TIPS PEMBELIAN HARTANAH

Pentingnya Faktor-Faktor Persekitaran

 

 

Soalan: Apakah tiga faktor paling penting apabila memilih sebuah rumah?
Jawapan: Lokasi, lokasi, lokasi
Apabila memilih sebuah rumah, pakar-pakar hartanah menasihatkan pembeli supaya mementingkan lokasi sesebuah rumah. Biasanya, pembeli tertarik kepada faktor-faktor yang kurang penting mengenai rumah yang ingin dibeli. Walaubagaimanapun, pembeli dinasihatkan juga memberi perhatian kepada persekitaran rumah dan bukan saja rumah tersebut. Faktor persekitaran adalah seperti jiran, imej, kebersihan, kedamaian dan sebagainya. Tersenarai di bawah adalah faktor-faktor persekitaran yang perlu dipertimbangkan apabila membeli rumah:

Gaya HidupGaya hidup anda amat penting untuk dipertimbangkan apabila membeli rumah. Contoh sekiranya anda merupakan seseorang yang suka membeli-belah, maka adalah lebih sesuai anda membeli rumah yang dekat kepada pusat membeli-belah. Ataupun anda sudah bersara dan anda minat bersenam, persekitaran yang ada banyak pokok dan taman-taman adalah lebih sesuai untuk anda. Ramai pembeli kesal setelah membeli rumah yang jauh daripada tempat kerja.

Sistem Pengangkutan
Salah satu faktor yang penting adalah sistem pengangkutan. Adakah lokasi rumah yang ingin anda beli selalu ada kesesakan jalanraya? Adakah ianya dekat dengan LRT atau stesyen bas?

Persekitaran yang Selamat
Anda juga perlu memberi perhatian kepada isu keselamatan. Anda pasti risau tentang keselamatan anda dan keluarga anda sekiranya anda tinggal di kawasan dimana indeks jenayah adalah tinggi. Anda boleh membuat survey dengan mengkaji jenis penduduk yang tinggal di kawasan-kawasan persekitaran. Ataupun, anda mungkin lebih minat kawasan yang “gated and guarded”.

Pembangunan Masa Depan
Buat kajian tentang pembangunan masa depan yang dirancang untuk lokasi anda. Kaji sama ada terdapat perancangan untuk membina pusat membeli belah, apartment, bangunan komersial, masjid dan lain-lain bangunan di kawasan yang berdekatan. Cara kawasan di persekitaran rumah anda diperkembangkan pada masa depan akan mempengaruhi harga pasaran rumah anda.

Fikir Tentang Pembeli Masa Depan
Sekiranya anda bercadang untuk menjual rumah anda dalam lima sehingga sepuluh tahun, anda perlu ambil kira harga pasaran pada masa itu. Anda mungkin tidak kisah sangat tentang satu dua faktor negatif mengenai rumah anda tetapi kemungkinan pembeli lain tidak berkongsi pendapat yang sama dengan anda. Sekiranya anda memilih lokasi yang baik, nilai rumah anda akan naik dan anda akan mendapat untung yang banyak apabila menjual rumah anda kelak.
Nota Penting: Anda boleh ubahsuai rumah anda supaya ianya lebih menarik TETAPI anda tidak dapat anda tidak dapat membuat perubahan kepada persekitaran anda!


Untuk Keterangan Lanjut & Permohonan layari blog kami:http://mohd-azil.blogspot.com
 atau Hubungi Kami,


