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Tuesday, October 18, 2005

Artikel : Guide for buying house(s)

First-time Buyer?

If you are buying a house for the first time, the whole process of signing the Sale and Purchase agreement, dealing with solicitors, legal fees and stamp duty can be confusing. Here is a guide to some of the costs involved in buying a home.

How Much Can You Afford?

> A good rule to follow is, your monthly loan instalments and current commitments (example: car loan, personal loan) should not exceed one-third of your monthly salary.

> Use our loan calculator to estimate how much you can borrow, how much you will have to pay, and for how many years.

> Don't be tempted to over-commit yourself financially. You will have emergencies or if interest rates rise, you may have problems making payments.

Fixed or Conventional Rates

> A fixed interest rate home loan promises fixed instalments throughout the loan tenure. It offers stability against fluctuating financing costs and ease of planning your monthly financial commitments.

> A conventional loan with variable interest rates may suit those who want to take advantage of features such as overdraft facilities and so on.

Down Payment

> You generally have to pay a booking or earnest fee of 2%-3% of the purchase price. This is non-refundable, so decide carefully before paying.

> The bank usually finances up to 90% of the price of the property. You must have at least 10% in cash for the down payment.

> Don't forget that you can withdraw a limited amount from your EPF (Account 2) for your down payment.

Sale and Purchase Agreement

> Upon signing the Sales and Purchase agreement, you pay another 7%-8% of the purchase price, bringing the total down payment to 10% of the purchase price.

> After that, you usually have 3 + 1 month (i.e. 3 months to pay up the balance or secure financing and a 1-month extension which is subject to 10% per annum interest on the balance due).

> If you are buying a property under construction...

The developer generally appoints a lawyer to draw up the Sale and Purchase agreement. The bank will deal with the developer to make progressive payments on your behalf.

> If you are buying a completed property...

You need to engage a lawyer to advise and act on your behalf when signing the Sale and Purchase Agreement and making payments, until the transaction is completed.

Insurance

You have to purchase Mortgage Reducing Term Assurance or MRTA, which ensures your home will be paid for in full should anything happen to you.

> The one-off premium payment is generally computed on the age of the borrower(s), loan amount, tenure and interest rate.

> It can be paid in cash up front or included in your loan to minimise the initial cash outlay required.

Fire/House Owners Insurance policy is compulsory to protect your property against damage. Should a mishap occur, your insurance payments may be used to minimise losses.

> The premium is payable annually.

Stamp duty and legal fees

> Be prepared to pay stamp duties and legal fees for your Sale and Purchase Agreement and Loan Agreement.

Some bank is offering to absorb all legal fees including stamp duty pertaining to the Loan Agreement for financing purchase of completed properties. They may also offering to absorb all legal fees except stamp duty pertaining to the Loan Agreement for financing purchase of properties under construction.

Monthly instalments

> Ensure you pay on time to avoid late payment charges.

> If you miss several payments, you risk losing your home.

Finally, when you get the keys to your home you will have to pay...
> Monthly service charges (if you own an apartment)

> Deposits for utilities -- TNB, JBA, Indah Water and telephone

> Assessment (twice a year)

> Quit rent (annually)

Now you're ready to take the big leap and become the proud owner of your very own home!

firul says
"got this from a friend...share it here..found it really informative and i think berguna la to sesaper wanna beli umah :)"

posted by PuTERAKL @ 8:48 AM   |
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Thursday, October 13, 2005

Tazkirah : Solat Tahajjud Selepas Solat Witir ?

SOALAN:

Saya mempunyai kemusykilan berkaitan solat witir selepas mengerjakan terawih. Seperti yang saya fahami Witir itu adalah penutup segala solat. Justeru setelah selesai mengerjakan terawih di masjid biasanya kita akan meneruskan dengan witir. Maka sempena bulan ramadan ini saya berazam untuk bertahajud dan membuat solat hajat di tengah malam namun saya telah mengerjakan solat witir selepas terawih di masjid. Adakah solat sunat saya ditengah malam itu dikira sah atau diterima amat mengelirukan saya. Bolehkah ustaz menerangkan kemusykilan saya ini.

Sekian terima kasih.


Wa'alaikumsalaam Wr Wb

JAWAPAN:

Inilah yg ramai orang keliru, keliru besar, baguslah saudari tanya. Kalau selepas kerjakan witir immediately selepas tarawih,kemudian pada masa tahajjud saudari hendak solat malam, saudari kena "membuka" semua solat sunnat yang sudah ditutup.

Kalau tak buka, maka sesia sahaja lah solat sunnat malam saudari. Sebab witir dah tutup "acara" solat sunnat kita sepanjang hari.

Ini adalah satu masalah yg sepatutnya dihuraikan oleh imam-imam atau ustadz-ustadz yg melakukan solat tarawih, malang tidak.

Cara membukanya ialah dengan pertama sekali saudari solat 1 rakaat mutlaq atau dengan niat untuk "membuka atau membatal" witir yang sudah dilakukan.
"Membatal atau membuka" semula solat sunnat tidak bererti solat witir saudari semasa selepas tarawih tiada pahala, ada,dont worry.

Jangan risau pasal niat, niat itu gerak hati, just lakukan 1 rakaat sunnat mutlaq, kerana niat saudari untuk buka semula solat sunnat.

Selepas solat 1 rakaat, kemudian boleh saudari solat tahajjud berapa banyak yang mampu, kemudian saudari tutup semula solat malam tadi dengan solat witir, solat witir paling sedikit satu rakaat dan paling banyak 11 rakaat.

Sampaikanlah kepada mereka yang tak tahu atau masih jahil tentang masalah ini.

Satu lagi masalah ialah orang yg tidak solat ba'diah Isyak tetapi tunggu solat tarawih atau nak buat solat tarawih.

Perlu diingatkan bahawa solat 2 rakaat ba'diah (selepas) Isyak adalah rawatib muakkadah, yakni Nabi S.A.W. tidak pernah tinggalkan hatta dalam peperangan atau musafir, apatah lagi mukim.

Menurut ulama, 2 rakaat ba'diah Isyak lebih pahala dari 8 atau 20 atau 36 rakaat tarawih, sebab solat tarawih adalah tidak muakkadad.

Bersama-sama lah kita beramal bersesuain dengan ilmu dan sunnah Nabi S.A.W.

Harap maklum.

Wassalam.

firul says
"hm.. aku berani bet aa ramai orang tak tau pasal bender nih :)... haha.. betui kan ?... Selamat Berbuka... but bagi yang puasa ajer la ek.. :)"

posted by PuTERAKL @ 1:27 PM   |
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Wednesday, October 05, 2005

Greetings : Selamat Menyambut Ramadhan




firul says
"Assalamualaikum wbt.....sorry yer lama aku tak update this blog :( ... sedih weh... hu hu hu... paperhal pon, Selamat Menyambut Ramadhan nih... semoga aper yg kiter lakukan pada Ramadhan ini, lebih baik dari Ramadhan yang pernah kiter lalui sebelum nih.. "

posted by PuTERAKL @ 5:49 PM   |
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