Kelebihan Malam Nisfu Sya'aban

Malam Nisfu Sya'aban 1431H akan tiba pada hari Isnin (26hb.Julai 2010) malam Selasa ( sebaik saja masuk maghrib), dimana bermulanya 15 Sya'aban 1431H. Oleh itu, marilah kita sama-sama mengambil masa keemasan ini untuk menutup catatan amal ibadah kita kpd Allah dengan baik dan seterusnya berazam untuk

memperbaiki diri kita untuk catatan yang baru. Riwayat yang muktabar menyatakan Hari Nisfu Sya'aban adalah hari dimana buku catatan amalan kita selama setahun diangkat ke langit dan diganti dengan buku

catatan yang baru. Berikut adalah antara amal ibadah yang digalakkan di hari Nisfu Sya'aban:

1. Selepas solat maghrib (15 Sya'aban 1431H, Isnin malam Selasa)

Solat sunat nisfu sya'aban, 2 rakaat
Rakaat 1 : baca Al-Fatihah & surah Al-Qadar 1x
Rakaat 2 : baca Al-Fatihah & surah Al-Ikhlas 3x


2. Membaca Yasin 3x selepas solat Maghrib(15 Sya'aban 1431H, Isnin malam Selasa)
i) Selepas Yasin pertama : mohon dipanjangkan umur untuk beribadat kepada Allah
ii) Selepas Yasin kedua : mohon rezeki yang halal untuk beribadat kepada Allah
iii) Selepas Yasin ketiga : mohon ditetapkan iman dan Islam & mati di dalam iman & pohonlah segala yang baik dan munafaat.

Kemudian baca Istighfar 11x & selawat 11x. Baca doa Nisfu Sya'aban (ada didalam Yasin Majmuk)

3. Baca surah al-Ikhlas 1000x

4. Berpuasa pada siangnya)

Abul Khair Al Talaqaani r.a. mengira nama2 malam Nisfu Syaaban sebanyak 22.

Antaranya yg termasyhur adalah:

1. Malam Dimustajabkan Doa
2. Malam Pembahagian Takdir
3. Malam Rahmat
4. Malam Berkat
5. Malam Pengampunan (Taubat)
6. Malam Penebusan
7. Malam Syafaat
8. Malam Penulisan
9. Malam Keagungan dan Kemuliaan
10. Malam Rezeki
11. Malam Hari Raya Para Malaikat
12. Malam Penghidupan

Antara kelebihan bulan Sya'aban:

1. Sesiapa berpuasa sehari dalam bulan Sya'aban maka Allah haramkan tubuhnya dari api neraka dan dia akan menjadi teman kpd nabi Allah Yusof d ida lam syurga.

2. Riwayat dari Osman Bin Abi Al-As, Sabda Nabi Muhammad (saw) : pada malam nisfu sya'aban setelah berlalu 1/3 malamnya, Allah turun ke langit dunia lalu berfirman : adakah orang-orang yang meminta maka Aku perkenankan permintannya, adakah orang yang meminta ampun maka aku ampunkannya, adakah orang yang bertaubat maka aku terima taubatnya dan diampunkan semua orang mukmin lelaki & perempuan , melainkan orang yang berz ina atau orang yang berdendam marah hatinya kepada saudaranya. Sebaik-baiknya minta ampun dengan ibubapa sebelum hari nisfu sya'aban kerana amalan kita akan terhalang dari diangkat ke langit sekiranya kita derhaka/berdosa dengan ibubapa kita.

Wallahua'alam

My Latest Project....Mentari Court Apartment

This is my latest project. Alhamdullilah LO already signed and proceed with SNP...
Why I decided to purchased this house???

1) Location ===> Very..very..very..strategic
2) Purchased price ===> Below market value
3) Ready with tenant ===> Unitar student.
4) Demand ===> Very..very..very..high
5) House condition ===> Grilled with fully tiles.
6) Loan ===> 100% loan with good rates BLR-1.8%
7) Deposit ===> Only RM2k no need to pay 10%

Wooow...This is a good deal that difficult for me to resist.. Below are few pics that i manage to snap during site visit...

Unit at Block B located nearest to Kurnia's building. My tenant's class located there.

KTM komuter station is nearby

Playground for kids

Badminton Court

Swimming pool for all

Covered Parking "Pay for Service"

Rows of bikes...

Later I will share estimation of ROI for this investment.

100% Housing Loan???? Believe It or Not....

I plan to buy a property of rm200K++ but i dont have a lot of cash to pay the deposit. Is it possible to get 100% loan?

hm.. i think today i want to share the answer for this question. The answer depends whether it is a subsale unit or a new project.

If it is Subsale:

For subsale unit, anyhow, you need to pay the 10% deposit that is rm20K. if you dont have enough, try borrow from your father, mother, siblings, friend who trust you or even your boss. Promise them to pay them within 6 months - 9 months after your loan disbursed.

Then, you need to find a property offered below market value. let say you find a property to be sold at 180K but market value 200K. Then if the seller agree, mark up the price in the snp to be higher as long as not higher than market value.

So let say we put 200K in snp and you pay rm20K for the deposit. Then apply bank loan based on 200k price

90% loan from 200K = 180K loan

Since the real price of the property is only 180K, this means you get 100% loan for the house.

