wait for market trends to improve keep them blind towards the potentially fantastic deals in front of them. One of those such deals is the situation of our real estate market. The trick is educating and training yourself on how to spot good deals, and then acting on these deals as soon as the opportunity arises. In the past 10 years, property prices have gone nowhere but upwards and will continue to rise and rise. Should you buy a house now? Or wait for another 1 or 2 years for the economy improves, or in hopes that the property markets reach a cooling down period with hopes of prices falling even if just by a little?

Don’t wait. The rule of thumb is that the price of a house is always higher next year than it is this year.

Here are 5 reasons why you should consider investing today.

1. Completion of Mass Rapid Transit (MRT) in 2017
a. Take a look at the trend of property near any LRT station. Prices of such locations have doubled in the last 10 years.
b. Easily accessible public transportation has always been one of the key factors that contribute to a property’s value.

2. Sellers are desperate to sell
a. With the majority of people being cautious in spending and investing, property sellers have suddenly found themselves to be in a tight situation.
b. Consumers are preferring to rent, rather than invest a large sum of money in the purchasing of a house. Even with renting, sellers might not be able to cover the housing loan installments and end up having to top up from their end.
c. Due to this, sellers are desperate to free up their cash flow and eventually will be willing to let go at lower, reasonable prices.

3. Property prices will continue to increase
a. If you think property prices are currently high, you’ll only think it worse in the future.
b. Regardless if you’re renting or you own the home you are living in, you are paying a monthly installment either way. Wouldn’t it be better to be paying a housing loan and end up owning the house at the end of the day?

4. Real Property Gain Tax (RPGT)
a. RPGT is set in place to control sellers and investors, by forcing them to hold properties for a minimum number of years instead of flipping them as soon as they get the keys from the developer.
b. By stopping this, this will reduce the speculation of property prices before sellers unreasonably spike prices whenever they see an opportunity to do so.

5. Future Economy Improvement
a. The economy is bound to recover in the coming years. The ringgit value will increase and people will be more willing to spend then.
b. Do you want to start at the bottom and compete with the majority at that point, or do you want to start off with an advantage, ahead of everyone else with your properties having gained value with the improvements of the economy?

A market slowdown isn’t necessarily a bad thing. Every cloud has a silver lining. Look for those hidden gems, fantastic opportunities are just waiting to be discovered.

Source: DurianProperty.com

Kindly contact S Y Yap at 0122282932 wasap.my/60122282932 to find out more property details. Our Sales & Marketing Team can provide you with a tailored service to provide the required results for your property.

投资房地产的理由

投资房地产的理由

大马经济已经经历一个下降的螺旋并不是一个秘密。单在2014年，就有两次主要航空公司的事故发生，其次是原油价格急剧下跌和政治动荡，相信在未来一年内也不会有什么改善。太多人沉浸在消极的情况下，为此，在投资和支出的防守方面都保持保守的心态。未雨绸缪及等待市场趋势改善的情况，都使他们对面前潜在的交易机会视而不见。而其中一个潜在的交易即是房地产市场的情况。在房地产的诀窍是教育和培训自己如何发掘好的交易，然后一旦有机会就应立即采取行动。

在过去的10年中，房地产的价格也水涨船高，但无处向上，相信会继续上升和上升。你现在应该买房吗？或者等待另一个1或2年，等经济改善或者希望房地产市场达到降温期，届时房地产的价格下跌？在这里，小编建议大家不要等待。因为根据小编的经验，房子的价格只会一年比一年高。

以下为你应该考虑投资房地产的原因。
1. 捷运（MRT）工程2017年完成
a. 看看在任何轻铁站附近的房产趋势，这些地点的价格在过去10年可谓翻了一番。
b. 容易获得公共交通一直是促进房地产价值的关键因素之一。

2. 卖家绝望出售
a. 由于大多数人在开支和投资方面都很谨慎，房地产卖家突然发现自己处于紧张的状况。
b. 消费者喜欢租房，而不是投入大量的钱购买房子。即使租房，卖家也可能无法涵盖房贷的分期付款，最终不得不从他们的最终补足。
c. 因此，卖家绝望地释放他们的现金流，并最终愿意以更低和合理的价格放售。

3. 房地产价格将继续上涨
a. 如果你认为目前的房价很高，那么你只会认为未来更糟。
b. 无论你是租房还是拥有房子，你都是每月分期付款的。那么，是不是支付房贷，并在房贷支付完的那天拥有该房产来得更好？

