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Community House Malaysia Malaysian Property Urban

Rumah mampu milik untuk warga Wilayah Persekutuan

Tempoh bacaan: 2.5 minit

Anda lahir atau tinggal di Wilayah Persekutuan? Masih belum mempunyai rumah sendiri? Jangan bimbang.

Ini kerana, projek perumahan Residensi Wilayah menyediakan rumah mampu milik kepada pembeli rumah pertama, khusus buat warga Wilayah Persekutuan yang berpendapatan rendah dan sederhana.

Residensi Wilayah

Tak pernah dengar pun, projek baharu ke?

Sebenarnya, inisiatif oleh Kementerian Wilayah Persekutuan ini merupakan penjenamaan semula projek Rumah Mampu Milik Wilayah Persekutuan (RUMAWIP).

Selepas penjenamaan semula, segala urusan berkaitan rumah mampu milik di Wilayah Persekutuan tidak lagi menggunakan jenama RUMAWIP.

rumah mampu milik
Residensi Akasia Jubilee, Bukit Bintang, Kuala Lumpur. Gambar: Residensi Wilayah

Selesa dan berkualiti

Menurut laman sesawang Residensi Wilayah, program ini diwujudkan bagi menyediakan rumah yang selesa lagi berkualiti serta mampu dimiliki warga Wilayah Persekutuan.

Ia selepas mengambil kira harga rumah yang tinggi pada masa kini yang menyebabkan warga kota terutama daripada golongan berpendapatan sederhana sukar untuk membeli dan memiliki rumah sendiri.

Mampu milik

Dengan slogan “Residensi Wilayah Residensiku” projek perumahan ini menyediakan rumah mampu milik di Wilayah Persekutuan dengan harga jualan sehingga RM300,000 seunit.

Dalam tempoh sepuluh tahun iaitu bermula 2019 hingga 2028, sebanyak 80,000 unit rumah Residensi Wilayah disasar untuk dibina.

Jumlah itu juga selaras dengan sasaran kerajaan untuk merealisasikan pembinaan sebanyak sejuta rumah mampu milik di seluruh negara dalam tempoh 10 tahun.

Syarat-syarat kelayakan

Untuk membeli rumah Residensi Wilayah ini, syarat utama kepada pemohon sudah tentulah seorang warganegara Malaysia.

Berusia 21 tahun ke atas, pemohon juga mestilah dilahirkan, menetap ataupun bekerja di Wilayah Persekutuan.

Bagi memastikan inisiatif ini sampai kepada golongan yang benar-benar memerlukan, pemohon projek perumahan ini juga mestilah mempunyai pendapatan kasar bulanan di bawah RM10,000 (bujang) dan RM15,000 (berkahwin).

rumah mampu milik
Apartmen Lili Petaling, Seputeh, Kuala Lumpur. Gambar: Residensi Wilayah

Jenis rumah

Projek perumahan Residensi Wilayah ini menawarkan rumah yang mempunyai tiga bilik tidur, dua bilik air, dapur, ruang tamu, ruang makan serta jenis rumah berstrata.

Saiz rumah yang tidak kurang daripada daripada 900 kaki selain satu tempat letak kereta berbumbung.

Kemudahan-kemudahan awam dan keperluan sosial yang lengkap juga disediakan di bawah projek perumahan Residensi Wilayah untuk mewujudkan persekitaran berdaya huni yang kondusif.

Kemudahan awam yang wajib dan menjadi syarat penyediaan kepada pemaju antaranya seperti surau dan bilik solat, dewan serbaguna atau bilik mesyuarat, pejabat pengurusan, taska dan tadika, kedai dan gerai komuniti serta perpustakaan.

Cara memohon

Permohonan bagi Residensi Wilayah boleh dibuat secara dalam talian di sini.

Pemohon perlu memastikan alamat emel adalah tepat kerana semua notifikasi akan dihantar melalui emel.

Tiada ejen

Oleh kerana permohonan untuk membeli rumah Residensi Wilayah hanya boleh dilakukan secara dalam talian, Kementerian Wilayah Persekutuan mengesahkan tidak pernah melantik mana-mana pihak sebagai ejen untuk permohonan projek perumahan berkenaan.