However, since you already pay 20k, the balance to be paid to the seller is only 160K

So your lawyer will refund back the extra 2oK from the loan to you, minus the legal fee and stamp duty to be paid to them maybe about 4k- 5k, depending you get discount on the stamp duty or not. But there are cases whereby buyer can kawtim with seller to pay less than 10% depends on how good your relationship with the seller or how desperate the seller to sell the property but dont have any other buyer except you.

For New Project:

It is possible since some developer offers rebates and discounts. Try get a project whereby the developer will put the price in the snp based on price before discount. Then you will get 90% loan from the undiscounted price then, after minus all the discounts and rebate, the 10% deposit will be almost covered.

At the end you will be required to only pay a small amount of deposit, depending on the package.

I have found projects which at the end you only need to pay rm2k for the deposit and that's all.

p/s : The article was taken from http://rohaniahnoor.blogspot.com

I Got Free Entry To "The Donald Trumph Way"

Just got confirmation email from AZEA personal coaching on my Free entry to Property Investment Strategies "The Donald Trumph Way" This will be my first time to attend property investment talk. Looking forward to gain knowledge and info on property investment as much as possible.

For those who have received your FREE tickets please take note that that venue has changed from level 6th to level 12th. See you there...

Do You Want To Be Someone Like Donald Trump??? Grab this Opportunity.

Grab your seat now...... Free for Iproperty members...

Latest Update On Taman Medan Cahaya

Good news that I awaited for so longgggggg…..


Received a phone call from my lawyer and she requested all receipts related to Taman Medan Cahaya Case. Bank A requested it and I believed we are the winning team. Hopefully all the losses are well covered and everyone is happy ever after.

I remembered last week when Miss J told me if this case still not as our expectation, she will bring up this matter to CEO of Bank Negara and she will asked her freinds from newspaper to write a report on discrepency done by Bank A. Wow...that is something that i'm not thinking off...

I hope I'm not going thru all that process..." Finger Cross"

DESA MENTARI LOW COST APARTMENT..Problem continues...

Problem....Masalah...Problemssss.......

Below are the chronology of headache and blunders happened until today...



1st JANUARY 2010


A letter from my lawyer to the Desa Mentari's Owner

17th FEBRUARY 2010


A letter from my lawyer to inform Bank A's lawyer that I already proceed with housing loan and request for extension.

18th MARCH 2010


A letter from my lawyer to Bank B (Loan Application) to inform they act on my behalf.

18th MARCH 2010


A letter from my lawyer to Jabatan Galian dan Tanah for "Permohonan Memasukkan Caveat"

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25th MARCH 2010

A letter from my lawyer to Desa Mentari's lawyer on follow up of extension status.

 m

31st MARCH 2010


A Request to Lembaga Peruahan & Hartanah Selangor for a name Transfer

25th MEI 2010

First auction unit that I won on 29th October 2009 still in huge mess..... I decided to drag Bank Negara as a middle man and let my lawyer and Bank A's lawyer arguing each other...

Corporate Communications Department

Bank Negara Malaysia

P.O. Box 10922

50929 Kuala Lumpur

To Whom It May Concern

I would like to file a complaint on discrepancy caused by Bank A on auction of low cost apartment in Taman Medan. I am deeply regret and disappointed with Bank A instruction to terminate Proclamation of Sale dated 29.10.2009. All the dream, hard work, time and money are wasted. I did understand I need to settle everything within 120 days after POS date. I did talk to the owner and mentioned that I'm will take over the house. They denied my rights they will never let go the house and even threaten to report to SPRM.

After almost two months the owner didn't feedback on how to moving forward, I decided to apply for housing loan. My Bank B housing loan approved and I leave the rest to my lawyer A. Due to wrongly info stated on Bank B letter of offer, my lawyer did apply for 3 weeks extension to Bank A dated 17th February 2010. Then they apply for transfer of name and put a personal caveat on that unit. If I'm not mistaken on 20th April 2010 I did call up someone name Mr. S from Bank A on status of extension? He did reply his boss agreed to accept current owner proposal to take over the house. My question is why he didn't feedback earlier??? or at least reply the letter of extension that my lawyer send dated 17th February 2010 and 25th March 2010. Why after I called him up the bad news spill out.

After that telephone conversation with Mr. S, I'm straightly contact my lawyer to seek the truth behind all of this. I am regret that despite my attempts to settle the transaction, Bank A decided to terminate the POS. The transaction is 90% .completed but only pending release of financing amount to Bank A. Only one document is pending which is again the extension letter from Bank A. I want to ask Bank A, Are there any untold stories between BSN and the current owner which result to unfair decision to my side???

Therefore, I would like to seek for Bank Negara attention to settle this matter as soon as possible. As this matter has been delayed for far too long unnecessarily, and if this transaction has to be aborted due to Bank A or solicitor to act in a professional, ethical and efficient manner, I want to claim all my loss. Please find attached documents to support my complaint. I also will send the hard copy to respective recipient.

Thank You.

Yours truthly

(FIRDAUS BIN KHALID)

4th JUNE2010

Bank Negara revert on instruction to Bank A to investigate my case

 

2nd JUNE 2010

BSN reply to Bank Negara and to me.... Pantas tul...

14 JUNE 2010

Bank A's lawyer send a warning letter to me. (Hang ingat aku takut???... Lawan tetap lawan...)

 

To be Continued.....