WHAT PROPERTY CAN YOU AFFORD?

Planning to buy a property? How much can I afford is probably the first question you should ask before starting

So you've done your research and have decided that you are ready to buy a property. Before you proceed any further, it's important that you ask yourself this: “How much can I afford?”. It's always vital to put your financial standing into perspective before you shop for a property.

Why? Because once you commit to purchasing a property, you could be tied to a home loan that you have to repay every month for up to 35 years, considering that you don't sell off the property before the end of your home loan tenure. Many property buyers fail to determine what they can afford before they hop on the bandwagon, which may lead to financial struggles further down the road.

By taking a good look at your current financial standing, you'll also be able to significantly reduce your scope in searching for the right property that meets your budget. To determine your budget, you'll have to first start by assessing your disposable income. A rule of thumb is to ensure that your monthly loan installments should not exceed one-third of your total gross household monthly income. However, this is merely a guideline as you should also take into consideration of other debt obligations such as car loans and personal loans.

ALSO READ: 10 THINGS TO THINK ABOUT WHEN BUYING A HIGH RISE PROPERTY

When it comes to assessing what and how much you can afford, the three most important aspects to consider are:

• Monthly gross income
• Loan eligibility
• Your available cash for down payment and additional fees (such as legal fees and stamp duties)

At the end of the day, it's better to buy within your means so you won't be burdened with a heavy home loan for the next few decades.

Credit: iProperty.com

10 THINGS TO THINK ABOUT WHEN BUYING A HIGH RISE PROPERTY

Here are 10 things to consider before you decide to purchase a high-rise condominium

Dramatic architecture, stunning views, work proximity, resort style amenities, and customized social activities – these are just a few of the qualities that attract homeowners to beautiful high- rise buildings. However, before you make the decision to purchase a high-rise condominium, here are 10 things to consider:

1. Location

Location, location, location. This phrase applies to any property purchase including these! When looking to live in a high-rise property, look for properties in thriving and up-and-coming areas rather than areas that may someday improve. You never know – the developer’s dream to revive a dying and high crime area may never come true after all.

Find out what is nearby and compare it to your needs and preferences. Would you prefer to walk right out your door to malls for shopping, dining and market? Or would you be happier in a more established residential area? Or you want to move closer to work to avoid the mad rush or are having nearby schools or public transportation more important factors in deciding your choice of property?

Within the high-rise building itself, location should also be a consideration. If you have the elderly or kids living with you, units in lower floors might be more suitable due to the fact that you aren’t required to rely solely on the elevator for access – especially if the elevator were to go faulty. Or if you enjoy greeting your day with a beautiful view of the city, higher units could be your choice but the price will be much higher.

2. Land status

Another aspect that you need to take note of is the land status of the high-rise property in which you are intending to purchase a unit. The land status can either be under residential or commercial.

If the land status is commercial, one can expect that the assessment rate and utility bills to be charged at commercial rate which is higher than the rate for residential status.

3. Parking

Another important factor to consider when choosing your high-rise property is whether the parking facilities will meet your needs. Is it a secured parking garage? Elevated or underground? Where will your guests park?

Many high-rise apartments offer only one or two dedicated parking spots, while most commercial high-rise places like SOHO, SOFO and other versions of small offices, do not come with parking bays at all. If you own multiple sets of cars, you can either choose to rent or buy additional units. Find out how much the management charge for additional reserved parking?

Look into the location of the available assigned parking spaces. Do you need a space close to the elevator? For instance, if you’re an older buyer, or a family with small children, you might need a spot very close to the elevator. There may also be limitations relative to the height or length of your vehicle.

4. Facilities

Aside from location, amenities tend to be a huge draw for buyers interested in high rise buildings. Landed residential units usually don’t come equipped with facilities such as swimming pool, gym or community hall.

Though almost every condominium comes with ample facilities, if you are buying sub-sale properties, it will be prudent to check the condition of these facilities. Are they well maintained? Or adequately equipped? You wouldn’t want to be paying maintenance fees for a gym with broken equipment.

Also read: WHAT THE MEANING & DIFFERENT OF SOHO, SOFO & SOVO?