 Mohd azil
 Consultant Executive
 HP 012-7752839
 Email: ejenloan@yahoo.com

Cash Out Refinance

Sekiranya nilai rumah anda (ditentukan nilai pasaran atau melalui kiraan penilai profesional) melebihi baki pinjaman yang tinggal, anda boleh cash out perbezaan tersebut dengan interest refinance. Jadi cash out sebenarnya sejenis pinjaman peribadi di mana anda menggunakan rumah sebagai cagaran. Jumlah yang layak dipinjam adalah “nilai rumah” tolak “baki pinjaman yang belum berbayar”. Jumlah ini juga digelar sebagai ekuiti yang membawa maksud bahagian nilai rumah yang dimiliki tuan rumah selepas ditolak hutang.
Contoh: Katakan rumah anda dibeli 10 tahun yang lepas berharga RM250,000. Andaikan rumah anda sekarang bernilai RM350,000. dan baki pinjaman anda adalah RM200,000. Maka apabila anda refinance, anda ada opsyen untuk cash out RM350,000 tolak RM200,000 = RM150,000.
Opsyen cash out ini boleh dinikmati oleh semua pemilik rumah selagi terdapat perbezaan positif antara nilai rumah sekarang dan baki pinjaman.
Wang daripada Cash Out refinancing ini boleh digunakan untuk pelbagai tujuan. Biasanya, pemilik rumah menggunakan dana tersebut untuk:
Pembaikan dan ubahsuai rumah (renovation)
Sekiranya ubahsuai rumah dilakukan dengan professional ianya mampu meningkatkan nilai rumah lebih daripada kos pengubahsuaian. Justeru, pemilik rumah bukan saja dapat mendapat kepuasan daripada pengubahsuaian tersebut malah ianya juga memberi manfaat ekonomi apabila tuan rumah menjual rumahnya kelak.
Membiayai yuran kolej atau universiti
Ramai ibubapa tidak mempunyai duit yang mencukupi untuk menghantar anak-anak mereka untuk belajar ke IPTA. Maka, mereka boleh menggunakan cash out refinancing untuk tujuan pembiayaan kos pendidikan anak-anak.
Penstrukturan Semula Hutang
Sekiranya anda ada hutang kad kredit yang interestnya tinggi dan anda mempunyai masalah menjelaskan hutang tersebut, anda boleh mendapat “pinjaman” cash out refinancing untuk membayar hutang-hutang anda yang lain.
Pembelian Rumah Baru
Ada sesetengah pemilik rumah menggunakan wang daripada cash out ini sebagai down payment pembelian rumah baru.

 Untuk Keterangan Lanjut & Permohonan layari blog kami:http://mohd-azil.blogspot.com
 atau Hubungi Kami,


 Mohd azil
 Consultant Executive
 HP 012-7752839
 Email: ejenloan@yahoo.com

PERKHIDMATAN PENGURUSAN DAN PERUNDINGAN

Kami sebuah syarikat perunding/pengurusan menyediakan perkhidmatan seperti berikut:
- Khidmat nasihat pinjaman/pengurusan kewangan melalui bank untuk semua sektor ( swasta/kakitangan  kerajaan/badan berkanun/peniaga/orang kg/pesara).
- Khidmat nasihat Pengurusan jualbeli & refinance rumah.
- Khidmat nasihat jualbeli  & refinance kenderaan .
- Khidmat penghantaran kenderaan untuk pemeriksaan di puspakom.
- Khidmat nasihat pengurusan perniagaan serta kertas kerja syarikat bagi mereka yang baru memulakan perniagaan.
- Khidmat nasihat pengurusan memajukan tanah terbiar kepada tanah pertanian.
- Pengurusan tukar nama kenderaan/geran tanah serta memperbaharui road-tax insurans kenderaan.
- Servis Mengecat Rumah and Office (Painting House).
- Pemasangan Air Conditioner Related Services (Khidmat Berkaitan Penghawa Dingin - aircond) untuk Rumah & Pejabat.
- Servis pengangkutan lori untuk pindah barang pejabat,rumah dan barang-barang perindustrian.
- Servis kerja-kerja pembersihan dalaman pejabat,kawasan perumahan dan lain-lain.


