Kadar pembiayaan rumah kekal 90% hanya untuk RUMAH PERTAMA dan RUMAH KEDUA

Utusan Malaysia
22/09/10

KUALA LUMPUR 21 Sept. - Bagi memastikan golongan muda dan berpendapatan rendah mampu memiliki rumah sendiri, kerajaan membuat keputusan untuk mengekalkan pembiayaan rumah kepada 90 peratus.Perdana Menteri, Datuk Seri Najib Tun Razak berkata, kadar pembiayaan rumah itu kekal untuk pembelian bagi rumah pertama dan kedua sahaja.

Beliau berkata, kerajaan juga tidak berhasrat mengurangkan kadar pinjaman perumahan daripada 90 peratus kepada 80 peratus pada masa ini."Bagi pembeli yang sudah memiliki beberapa buah rumah dan berhasrat untuk membeli rumah lagi, kemungkinan jumlah pinjaman akan dikurangkan kepada 80 peratus sebagaimana dicadangkan," katanya kepada pemberita selepas mendengar taklimat Lembaga Pengarah Bank Negara Malaysia (BNM) di sini, hari ini.

Beliau berkata demikian bagi mengulas cadangan BNM yang mahu mengkaji semula cadangan supaya bank-bank tempatan mengurangkan pinjaman perumahan daripada 90 peratus kepada 80 peratus.Namun, cadangan itu mendapat bantahan daripada beberapa pertubuhan bukan kerajaan (NGO) yang melihat ia akan menjejaskan peluang golongan muda untuk memiliki rumah.

Malah, ada gesaan supaya BNM menangguhkan cadangan menurunkan nisbah pinjaman berbanding nilai (LVR) pajakan sesuatu hartanah kepada 80 peratus. Dalam pada itu, Perdana Menteri berkata, kerajaan mengambil sikap terbuka berkenaan cadangan untuk membenarkan ringgit diniagakan di luar pesisir, 12 tahun selepas ia dihentikan. Ringgit kini diniagakan pada paras tinggi dalam tempoh 13 tahun pada RM3.10 berbanding dolar Amerika Syarikat.

"Ringgit kita mengukuh seiring dengan asas-asas ekonomi yang menggalakkan dan ini tidak menyebabkan sebarang kesan teruk pada perdagangan dan pelaburan ke Malaysia," kata Najib. Beliau berkata, kerajaan akan mengambil beberapa langkah serta mengkaji secara mendalam sebelum rancangan ringgit diniagakan. Katanya, kerajaan sentiasa berhati-hati dengan langkah tersebut agar kesan krisis kewangan 1997 tidak berulang di samping menjejaskan nilai ringgit yang dilihat begitu kukuh ketika ini.

P/S : Mcm mana nak beli rumah ketiga, keempat dan seterusnya??? Penat nak kumpul downpayment 20% tuh......

Investment Opportunity in Cyberjaya

Is it worth it to buy? You do the Math....

 

Wish to own properties in Cyberjaya....

50% picked property if have RM1 million

Almost 50% of the 1,211 respondents picked properties as the number one item that they would buy if they had RM1 million. For this group, they are in good company. Datuk Tony Fernandes, the group CEO of Air Asia Bhd, was once asked the same question 5 years ago by a leading Malaysian business magazine. His answer? Apart from Air Asia shares, he would definitely invest in property and unit trusts.
“With property, I feel you can never go wrong as long as you buy in the right area,” he was quoted to have said.

The rest of the results were unsurprising. With lingering reservations on the economy, not many would want to venture into a new business, nor even invest in shares, bonds, REITs, life insurance or unit trusts. Fixed deposits were the least favoured by the respondents.

Interestingly, 9% or 106 respondents expressed a desire to emigrate. Again, it’s hardly surprising given that the brain drain is still ongoing since the last few years when our economy dipped. Although, it’s on a recovery trend, some may have had enough already.

Almost 200 respondents or 17% were leery of the RM1 million figure given. And why not? With many property prices straddling the RM1 million figure, the vast majority have been priced out of choice properties in prime locations. The message is clear: Property prices are running ahead of average incomes. This group awaits Malaysia’s Transformation into a High Income Economy with bated breath.

If you have RM1 million cold cash to invest, how would you spend it?

Article from : http://www.iproperty.com.my/news/2400/50-picked-property-if-have-RM1-million-

Penjamin Juga Boleh Diisytihar Bankrap

mStar Online
Oleh IWAN SHU-ASWAD SHUAIB

RAKYAT Malaysia yang menjadi penjamin juga boleh diisytiharkan bankrap sekiranya terdapat perintah mahkamah terhadap peminjam utama yang gagal melunaskan hutang.Ketua Pengarah Jabatan Insolvensi Malaysia, Datuk Abdul Karim Abdul Jalil berkata, ia mungkin sukar dipercayai namun itulah hakikatnya menyebabkan banyak pihak terus mempersalahkan jabatan itu.