5. Insurance coverage

The building is usually insured by the management but it does not cover insurance for home contents, so this is something you will get on your own.

Ask what would happen if your neighbour had a fire and it impacted your unit or if you accidentally flooded your bathroom and repairs had to be carried out.

The type of insurance and rates will vary according to different types of building, so understanding what the cover does and doesn’t include is vital due diligence. Check with the management and insurer on this.

6. View

If you are buying to invest, getting a high-rise property with a good view can be good for your investment. A good view can be a difference of a few thousand Ringgit – who doesn’t like a view of KLCC from their balcony? Higher floors usually offer fabulous views compared to lower units. If you consider this factor very important, then it should play a major role in your decision. Another benefit of living on the top floor is that you will have better lighting and ventilation.

When getting the higher floors, focus on the material used in the windows. It has to be of very good and reliable quality. The frame has to be durable to sustain the wind load during extreme conditions.

7. Security

When looking out for a property, you should consider if the environment is safe for you and your family. Is the apartment well-guarded?

Do guards do patrolling? Are the security restrictions high? If you frequently hear robbery and snatch cases within the vicinity or there have been break-ins in the apartment, you might want to look elsewhere.

Find out how many security guards are on duty in the day and also at night. Finding out more information on the security of the property will at least give you peace of mind.

8. Density

A higher dense building can get a little overcrowded. Your overall experience with lift waits, tiny car parks, and traffic congestion may be an unpleasant one.

Exclusivity can come at a higher cost, but sometimes it may be money well-spent.

High density properties can result in noise and insufficient parking bays. If this is a pet peeve of yours, find out how many units are there in the whole development, and also on each floor. The number of lifts available for each building can also make a big difference.

9. Maintenance Fees

For high rise properties, a monthly maintenance and sinking fund fee is used to pay for maintenance, repairs and upgrades. Maintenance fees tend to be higher for older properties because of the aging facilities. There is also the possibility for an increment in the fees as time goes by.

Generally speaking, larger developments will have more common facilities such as swimming pool, multiple lifts, BBQ areas, terraces, gardens and gyms. The larger the complex, the more surface that needs maintenance and repairs over time.

The minimum chargeable rate is RM0.12 per square foot per month. This rate will change according to the management and the facilities they offer. So, if your apartment is 1,300 square feet, your monthly maintenance fees will be RM156. If it is a condominium with facilities, it is on average RM0.30 per square foot, which makes it RM390 a month. Whatever it may be, make sure it’s an amount you’re willing to fork out every month.

10. Homeowners Association (HOA)

Find out how active is the homeowners’ association in maintaining the property? Do owners have a say in the upkeep of the building? If possible, obtain a copy of the bylaws and recent meeting minutes. From these you may be able to pinpoint issues that will influence your decision.

Before buying a unit, it is important to understand what plans the association has for the building, as well as other rules that will have an impact on how you live in your home and any changes you want to make. It is good practice to find out what ongoing maintenance occurs and improvements that might be in the future list. Ask when it is next going to be painted, when the corridors are going to be refreshed and whether there are any other developments planned. That could all have an effect on your living there.

Buying a high rise property has a different list of requirements compared to a landed one. Be aware of what will and will not bring value to your investment before making the decision to purchase.

The amount of due diligence required before purchasing a high-rise building is twice that of a house. Don’t get caught up emotionally with a beautiful view and sacrifice quality. In the end it simply won’t pay off.

Credit: www.iMoney.my

EPF TO SELL LONDON BUILDINGS

PETALING JAYA: The Employees Provident Fund (EPF) is looking to sell some of its buildings in Britain, which could fetch it a cool £100mil
(RM550mil) in profit.

The fund has put two office buildings, namely, St James Square, West End, SW1 and Tower Bridge House, E1, formerly known as the K2 building at St Katharine Docks, on the market, sources said.
The two properties were put up for sale about two weeks ago, but indicative prices differ among the sources.

According to one source, the EPF is releasing both properties for a combined value of £405mil, but another source has put it at about £380mil.

The EPF had bought St James Square in August 2011 for £147.5mil (which had then carried a rental yield of 5.4%) and is looking to hive it off at a
price of £205mil, according to one source.