 Untuk Keterangan Lanjut & Permohonan layari blog kami:http://mohd-azil.blogspot.com
 atau Hubungi Kami,


 Mohd azil
 Consultant Executive
 HP 012-7752839
 Email: ejenloan@yahoo.com

Proton Preve unveiled, price starts at RM59,540

Proton Prevé was finally launched today with the sedan coming in at a low RM59,540 on the road, inclusive of insurance.
Other variants of the new Proton Prevé sedan came at RM72,990 (1.6 Premium CFE metallic) and RM72,540 (1.6 Premium CFE  solid), while the 1.6 Premium IAFM+ version goes for RM62,990 (metallic) and RM62,540 (solid) respectively. The  cheapest variant which is the 1.6 MT Executive comes at at RM59,990 (metallic) and RM59,540 (solid).

The Prevé is said to be made for international market as the national car manufacturer has made swift plans to export the Prevé to numerous potential countries this year, including Australia.
Proton managing director  was optimistic about the car at the launch as he claimed that the car symbolizes how Proton has evolved from a domestic and regional player into a global car company.
The new sedan which has gained many praises was launched by Prime Minister, Datuk Seri Najib Tun Razak, at the Mines Malaysia International Exhibition and Convention Centre in Seri Kembangan.

Proton Prevé 1.6 CVT PREMIUM
RM 72,990.00 / Metallic
RM 72,540.00 / Solid
Proton Prevé 1.6 MT EXECUTIVE
RM 59,990.00 / Metallic
RM 59,540.00 / Solid
Proton Prevé 1.6 CVT EXECUTIVE
RM 62,990.00 / Metallic
RM 62,540.00 / Solid

Hubungi Kami,
Mohd azil
Consultant Executive
HP 012-7752839
ejenloan@yahoo.com"""

PEMBIAYAAN PERIBADI-i PESARA KAKITANGAN KERAJAAN/ANGKATAN TENTERA MALAYSIA

Pembiayaan Peribadi Pesara- i berlandaskan hukum shari'ah direka untuk memenuhi keperluan kewangan dan membantu pesara-pesara kerajaan atau tentera
yang memerlukan pembiayaan..

PEMBIAYAAN SEHINGGA RM100,000...
TEMPOH PEMBAYARAN SEHINGGA 15 TAHUN...

Kelebihan Pembiayaan..

* Kelulusan yang mudah..
* Ansuran bulanan yang tidak membebankan : hanya 1/3 daripada pencen
bersih..
* Tanpa penjamin atau cagaran..
* pembayaran Pembiayaan di keridkan daripada akaun pencen anda..
* Ansuran bulanan akan dibuat melalui potongan daripada jumlah pencen
bersih oleh pihak bank..
* Pembiayaan di lindungi oleh pelan takaful sekiranya pesara meninggal dunia..

Kelayakan

* Semua bekas penjawat Awam yang sedang menerima pencen perkhidmatan
layak memohon..
* Umur 67 tahun ke bawah layak memohon..
* Nama yang disenarai hitamkan juga layak memohon..

Dokumen yang diperlukan

* Salinan kad pengenalan Awam Pesara(depan & belakang)
* Salinan kad pesara / Bekas Tentera BAT D92D / D86D..
* Salinan kad pengenalan isteri (untuk pemohon lelaki sahaja)
* Salinan mengambil maklum isteri(untuk pemohon lelaki sahaja)
* Salinan buku pencen yang telah di kemas kini..

Untuk Keterangan Lanjut & Permohonan..


Hubungi Kami,
Mohd azil
Consultant Executive
HP 012-7752839
ejenloan@yahoo.com

New Toyota Prius c officially launched – RM97,000 OTR!

UMW Toyota Motor launched the new Prius c in Sunway this evening. The Prius c, known as Aqua in Japan, is an all new hybrid model for the B-segment, meant to go head-to-head with the Honda Insight. It has been teased before, but we can now confirm that the price is indeed RM97,000 on the road including insurance.
This RM97k price is quite a bit lower from the initial RM104k price estimated by UMWT last month, and makes the Prius c look even better value against the RM99,812.15 Honda Insight, which is its main rival. Till now, the brisk selling Insight has been the most affordable hybrid car in Malaysia, and the only one priced below RM100k.