Menurut beliau, timbul suara tidak puas hati mengatakan Jabatan Insolvensi Malaysia bertindak zalim kerana turut memusnahkan kehidupan mereka yang tidak berhutang.“Perlu diperjelaskan bahawa kami tidak membankrapkan mereka dan sebagai penjamin, mereka sepatutnya bertanggungjawab ke atas jaminan itu.

“Jika peminjam utama gagal membayar hutang maka penjamin perlu mengambil alih tanggungjawab itu,” katanya kepada Mingguan mStar.Dari tahun 2005 sehingga Jun tahun ini, seramai 81,908 individu diisytiharkan bankrap membabitkan jumlah hutang RM71.36 bilion.

Daripada jumlah tersebut, 4.66 peratus merupakan penjamin sosial manakala penjamin korporat 5.32 peratus.

Abdul Karim berkata, isu penjamin diisytiharkan bankrap menimbulkan pelbagai reaksi dan kekecohan kerana menyifatkan tindakan itu tidak adil.Bagaimanapun katanya, kedudukan penjamin dipinda menerusi Akta Kebankrapan 1967 pada tahun 2003 telah mewujudkan perbezaan antara peminjam utama dan penjamin.

“Pindaan telah menjelaskan bahawa pemiutang tidak boleh mengenakan tindakan undang-undang terhadap penjamin secara terus kecuali boleh dibuktikan di mahkamah membabitkan hutang peminjam utama,” ujarnya.Menurut beliau, Jabatan Insolvensi Malaysia turut mempunyai budi bicara bagi membantu penjamin keluar daripada status kebankrapan dengan persetujuan pemiutang.

Tambahnya lagi, rundingan bukan saja membabitkan permohonan pelepasan kebankrapan malah jumlah bayaran hutang yang perlu dijelaskan atau dividen.Justeru, beliau menasihatkan orang ramai supaya tidak mudah menjadi penjamin dan mengambil langkah berhati-hati.

“Paling penting, kita perlu tahu kemampuan untuk menjadi penjamin, mengenali siapa yang mahu berhutang dan keupayaannya untuk membuat bayaran. “Jangan menjamin seseorang itu atas dasar kasihan kerana kesannya kelak tidak akan mengasihani kita. Buat keputusan dengan bijak,” kata Abdul Karim.

Learn How to become a Multi-Millionaire in Property Investment

This is guest post by Mr.Milan Doshi, Financial Trainer and Best Selling Author of “How You Can Become a Multi-Millionaire Real Estate Investor!”.

Do You Know more than 90 percent of World’s Millionaire either Made or Parked their Money in Properties? It is a fact that Properties Investment provide an Excellent Financial Leverage!

1) Why choose Property Investing as a main Investment Vehicle when there many Exotic Investment Option out there like Stock, FOREX, Option, Gold, Land Banking etc?

Unfortunately there is no “perfect” investment that gives you the best of everything. Each investment vehicle have their plus and minus points. Hence, there are No Right or Wrong investments. You need to know what is available out there and find the right investment vehicle that suits your unique investment profile. I choose Properties to be my main investment vehicle as real estate is able to provide Great Financial Leverage. You only need to come out with a small down payment in order to own 100% of an asset because the banks are willing to lend money for the property purchases. Your chances of becoming rich via Properties is Slow, Steady and Surer compared to other Volatile Investment like Stocks, FOREX, Options, etc. One year from now, you can estimate up to 95% accuracy your Net Worth (ie Assets less Liabilities) in Property Investments. In other investments, you will be unable to do so. Your investments may be up by or down by 50% or more.

“If you think education is expensive, try ignorance” -Derek Bok
 
 
2) How to get start in Property Investment?

First, get the Knowledge by Reading Property Investment Books and Invest in Property Investment Seminars. Just by doing these two things alone, you will be far Great ahead compares to people who do it via the more costly Trial and Error method. However knowledge alone will be any Good if you do not take ACTION! It’s good to start off with Low or Medium Cost Apartment to get the experience before going for higher end properties. The first few property purchases are usually the most challenging as there is a lot of learning taking place. The good news is that things become easier and easier in property investments. Subsequent purchases become very easy and you can literally buy with your eyes closed once you have purchased more than 10 properties.

3) What Are the Investment Formula or Strategies To be Use?