A second source said the building is being put on the market for £180mil.The second property, Tower Bridge House, was purchased at about the same time for £163mil, then representing a yield of about 5.6%.

It is seeking about £200mil for this property now, which works out to a net yield of 4.5%.If the EPF succeeds in selling both properties at the higher range, it will make a gross profit of about £94mil after having kept both properties for
between five and six years.

In April 2015, joint-owners Retirement Fund Inc (KWAP) and the EPF had sold the nine-storey 1 Sheldon Place for £210mil to British Land, a United Kingdom-listed real estate investment trust.

The Malaysian funds had paid £156mil for the office building back in 2010, fetching a good premium for one of their earlier investments in London’s commercial property.

The 200,000-sq-ft building is fully let out to Visa Europe Services until December 2022 with a rent review in December 2017.The EPF has been actively looking to monetise its other UK assets as well. In 2015, it was also reported that the EPF had put up commercial building
Whitefriars, 65, Fleet Street - the headquarters of law firm Freshfields Bruckhaus Deringer - for sale for £170mil.

The EPF had bought this property for £148mil. The lease for the 225,000-sq-ft office is until 2021 and offers a yield of 5.75%.

It had bought Whitefriars from German-based fund Union Investment in 2011.

Also in 2015, EPF chief executive officer Datuk Shahril Ridza Ridzuan told a press conference that it was considering the sale of Reading International Business Park, in Reading, Britain. It had acquired that building from Arlington Business Parks Partnership Fund for £140mil in 2011.

In an email reply to StarBiz, Shahril said that this property was still in its UK portfolio.In 2015, Malaysian funds were advised by the Government to repatriate their foreign investments to help boost the local economy.

The EPF entered into the London property market in 2010, setting aside £1bil for its UK property spending soon after the 2008 global financial crisis,which thrashed the pound sterling to as low as less than RM5 to a pound sterling.

The attractive exchange rate between the ringgit and the pound, coupled with the fall in property values from residential housing to office blocks,prompted investments from both the private and public sectors and cash-rich Malaysians.With a fund size of some RM700bil today, among the largest in the world, the EPF subsequently increased its £1bil investment threshold, as it moved into more purchases other than office space, a chain of hospitals and logistics assets in the UK and the European continent.

The EPF’s foray into Britain also prompted other Malaysian funds to follow suit. Among them, Permodalan Nasional Bhd, KWAP and pilgrim fund Lembaga Tabung Haji (LTH).Some of these local funds did cash out before Britain voted to leave the European Union.KWAP sold 88 Wood Street in May 2016 just before the June 23 Brexit referendum for £270mil, giving it a premium of £55mil, having paid £215mil in 2013 for the 18-storey London office building.

In April 2015, LTH sold 151 Buckingham Place, an office block, for £250mil, 22% higher than the price it had bought it two years earlier.

Credit : starproperty.my

MAKLUMAT PINJAMAN PERUMAHAN PENJAWAT AWAM

Akhir-akhir ini ramai sahabat-sahabat peguam dan orang awam mengadu kepada HartaGuam yang urusan pembiayaan perumahan mereka dengan LPPSA banyak masalah dan lambat.

Antara masalah-masalah tersebut adalah seperti berikut:

1. Dokumen pembiayaan dan gadaian lambat ditandatangan.

2. Penyata tebus hutang lambat dikeluarkan.

3. Dokumen pelepasan gadaian lambat ditandatangani yang mengakibatkan geran asal lambat dikembalikan walaupun penyelesaian bayaran baki hutang telah lama dibuat.

4. Ketidakpastian sama ada Surat Tawaran pembiayaan dan dokumen pembiayaan wajib di mati stem atau tidak.

5. Pembiayaan lambat disburse.

Selepas semakan dibuat oleh wakil kami dengan pihak LPPSA sendiri, kami dimaklumkan kelewatan tersebut berlaku antara lain disebabkan oleh:

1. Tiadanya Power Attorney (Wakil Kuasa yang sah) yang boleh menandatangani dokumen pembiayaan dan gadaian / dokumen melepaskan gadaian.

2. Masih tidak ada penyelarasan antara LPPSA dan LHDN tentang status bayaran duti stem dokumen pembiayaan dan gadaian, sama ada dapat pengecualian atau tidak.