4. 房地产增值税（RPGT）
a. 房地产增值税的成立是为了通过迫使他们至少持有几年的房产，而不是一旦他们从发展商那儿获得钥匙后即刻翻买的方式来控制卖家和投资者
b. 通过阻止这种情况的发生，这将减少房地产市场的炒卖。

5. 未来经济改善
a. 经济将在未来几年恢复。令吉的价值将会增加，人们也将会更愿意花费。
b. 你想从底部开始，在那一点与大多数人竞争？或者你想从一个优势开始，领先于其他人？

因为届时你的房产将因经济的改善而有价值哦！市场放缓不一定是坏事。黑暗中总有一线光明。寻找那些隐藏的宝石，梦幻般的机会只是在等待被发现。

资讯转自：DurianProperty网

【买房须知】购屋不悔指标

【买房知识】

成家立室，当然要有个家才像家。如今的年轻人，特别是90后的新生代或首购族，崇尚自由自在，无拘无束的生活。尽管父母的家也还住得下，却大多不愿与父母同住。一心一意只想在外自已也买一间自住，组织小家庭，过小俩口甜蜜的二人世界。要买一间房子，当然不是说买就买，嘴上说说而已。要具体行动，认真考虑一下，要买怎样的房子？在哪儿买？然后再仔细盘算一下，要贷多少？你或你俩的收入够付贷款吗？最重要的是，头期够吗？还有一些购屋细节，也要慎重考量，真的要想好好才买，这样买了房子才不会后悔。

1. 头期不够怎么办？
虽说头期不够，可以找父母借或让父母帮忙。但父母劳碌半生赚的辛苦钱，都是准备下半生退休的养老金，能不借最好。除非父母乐意，家庭经济也宽裕，否则还是自已想办法，开源节流或找银行贷款。

2．月供勿超过月入30%
房贷每月供款，最好不要超过每月收入的30%，否则，你买了一间房子，就等于终身受累，沦为房奴。

每月为了供款，要勒紧腰带省吃俭用，甚至降低生活品质，牺牲了自已最喜欢的休闲娱乐、旅游购物等生活乐趣与活动。

3．勿贪便宜买郊区屋
若你的工作地点或生活圈集中在市区，那你最好还是不要贪便宜买郊外的屋子。否则，单是每日来回上下班花费的时间、精神，再加上交通堵塞、过路费、汽油消耗等，长年累月不是人人可以承受得住。披星戴月，每日消耗两三个小时在路上，根本就不明智。若再加上太太也无交通，上下班还要你负责载送，一部车子两人用（再买一辆又是另一笔开销），左赶右赶，真的累人。

4．生活便利是否齐全？
人不能独屋而居，周边环境还需要有便利设施如商店或商场、餐厅、银行、幼儿园或学校、诊所或医院、邮政局等，方便生活。试想，周边若没有间适合你口味的好餐厅，就得天天在家做饭；到银行或邮区办事，也要跑到千里之外；甚至生病了，也找不到一间好的诊所或医院等，这种无助又无奈的生活，真会令人抓狂。

5．择友为邻守望相助
远亲不如近邻。有个好邻居，对屋主来说，是一种莫大的福气。找到好地点好房屋，记得要与家人、亲友、好朋友分享。可以的话，最好大家一起买，做邻居，敦亲睦邻守望相助，彼此也有个照应。

6．房子升值空间多少？
购屋，考虑的当然不只是住而已；除了住，还要看看这房子未来增值空间。甭说他日发迹有钱了，经济宽裕了，小屋换大屋，这屋子更有价；纵是脱售套现，也比较容易，可卖到好价钱。

7．邻近可有好学校？
昔日孟母三迁，无非就是为了要让孩子好好学习。今日父母买房子，很多时候第一考量的就是，邻近可有间好学校如华小、独中、国际学校、学院或大学？未雨绸缪，趁早规划总是好的。切勿到了孩子要上学了，找学校时，才惊觉家离开学校实在太远了，那时才来后悔也许已经太迟了。

8．买房也要懂得省钱
虽说买房是笔庞大开销或投资，花钱自是难免。新发售的房产售价已定，少有折扣，但若买二手房，就要学会跟屋主讨价还价，纵使看中了，很想买，也勿喜形于色，表露出来，能砍一点就省一点。

9．物业管理是否妥善？
买下房子，就是决定从今以后定居在此。因此，若是围篱社区或公寓，买时最好也仔细检视一下，物业管理与保安是否完整妥善，以确保日后安居，也安心安乐，无后顾之忧。别说你不懂，不知道，不要等事情发生了，才来懊悔就来不及了。

资讯: 马来西亚房地产资讯网