We understand that the lower final price vs the higher initial estimate wasn’t a deliberate “strategy” but a result of hard work till the very end on UMWT’s part. We have to agree that it’s a great price for what’s on offer.
The Prius c is powered by Toyota’s Hybrid Synergy Drive “full hybrid” system, which here consists of a 1.5-litre petrol engine and an electric motor. The former is the 1NZ-FXE engine related to the one in the Vios. However, for this hybrid application, the VVT-i mill runs on an Atkinson cycle with a higher compression ratio (13.4:1) and unique valve open/close characteristics. It makes 73 PS and 111 Nm of torque.

The electric motor in question makes 61 PS and 169 Nm of torque, and the total system output is 101 PS. The motor is powered by a 144-volt nickel-metal hydride (Ni-MH) battery located under the rear seats (max output is 19.3 kW).
Other HSD components are the power control unit (inverter), a DC-DC converter, a step up converter and a hybrid control computer. The HSD system in the Prius c is 42 kg lighter than the HSD in the Prius, contributing to an overall low kerb weight of 1,140 kg.

Drive goes to the front wheels via a CVT gearbox. The Prius c rides on front McPherson struts and a rear torsion beam. Brakes consist of front ventilated discs and rear drums, the former providing energy regeneration to the battery. The steering system is EPS and the car rolls on 185/60 R15 alloys.
There are three selectable modes for the driver – Normal, ECO and EV. ECO reduces energy consumption by altering throttle response and air-con performance, because nothing comes for free! Go for EV mode and the car runs purely on batteries – this can be done at speeds of up to 45 km/h, and when you have sufficient charge, of course.

In the European combined cycle, the Prius c manages 25.6 km/l, which matches the Prius and is class leading. Toyota says that its 0-100 km/h of 10.7 seconds is also best in class.
Dimensions wise, the Prius c is smaller than the Honda Insight. Overall length for this standard shaped (no “signature hybrid look” here) five-door hatchback is below four metres, or 400 mm shorter than the Honda, but its 2,550 mm wheelbase matches the Insight. The width of both cars are identical as well.
Exterior aero reducing cues include the “pagoda” roof, “aerocorners” on the bumper, a flush underbody and aero stabilising fins around the car. The “under priority” trapezoidal front grille is designed for optimised aero/cooling.

Inside, the Prius c doesn’t have the Prius’ high centre console and tiny gear knob, but the dashboard is still interestingly styled. The Multi Info Display is a 3.5-inch full colour panel that shows everything from an Energy Monitor to an ECO Score. FC records are shown in a bar graph in 5-minute intervals.
Another cool feature is Touch Tracer from the Prius. The two control pads on the (flat bottom) steering wheel are touch sensitive, and when you press them, a duplicate image appears on the instrument panel. On the options list is UMWT’s DVD-AVN system – it’s a 2-DIN audio unit with 6.1-inch colour touchscreen, navigation system and reverse camera. It costs RM2,990.

The Prius c is richly equipped for the price. Besides the above mentioned unique features, standard kit includes seven airbags (front, side, curtain, driver’s knee), TRC (traction control), VSC (vehicle stability control), ABS, EBD, Brake Assist, auto climate control, cruise control and keyless entry with start button.
Five colours are available – pearl white, silver, black, citrus orange and red – the latter two were shown at the launch. The red car you see in our gallery comes with a full original Toyota bodykit, “blacked out” mouth and 16-inch wheels. These add ons are not available yet, but will be soon.

Once again, the Prius c is priced at RM97,000 on the road including insurance. The waiting list currently stands at “two to three months” according to UMWT.

