Відео

Hi Neoh, yes if there is a need for movement of big furniture or items, usually condo management will charge a moving in out fee. However, mostly are deposits. Meaning you take it back after. But also depends on condo, different condo might have different arrangement. Usually wouldnt cost much. A few hundred? Maybe you can check with the specific condominium for their arrangement ;) Hope it helps !

Hi Lew, yes at certain times, government have some incentives or campaign to help up buyers. But usually [ that depends on when you purchase the property ] . Perhaps i can give you an example. I have a property of my own which i bought during pre-launching. [ i think was 2018] . at that point, there is no such thing as MOT waiver, we have to bare it. But the construction property continues till 2020~ where that time, government announced HOC Campaign. So some buyers bought it during that time, and it is entitled. Fast forward today, my property is ready, and we have to transfer the title. For the same condo, i have to pay for MOT, while ppl who bought during the HOC Campaign- dont have to. So it depends when you purchase the property, and stamped and what was the regulation/campaign during that time. As for current news, there isnt any implementation yet. Even if there is , most likely just like before, it is for buyers who purchased at this point of time, Hope this helps Lew ;)

@@jenthangchannel3495 Thanks Jen for the details explanation and the real study cases. Really appreciated. I like the video as well. Hope can see more of your video! 💪

@@gingerlew513 thanks for having me too !

Hi Thanks Evelyn ~ yes it does. but also do remember to communicate with the mortgage banker before you do so. :)

Hi Benny, i see. full Flexi is always with current account. Sometimes banks may separate into 2 accounts hence it is not full flexi. You might need to ask your banker why is it so. ;)

@@jenthangchannel3495 hi jen good day thanks for the information. ok noted. i will try to ask banker why like that. However from my currently right now for the house loan they separate into 2 account call: My1 Full Flexi Home Loan.

@@bennylee6394 most welcome Benny . Glad it helps!

hi Jason. Thanks for feedback. So if you were to buy using cash, yes you are right the cash payment comes first . Then when the loan part comes in, the progressive interest kick starts. progressive interest for that percentage of the stage. Example : Your loan kicks in Stage 2B . Once they completed 10%, bank will imburse 10% right, our progressive interest calculate based on this 10% . And you are right, you start paying progressive interest later than the rest. Coz the initial part you paying cash, no loan from bank the 30%, so no need pay interest =) Hope this helps ! =)

Hi Ahmad Faiz ~ The MOT is charged based on the value of the property. Which is the SPA [ Sales and Purchase Agreement Price ] =)

@@jenthangchannel3495 Thank you for the answer and the video was very insightful. Continuous support from me. Warm wishes,

@@ahmadfaizabdshukor4873 Most welcome Faiz ~ =)

Hi Dehanie Venture. Yes you can, but it depends on the bank actually. You can go and check from your bank branch on this one. However, nowadays all flexi loan already ya.

yes =)

HI JT, sorry for the late. I missed out. The monthly payment that we are paying every month is actually divided into 2 portion. Part of your monthly payment will go into paying your interest, and the other portion,, will be used to pay off you principal. So you actually paying both. However, Majority of the portion goes to the interest first. And as time pass, your principal amount reduces, hence interest reduce, and over time, the month payment you are paying is used to pay off the principal instead. In short, initially , big portion goes to serving the interest. You can check out how this work by searching for "Amortization table for property loan ". Let me see if i got the chance to do a video on this. ;) Hope this helps!

Terima kasih ! Stay safe ya ~

Yes usually Stage 3 is ready for collection

@@jenthangchannel3495 wow i din expect ur fast reply. Anyway thank u so much,ur answer really made may day. I hope my unit will vp soon. Completed up to 2 (g) already. And ur video is awesome. I get to check the progressive payment just to ensure the charges are in line with the estimation. Have a nice day💯👍😁

@@asyrafnora3388 most welcome ! Have a great day too stay safe ! ;)

Hi. This should be the SPA Price. So the concept is like this - if you look into the progressive schedule. Assuming if i buy the property using cash. [cash buyer ] So let's say property price [ SPA. ] = RM 500k - it will start off with SPA Signing - 10% Downpayment. Then Stage 2A : 10% And etc.. So each of this stage i pay 10% of the property price. [ SPA Value ] , right? which is upon signing RM 50k, Stage 2 A RM 50k [ because it is 10% of SPA Value ] But now... i am applying loan from the bank. During SPA Signing, we pay 10% Downpayment. Assuming that it is a 90% loan, Stage 2A will be covered by the bank - So the bank will pay 10% on behalf of the buyer, to the developer [ which is 10% x RM 500k (SPA)] . *And me as the buyer, will pay the interest of the RM 50k. That is why the formula of : % completion X SPA Value X Interest Rate X 30 days / 365 This is a general guideline. Hope this helps~ ;)

Thank you Ji Lam. ;)

Hi Chris! First of all i would like to apologize for the SUPER 7 months late reply as i have been focusing more on Facebook Channel - Starting to shift to youtube now - just saw your message. 1. yes, if it is 30% - yeah you got to use 30% -your progreesive interest starts with higher amount as compared to the total new projects 2. No. 2 - you. mean the interest rate- it follows and fluctuates the current rate as well. So like right now, interest rate drops, then your interest percentage will drop as well. Hope that helps . once again, feel so bad replying so late

thanks you Sailesh ;) much appreciated

@@jenthangchannel3495 You are welcome. Liked the video & subscribed to your channel. All the best :)