Segala urusan permohonan, termasuk urusan surat-menyurat, adalah melalui janaan sistem dan secara dalam talian.

Residensi Armani Petaling, Cheras, Kuala Lumpur. Gambar: Residensi Wilayah

Iklan palsu

Orang ramai juga dinasihatkan agar tidak terpedaya dengan iklan palsu berhubung tawaran projek RUMAWIP.

Pihak yang tidak bertanggungjawab didakwa menggunakan logo Kementerian Wilayah Persekutuan dan RUMAWIP untuk mengelirukan pembeli.

Malah, mereka menggunakan kepala surat palsu yang ditandatangani ‘pegawai’ yang sebenarnya tidak wujud. – RED ANGPOW

Artikel ini ditulis oleh Badrul Hafizan Mat Isa dan disunting oleh Hussaini Amran.

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Finance House Malaysia Malaysian Property Realtor

Beware of fraudsters impersonating PR1MA sales agents

Reading time: 2.5 minutes

Perbadanan PR1MA Malaysia (PR1MA) advises the public to exercise caution when approached by individuals claiming to be the sales agents of that corporation.

A statement released by PR1MA mentioned there were several cases where potential homebuyers were fraudulently deceived by those crooks.

Modus operandi

First, the scammers claimed they were acting as sales agents for PR1MA.

Then, they would ask the victims to pay a certain sum of money as deposits.

They also allegedly told the victims that deposits were required since the houses were selling at prices lower than published.

Besides, those so-called “sales agents” misled potential buyers by telling them those houses were cheaper because they were part of a program co-organized between PR1MA and government agencies.

Certainly, the fraudsters would falsely claim that the program aimed to help more people from the lower-income group or the B40s to purchase homes.

The real SOP

What the public should know is PR1MA has a standard operating procedure (SOP) in regards to purchasing homes.

Most importantly, potential homebuyers do not have to pay any registration fee to PR1MA.

Other than that, PR1MA does not appoint any agent or third-party offering form-filling services or special allocations for PR1MA homes.

sales agents
Photo: PR1MA

Booking fee

Well, the real deal is, after registration, a potential homebuyer is required to submit a booking fee of RM500 in the form of a cheque or bank draft.

The booking fee is payable to PERBADANAN PR1MA MALAYSIA or if you are in Sarawak, to PR1MA DEVELOPMENT SDN BHD.

Words of caution

PR1MA encourages potential homebuyers to take extra measures to ensure they only deal with registered PR1MA agents.

To do that, they must always insist individuals claiming to be PR1MA sales agents to present their proof of appointment first.

An extensive list of PR1MA sales partners is available on the corporation’s web site.

What else you must do?

If you have any inquiries especially in terms of the booking process or booking fee, please contact PR1MA’s official channels.

The public may send their queries via e-mail to info@pr1ma.my.

Photo: PR1MA

Alternatively, they may also contact the PR1MA Call Centre at 03-7628 9898, from Monday to Friday (9 am to 6 pm).

Besides, it is easier and more convenient to register online via the PR1MA web site.

Updates on PR1MA homes

Currently, there are 56 housing projects under PR1MA open for application by the public.

Out of that figure, 11 projects are in Perak, followed by Melaka (9), Kedah (8), and Sabah (7).

Photo: PR1MA

Meanwhile, Selangor, Johor, Pahang, and Sarawak have four PR1MA housing projects open for application in each state.

For the rest, Negeri Sembilan has three projects, followed by Kelantan (2), Pulau Pinang (2), and Perlis (1).

Further information on those housing projects is available here.

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Analysis Community House Malaysia Malaysian Property Urban

Harmonizing the future landscape of Kampung Baru

Reading time: 4 minutes

The redevelopment of Kampung Baru in Kuala Lumpur has been a hot topic for debate since the last few decades.

There are three different lines of thought championed by various factions with vested interests in that matter.

Contrasting points of view

On the popular side, the traditionalists want the government to preserve the Malay traditional houses.

In other words, the main objective is retaining the identity of Kampung Baru as the last bastion of Malay heritage in the heart of metropolitan Kuala Lumpur.