There are more than Ten Investment Strategies like Buying from Developer, Buying for Rental Returns or Capital Appreciation, Property Flipping, Commercial Property Investing, Auctions, etc. Based on your Unique Investment Profile, pick maximum three Investment Strategies and specialize in those three areas.

The Key here is Focus.


4) What is Zero Down Property Investment?

It simply mean Buy with little or zero money. In another word, take out little Capital and Borrow to the maximum

5) Do Zero Down Property Investment Exist?

YES


6) How the Zero Down Property Investment is Possible and do you have any Real life Case Study?


Read my book called “How You Can Become a Multi-Millionaire Real Estate Investor!” I have entire chapter dedicated to this topic.


7) What skill are needed to be successful in Zero Down Property Investment?

•Negotiation skill

•Ability to look up for not just Good but Great deals

•Very close and in touch with the current Property Market

•The most important is Patience. Only One out of ten properties could qualify for this Zero Down Property Investment method.


8.) Is the Negotiation skill an Inborn skill?

Almost everything can be learn and nothing is inborn. In short, all Skills are learnable!


9) What is your advice to those who are Weak in the Negotiation skill ?

Read books on Sales, Neuro-linguistic programming (NLP) and Negotiation. Other Highly recommended books to read are “How to Win Friends and Influence People” by Dale Carnegie and “Personality Plus” by Florence Littauer

10) Do you encourage to buy Uncompleted properties(buying from developer)?

As an investor, your Goal is to have Minimum Risk with Maximum Return. As long as the developer is reputable, the location is good and the property fairly priced, why not? I have even encountered some occasions where the developer made a mistake in pricing in my opinion.

11) Is having a Supportive Spouse Important in Property Investment?

There is a saying that two heads are better than one. Having a Supportive Spouse or Partner is a huge plus Point as Property Investment involves Risk and Financial Capital. Besides your spouse or partner, always mix with the other like-minded investors as your Property Investment journey can be very Slow and Boring. With investment buddies, you can Challenge or Push one with another to make your Property Investment journey more fun.

12) What are sacrifices are needed in Property Investment?

Top of the list will be Delayed Gratification because you need to Save in order to get the Investment Capital for property investments. Savings can only come by spending less or earning more.


13) What is your advice on Getting Bank Loan?

Bank Loans are given based on Your Earning Ability and Good Track record. All your credit application and late payments for credit cards, car and housing loans are recorded in the Central Credit Reference Information System (CCRIS). If possible, get into professions where your Earning Potential is Unlimited like Sales/Marketing, Trading and doing your own Business. This will make it easier to borrow more money from the banks.


14) What is your advice to those who want to achieve Financial Freedom?

•Keep Investing and Improving yourself.

•Take ACTION!

•Do not be afraid to Make Mistakes

•Network with Right Minded Peoples

•Earn and Save as much as Possible

•Invest Wisely as much as you can.
 
 
P/S : This article is originated from http://www.alantanblog.com/property/learn-how-to-become-a-multi-millionaire-in-property-investment-milan-doshi.html

Banking loan growth remains strong: MIMB

News

Loan growth in the Malaysian banking sector remains strong, despite an increase in the base lending rate (BLR) and average lending rate (ALR) recently, according to a research house. MIMB Investment Bank said the gross banking system’s outstanding loans were higher in April this year with loans applied and loans approved, increasing compared to previously across both business and household sectors.

 

"For household loans, the demand to purchase residential property rose 10.7 per cent year on year (YoY) and that for personal use increased 19.5 per cent," it said in a research note today.Bank Negara Malaysia (BNM) raised the overnight policy rate (OPR) for the second time last month by another 25 basis points to 2.5 per cent, in another move to normalise the monetary condition. The research house said the total loan in the banking system grew 10.0 per cent YoY in April this year vis-a-vis the 9.8 per cent in March.

It said the growth was in-line with its 2010 total loan growth forecast of 9.9 per cent on the back of the higher end, real gross domestic product (GDP) growth estimate of 5.9 per cent. However, MIMB did not rule out that such strong loan growth, despite the interest rate hike, could be due to an attractive loan pricing offered by banks given the underlying keen competition. "This can be seen in the narrower estimated interest spread of banks that has not improved in tandem with a higher ALR. The estimated interest spread of banks declined 17 basis points (bps) to 2.65 per cent from 2.82 per cent in Febrary 2010," it said.

On the OPR, the research house said: "It is not a surprise to see the OPR increase further as it is still at the lower-end of the historical range since end-2004." It said the average OPR was approximately at 3.0 per cent, 50 bps higher from the current level but the central bank might pause the hike due to the sovereign debt problems in Europe. MIMB said BNM is likely to maintain the OPR at the current level in the forthcoming Monetary Policy Committee (MPC) meeting in July.

Bernama

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