3. LPPSA masih dalam proses mendaftarkan Surat Wakil Kuasa di setiap pejabat tanah daerah & pejabat tanah galian seluruh negara.

4. Masalah urusan dalaman LPPSA untuk menaiktaraf sistem dari BPP ke LPPSA.

Mereka jangkakan semua masalah tersebut di atas akan dapat diselesaikan dalam 2 BULAN LAGI (lebih kurang bulan Mei 2016).

Jadi HartaGuam berpandangan, dengan masalah-masalah yang dihadapi di atas, jika kakitangan kerajaan hendak dapat bayaran pembiayaan perumahan dengan cepat, PEMBIAYAAN LPPSA BUKANLAH YANG TERBAIK BUAT MASA INI sehinggalah kesemua masalah di atas dapat diselesaikan sepenuhnya.

Apapun terserah kepada budi bicara dan pertimbangan anda.

Dalam masa yang sama HartaGuam juga menyeru agar LPPSA dapat mengeluarkan satu kenyataan rasmi yang lebih jelas tentang masalah sebenar yang dihadapi oleh mereka.

Bukannya sekadar keluarkan kenyataan umum yang tidak memperlihatkan masalah sebenar dan agak mengelirukan orang awam seperti di bawah.

Kredit : fb Salkukhairi Abd Sukor
#hartanahrevolusi

RAHSIA KIRAAN KEUNTUNGAN PELABUR HARTANAH

Katakan harga tanah yang dijual pada tahun 2015 di kawasan PJ oleh developer A per sq ft adalah RM600. Manakala rumah tersebut bersaiz 500sf.
RM600 x 500sf = RM 300,000.

Manakala harga tanah di kawasan sekitar (masih di kawasan PJ) pada tahun 2015 yang dijual oleh developer B per sq ft adalah sekitar RM1000-RM1200. Size rumah adalah sama iaitu 500sf.
RM1000 x 500sf = RM500,000

Sebagai pelabur hartanah, sudah semestinya kita akan membeli rumah pada developer A kerana perbezaan yang ketara sebanyak RM500k – RM300k = RM200,000k.

Dengan mengetahui perbezaan itu, kita sudah dapat keuntungan yang pertama sebaik kita membayar booking (rumah belum siap lagi).

Selepas rumah itu siap iaitu ketika VP (vacant possession) atau perkataan lain “dapat kunci “ pada tahun 2018, harga hartanah telah meningkat sebanyak 30% dari harga asal atau lebih.

Perkiraan ,
⭐Kenaikan harga per sq feat : RM600 x 30% = RM180
⭐Harga per sq feat tahun 2018 : RM600 + RM180 = RM780
✔Maka, RM780 x 500sf = RM390,000

Ini adalah harga rumah pada tahun 2018, jauh lebih rendah dari harga developer B yang menjual harga tanah pada RM1000 per sq feat.

Maka keuntungan yang kedua ialah RM390K – RM300k = RM90,000

JIka sekiranya kita jual pada harga RM390K , selepas tolak RPGT sebanyak 30%. Maka keuntungan bersih adalah sebanyak RM63K.

PERKIRAAN
Harga Beli Tahun 2015 : RM300K
Harga Jual Tahun 2018 : RM390K
Keuntungan kasar = RM90K
RPGT (30%) : 0.3 x RM90K = RM27k
Keuntungan bersih: RM90k – RM27K = RM63K

Bayangkan dalam tempoh 3 tahun anda menunggu rumah, rumah tersebut telah generate income anda sebanyak RM63K. Ini jika kita ibaratkan harga tanah naik kepada 30%. Kalau harga tanah tersebut naik kepada RM1000 per sq ft. Anda boleh kira sendiri.

❓Jadi bagaimana?Ingin tahu lebih lanjut mengenai pelaburan hartanah boleh PM saya. SEGERA!!

Don’t WAIT to buy property
Buy property and WAIT!!
#hartanahrevolusi

Hafiz Razali +6018-3115997

BELI RUMAH GUNA DUIT KWSP

“Saya nak beli rumah tapi saya tiada deposit yang cukup..”. biasa dengar ayat ini ? . Ya, Itu lah keluhan kebanyakan pembeli rumah. Hari ini mari kita belajar trick untuk membeli rumah tanpa mengeluarkan sebahagian deposit.