Meanwhile, the modernists have a completely different view.

They prefer to see new ultramodern high-rise structures in place of the old wooden houses that have always been synonymous with the Malay enclave for about 200 years.

However, there is another point of view which highlights on achieving the balance between the old and the new.

Designing the public realm

In September 2017, Harvard University Graduate School of Design (GSD) published a paper titled “Kuala Lumpur: Designing the Public Realm”.

The research program was co-organized by Harvard University GSD and AECOM, a global design, engineering, and construction company.

A section of that research studio program, prepared by three Harvard University GSD students, discussed the issue of redeveloping Kampung Baru.

In brief, William Baumgardner, Chengyuan Du, and Dandi Zhang presented their interesting ideas in a project named “Micro-Infrastructure as Community Preservation”.

The need for public space

An intimate public space is hard to find in the hustle and bustle of a big city like Kuala Lumpur.

Yet, that objective has been one of the main concerns in the “new Kampung Baru” proposed by Baumgardner, Du, and Zhang.

Seven villages

They suggested that the empty lots and green spaces within seven villages in Kampung Baru be utilized as public spaces.

In case you don’t know, Kampung Baru actually comprises Kampung Atas A, Kampung Atas B, Kampung Hujung Pasir, Kampung Periok, Kampung Pindah, and Kampung Masjid.

Then, village meetings can be organized in those public spaces where the Kampung Baru folks can use, among other things, for resting or gathering.

Central network

Besides, the public spaces will be connected by a central network, contributing to pedestrian circulation.

In the meantime, it will also promote engagement in the neighborhood.

As the students put it in their own words:

“Each village has an opportunity to make its potential public spaces into unique anchors of the community.

“These spaces capitalize on the distinct cultural identities of the people, their houses, and the surrounding landscape.”

Development typologies

The project proposed two sets of typologies that can be used to redevelop the three most common zones in Kampung Baru.

Specifically, those three zones are residential, commercial and mixed-use.

Firstly, the new buildings in Kampung Baru will maintain the vernacular roof structures and at the same time, raise them.

Theoretically, this method can create new spaces for commercial or housing units.

Vernacular culture

Additionally, these roof structures accentuate a vernacular culture and architectural language that seems more significant with Petronas Twin Towers as its backdrop.

Furthermore, another typology suggests to abstract the roof’s form and orients it according to the zoning designation.

In summary, this typology enables the public to recognize the function of each building as they stroll around the area.

Architectural design

For both typologies, the students suggested the one- to two-floor existing buildings to be raised to three- to seven-floor buildings.

They also proposed those buildings to use a grid of 5 x 5 x 3 meters.

Photo: Kuala Lumpur: Designing The Public Realm

As a result, this grid will permit flexibility and modulating in the future.

In addition, other elements like wall units and balconies are modular to allow landlords to work within the provided parameters.

Certainly, uniform zoning regulations in Kampung Baru would ensure the continuation of the variety that already exists there.

Public spaces and sky bridges

Other than pedestrian walkways, the paper also suggested the inclusion of other amenities in public areas.

For example, outdoor theaters, galleries, botanical gardens, amphitheaters, and markets.

Besides, those public spaces will help to construct a continuous transition from indoor to outdoor and private to public.

Sky bridges can also link every parcel in Kampung Baru hence adding another layer of pedestrian circulation.

Where do we go from here?

Yes, the idea is practical and brilliant, if and only if, we live a perfect world.

To make it happen, the government needs to resolve some haunting issues.

Those issues include locating absentee landowners and dealing with current residents who are mostly migrant workers.

Until now, negotiations regarding the future of Kampung Baru with over 5,000 landowners are going nowhere.

In summary, we hope there will be a win-win solution that is beneficial and satisfactory to all stakeholders in Kampung Baru.

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Analysis Condominium House Malaysia Property Public Transport Rental Serviced Apartment Urban

House rental rates nearby the Kelana Jaya LRT line

Reading time: 3 minutes

Some of us may wonder how the Kelana Jaya light railway transit (LRT) line has affected the rental rates of nearby houses.

Our team at RED ANGPOW has performed an analysis on that subject matter recently.