Conctact,
Mohd azil
Consultant Executive
HP 012-7752839
ejenloan@yahoo.com

Nissan Teana in Malaysia

If you sat in or driven a Nissan Sylphy, you'll notice the silky smooth ride it has from a smooth performing engine and XTRONIC CVT gearbox. The ride I had in the Sylphy was relaxing and comfortable, thanks to the thickly padded seats (and home sofa-inspired rear bench!), good refinement and suspension that absorb most of the road undulations.

Since Sylphy is a C-Segment sedan, it has a D-segment elder brother named Teana. I'm sure you guys remember Cefiro, right? Well, Teana is the successor of Cefiro and after a short hiatus, the latest generation is here to gain back a spot in the D-segment along with popular models like Toyota Camry and Honda Accord. If Sylphy is a silky smooth car, then you can expect the Teana to be silky smoother!



The all-new Teana looks appealing in the eyes... of some middle income or in the 30s and 40s men. Don't get me wrong, the Teana doesn't look obsolote and atrocious, but still it won't appeal to people who are younger than 30, no matter what kind of bodykit or funky paintjob you fix on it will change their mind. You will only find those wearing t-shirt with family in the car heading to shopping mall in the weekend, or wearing formal with a coat to a meeting, or even retired man driving around town with his wife owns a Nissan Teana.


With a width of 1795mm, the Teana is a tad smaller in terms of exterior dimension compared to Honda Accord and Toyota Camry. Worse, the taillights design doesn't help in create a wide stance from the back at all, but it shines brilliantly and brightly with its LEDs.

The Teana comes with three engine choices: an entry level 2.0litre MR20DE engine which is found in Sylphy with 136bhp, a 2.5litre VQ V6 engine with 182bhp and the range topping 3.5litre, 252bhp V6 engine. The one I drove was the mid-range 2.5litre, which is not bad at all...



Step inside the 2.5litre Teana and you'll noticed how inviting the cabin is! Beige, comfy leather seats, luxurious looking dashboard and ample space for the front and rear passenger. The wood trim doesn't look fake and goes along well with the beige leather. No need to mention that the Teana's cabin felt that it is built to last, like every other Nissan models.

You'll be able to start the car by pressing the push-start button without taking out your key fob from your pocket. After a quick and minor vibration while firing up the engine, the engine goes into total silence while idle. You won't be able to tell that the engine is running or not if you had your eyes closed.



The Teana is surprisingly easy to drive, thanks to its light steering which enabled me to manoeuver out of the parking lot easily, despite its huge size. However, this is not a good thing while your travelling speed increase. The steering doesn't weigh up enough to provide an enjoyable manoeuvrability in high speed.

The award winning powerplant, on the other hand, performed excellently. Powerful but without harshness. Nissan did a great job in the NVH department too, filtering out unwanted noises from the cabin wonderfully. This is a car where your kids at the back will sleep soundly and will not ask you the "Are we there yet?" question frequently. The only thing I noticed was the suspension setup, which was a little on the firm side. But then, the Teana still absorb bumps without much intrusion into the cabin.

I was flabbergasted with the composure of the Teana on the road. My initial thought was a floaty and wobbly ride, but I was wrong. It handles nicely through bends and absorb bumps without unsettling the ride, as I've mentioned previously.

Peninsular Malaysia
Teana 2.0L Comfort OTR RM138,000
Teana 2.0L Luxury OTR RM142,000
Teana V6 2.5L Premium OTR RM168,000
Teana V6 3.5L Exquisite OTR RM248,500


Sarawak
Teana 2.0L Comfort OTR RM141,000
Teana 2.0L Luxury OTR RM145,000
Teana V6 2.5L Premium OTR RM171,000
Teana V6 3.5L Exquisite OTR RM248,500


Sabah
Teana 2.0L Comfort OTR RM141,000
Teana 2.0L Luxury OTR RM145,000
Teana V6 2.5L Premium OTR RM171,000
Teana V6 3.5L Exquisite OTR RM248,500

Conctact,
Mohd azil
Consultant Executive
HP 012-7752839
ejenloan@yahoo.com