Membeli rumah menggunakan Kumpulan Wang Simpanan (KWSP) atau EPF sudah tidak lagi pelik di kalangan masyarakat Malaysia. Namun, persoalan yang timbul ialah bagaimana ?

Prosedur 10% deposit

Pertama sekali anda haruslah ingat bahawa beli rumah subsale atau second hand anda mestilah perlu mengeluarkan deposit sebanyak 10% sebagai pendahuluan, manakala baki 90% adalah pinjaman Bank jika anda beli menggunakan pinjaman bank. Namun, bagi sesetengan pembeli yang tidak cukup untuk mengeluarkan 10% deposit, ianya menjadi salah satu option sebagai membayar deposit. 

Namun tidak semudah itu, pilihan ini tertakhluk kepada budi bicara si penjual. Ini kerana penjual rumah berhak mendapat deposit mereka tanpa perlu menunggu masa yang lama sehingga anda mengeluarkan EPF.

Bilakah saya boleh mengeluarkan KWSP ?

Jika anda hendak membuat sesuatu pembelian rumah, 10% deposit akan dipecahkan kepada 2 bahagian.

1. Bayar 3% sebagai booking rumah.

2. Bayar 7% sebagai baki ketika menandatangani perjanjian jual beli atau SNP.

Maka lengkaplah 10% deposit anda, manakala baki 90% adalah tanggungjawab bank.

Mendahulukan 3% booking

Jika anda memilih untuk menggunakan KWSP, anda masih perlu dan wajib membayar booking rumah sebanyak 3%. Baki 7% anda boleh untuk menggunakan KWSP (atas budi bicara penjual).

Selepas anda membayar booking 3%, anda menandatangani perjanjian jual beli. Kemudian dengan bantuan peguam anda akan diberikan surat pengesahan yang menyatakan rumah tersebut boleh dipindah milik tanpa sebarang halangan atau dikenali sebagai consent letter daripada pihak berkuasa. Proses untuk mendapatkan surat tersebut mengambil masa berbulan sehingga anda boleh untuk memohon KWSP. Jadi, itulah faktor utama mengapa pilihan KWSP ini perlu mendapat persetujuan pihak penjual. Ini kerana mereka perlu tunggu berbulan lama sehingga mereka dapat deposit mereka.

Maksima pengeluaran KWSP

Berapakah jumlah maksimum saya boleh keluarkan KWSP ?

Mudah sahaja, jumlah tersebut mengikut formula seperti di bawah :

(harga jual – jumlah pinjaman) + 10% harga jual = jumlah maksima pengeluaran KWSP

Contoh rumah yang dibeli berharga RM 300K.

(RM 300k – RM270k) + RM 30k = RM 60k adalah jumlah maksima yang boleh dikeluarkan.

Maksudnya, jika anda beli rumah berharga RM300k, anda tolak (-) kan dengan jumlah pinjaman bank anda iaitu 90% x RM300k ). Jika pinjaman anda 70% maka (70% x RM300k). Kemudian, jumlah tolakan(-) tersebut di tambah(+) kan dengan 10% daripada harga jual. Jadi, (10% x RM300k) iaitu RM 30k. Maka jumlah tolak(-) RM30k tambah(+) jumlah 10% RM 30k adalah = RM 60k.

Berbalik kepada topik, bolehkah keluar KWSP untuk beli rumah ?

Jawapannya Ya. Tetapi sekurang-kurangnya mesti ada wang untuk bayar booking dan mesti mendapat persetujuan pihak penjual.

Bilakah saya boleh keluar KWSP ?.

Selepas mendapat surat consent.

Berapakah jumlah maksima saya boleh keluarkan ?.

Seperti formula, (harga jual – jumlah pinjaman) + 10% harga jual = jumlah maksima pengeluaran KWSP.

Sekian, Selamat maju jaya!

…………………………………………..

📞Hubungi Hafiz Razali +6018-3115997 jika terdapat sebarang persoalan berkaitan penjualan rumah atau pembelian rumah.

🏡Sedang mencari rumah?

💲Buat semakan pasaran terkini harga rumah anda secara percuma.

Sumber : kakipersegi.com
#hartanahrevolusi

TEKNIK MANIPULASI ASB + EPF UNTUK KURANGKAN ANSURAN LOAN RUMAH SEBANYAK 79%?

Bagaimana kita boleh beli rumah kondo RM500,000 tapi hanya bayar RM500 sebulan selama 18 tahun sahaja?

Jawapan : Gabungan teknik manipulasi ASB + EPF

NOTA: Tajuk artikel itu tidak merujuk pada hasil yang Tok dapat. Sebab itu Tok letak perkataan “boleh”. Tok tak beli pun kondominium bernilai RM500,000. Kalau korang tak suka kondo, boleh tukar kepada rumah teres. 

Tok nak kongsikan dan ulas teknik daripada individu berpengalaman dalam pelaburan ASB bernama Khairul Ezuwan. Beliau kongsikan teknik ini yang Tok rasa boleh memanfaatkan korang semua terutamanya yang dah ada ASB loan.

Beliau ada berkongsi di Facebook tentang strategi pasangan suami isteri beli rumah kondominium untuk duduk sendiri :

1) Rumah yang masih lagi dalam pembinaan (under construction).

2) Orang lain beli kondo RM500,000 kena bayar RM2400 sebulan, tapi bila korang cuma perlu bayar komitmen bulanan RM500 sahaja

3) Orang lain kena bayar selama 35 tahun, tapi korang habiskan pinjaman itu habis dalam masa 18 tahunsahaja.

4) Penjimatan kos sebanyak RM489,000 dan penjimatan tempoh pembayaran selama 17 tahun.

21 Langkah guna pelaburan ASB untuk beli rumah RM500,000 dengan nilai ansuran RM500.

Bagaimana langkah demi langkah dan pengajaran yang anda boleh ambil daripada strategi ini?

Tok akan kongsi semula langkah yang Tuan Khairul Ezuwan bagi di Facebook.

Cuma, Tok tukar nama contoh kepada nama Tok. Kenapa? Sukahati Tok lah. Dah nama pun contoh.

1) Tok Penghulu dan Makcik Jemah merupakan pasangan suami isteri. Gaji setiap seorang daripada kami adalah RM4,000 jadi jumlah pendapatan suami isteri adalah RM8000 sebulan.

2) Kami beli rumah kondominium yang masih dalam pembinaan (under construction) dan buat pinjaman rumah RM500,000. Ansuran bulanan pinjaman RM2,400 sebulan untuk 30 tahun.

3) Rumah itu akan siap dalam masa 3 tahun.

4) Selepas pinjaman rumah lulus, Tok dan Makcik Jemah terus buat pinjaman ASB sebanyak RM200,000 setiap seorang dengan komitmen bulanan RM2,400 sebulan untuk kedua-duanya.

5) Sebelum rumah kondominium Tok siap, Tok akan bayar ansuran ASB setiap bulan dan biarkan sahaja dividen setiap tahun.

6) Dalam masa masa 3 tahun, dividen compounding akan memberi nilai sebanyak RM100,000. Nilai ASB sekarang RM400,000 + RM100,000 = RM500,000.

7) Tahun berikutnya dividen setahun sekitar RM40,000.

8) Gunakan ansuran tahun pertama rumah selepas rumah siap menerusi duit KWSP akaun 2.

9) Ansuran pinjaman ASB selama setahun adalah RM29,000 (RM2,400 x 12 bulan).

10) Manakala total dividen ASB RM40,000. Maka RM40,000 – RM29,000 = RM11,000 baki dividen yang boleh diguna-pakai untuk subsidikan ansuran rumah ini.

11) Ansuran rumah kondominium pula untuk tempoh setahun adalah RM29,000. Gunakan baki RM11,000 baki dividen tadi untuk bayar ansuran rumah. Bermakna kos rumah jadi RM18,000 sahaja setahun atau RM1,500 sebulan.

12) Gunakan lagi kekuatan EPF Akaun 2 Tok Penghulu dan Makcik Jemah untuk RM6,000. Setiap orang untuk setiap tahun bermakna RM12,000. Kita boleh keluarkan duit dari akaun 2 EPF untuk gunakan sebagai ansuran perumahan (Pengeluaran EPF untuk ansuran rumah )

13) Bayaran rumah setahun tadi RM18,000 – RM12,000 = RM6,000.

14) RM6,000 bersamaan dengan RM500 sebulan.

15) Ulang semula langkah 10, 11, 12, 13 dan 14selama 16 tahun (bermula dari ansuran rumah selepas siap).

16) Baki rumah anda pada masa ini adalah RM362,000.

17) Ketika ini pinjaman ASB telah dibayar selama 19 tahun (3 tahun awal dari pinjaman rumah mula dibayar).

18) Baki pinjaman ASB sebanyak RM400,000 selepas waktu tersebut = RM148,000.

19) Apabila sijil dijual pada waktu itu, nilainya adalah RM250,000 (RM400,000 – RM148,000).

20) Baki tunai dalam akaun ASB RM100,000(compounding 3 tahun pertama) + dividen RM40,000 = RM252,000 + RM100,000 + RM40,000 = RM392,000 tunai.

21) Total nilai tunai yang Tok dapat boleh buat pembayaran penuh rumah kondominium tadi yang berbaki RM362,000. Siap ada baki lagi RM30,000.

Jangan mudah teruja, nanti menempah seksa.

Sebelum korang teruja dengan nombor-nombor besar di atas, Tok sarankan supaya tarik nafas dalam-dalam, dan cuba fahami betul-betul apa yang Khairul Ezuwan cuba sampaikan.

Nombor-nombor yang Tok kongsikan di atas mungkin nampak seksi. Tapi tanpa perancangan yang betul, sebenarnya korang mungkin menempah seksa.

Tok bukannya pakar dalam pelaburan ASB. Apa yang Tok sampaikan ini adalah daripada perkongsian individu berpengalaman menggunakan instrumen pelaburan ASB, untuk mencapai matlamat kewangan.

Banyak dia sentuh bab buat pinjaman. Iaitu tindakan yang melibatkan emosi dan risiko yang tinggi. Korang juga kena ambil kira beberapa faktor-faktor berikut :

a. Kenaikan BLR atau BR – BLR atau BR kekal seperti sekarang dan tidak naik mencanak. Kenaikan dalam BLR akan menyebabkan ansuran bulanan rumah korang naik dan pulangan bersih dividen ASB korang jatuh. Kalau BLR naik, korang memang akan kena topup untuk buat ansuran bulanan rumah tersebut.

b. Pulangan ASB – Pulangan ASB tiap tiap tahun kekal sepeti sekarang dan tidak jatuh. Kena ada disiplin yang tinggi untuk pastikan korang tak guna dividen untuk joli-katak setiap kali dapat duit dividen dari ASB.

c. Polisi pengeluaran EPF – Pengeluaran EPF untuk pembayaran ansuran hartanah terus kekal dibolehkan.

d. Tiada ketirisan –  ASB terus kekal telus dan bagus dalam pengurusannya dan tidak tersalah beli tanah atau kondo di Australia tanpa tahu market value bangunan tersebut.

e. Komitment bulanan disebabkan oleh ASB loan –Kepada yang belum buat ASB loan, korang juga perlu ambil kira kemungkinan korang susah nak dapat loan hartanah disebabkan adanya loan ASB ini. Bukan mustahil, tetapi bila dah ada ASB loan korang kena ada ilmu tambahan untuk pastikan loan hartanah korang lulus. Baca perkongsian mamat Faizul Ridzuan di FB beliau berkenaan perkara ini dan baca semua komen-komen nya sekali : Pinjaman ASB – Apa yang anda perlu tahu

Pesan terakhir Tok untuk artikel ini,

“JANGAN KERANA ORANG LAIN BERJAYA BUAT, KITA PUN AKAN KITA MESTI AKAN BERJAYA SAMA SEPERTI MEREKA.”

Tuan Khairul Ezuwan sendiri cakap, teknik ini hanya sesuai untuk individu yang sanggup berkorban, mempunyai disiplin kewangan yang tinggi dan boleh menguruskan emosi dengan baik.

Kredit : gilahartanah.com
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