We have gathered data on rental prices of more than 90 residential areas along the Kelana Jaya LRT line that covers the distance of 46.4 kilometers and 37 stations.

Then, by using our very own tool, we formulated some graphical analyses to describe the patterns of rental rates along that LRT line.

The first analysis

Kelana Jaya LRT line

Firstly, we have detected there are 39 residential areas with the rental rates lower than RM2,000 per month.

On the contrary, tenants in 58 residential areas need to fork out more than RM2,000 every month to pay for their rents.

The second analysis

Kelana Jaya LRT line

Secondly, we have also analyzed the range of rental rates for apartments, condominiums, link houses, and serviced residences and compared their distances from the Kuala Lumpur city center.

For houses located in residential areas within the distance of 19 km from the city center, the rents range from RM900 to RM8,500 per month.

Most of the houses in those residential areas are rented out at the rates of between RM1,000 and RM5,000 per month.

Only two residential areas have rental rates of below RM1,000 per month while five residential areas comprise houses with rents higher than RM5,000 per month.

The third analysis

Kelana Jaya LRT line

Thirdly, we will take a look at rental rates for houses nearby stations along the Kelana Jaya LRT line.

From the chart, we can see that a 4-bedroom house nearby Ampang Park LRT station can be rented out at a rate of about RM7,000 per month.

On the other end, tenants are expected to pay the monthly rent of RM1,300 for a 3-bedroom house nearby Wawasan LRT station.

If you think a single bedroom house can be rented at a lower rate, then you are in for a surprise.

A single bedroom house located in the vicinity of Kerinchi LRT station may contribute around RM4,000 to the landlord’s income every month.

The final analysis

Lastly, let’s find out the median rental rates for 3-bedroom houses in residential areas located nearby the Kelana Jaya LRT line.

Altogether, there are 19 residential areas with 3 bedrooms around 11 LRT stations which comprise 16 condominiums, 2 apartments, and 1 serviced residence.

Those LRT stations are Wawasan, Lembah Subang, Kelana Jaya, Taman Melati, Wangsa Maju, Gombak, Ara Damansara, Sri Rampai, Universiti, Bangsar and Dato’ Keramat.

Any unit at The Haute condominium which is located about 1 kilometer from Dato’ Keramat LRT station can be rented out at the rate of RM2,000 per month.

The second place goes to Menara Pelangi apartment (about 10-minute walk from Bangsar LRT Station) with the rental rate almost equalling The Haute.

For those who plan to rent a 3-bedroom house with the rental rates lower than RM1,500, they may look around somewhere near Wawasan LRT Station.

Rhythm Avenue, The 19 USJ City Mall and Goodyear Court 10 will be the right places for them to start searching.

All those three residential areas are conveniently located about 1 kilometer away from the Wawasan LRT Station.

Before we go…

In the future, RED ANGPOW will perform similar analysis on Sri Petaling and Ampang LRT lines.

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Analysis Community Condominium House Malaysia Malaysian Property

What is the most popular word in housing project names?

Reading time: 2 minutes

Some of us may wonder what is the most popular word in housing project names all over Malaysia.

Could it be Precinct, Heights, Mont, Vista, Seksyen, Perdana, Saujana, Permai or Damai?

And the winner is…

To find the answer, RED ANGPOW has recently analyzed that area of interest.

Guess what? The word Indah came out on top of the list.

Overall, more 500 housing project names contained that word in the period spanning nine years from 2010 to 2019.

Some examples include Taman Senawang Indah (Negeri Sembilan), Taman Indah Jaya (Teluk Intan, Perak) and Taman Kencana Indah (Padang Nanas, Terengganu).

housing project names

Consequently, the second most popular word was Desa followed by Jaya, Bandar, Seri, Bukit, Sri, Permai, Perdana and Impian.

Well, the next 10 words that made it into top 20 were Alam, Utama, Saujana, Heights, Putra, Mutiara, Damai, Setia, Villa and Baru.

Johor

housing project names

Our analysis also discovered that Indah was the most popular word among housing project names in Johor.

Besides Indah, these 19 words spelt out below had also caught the attention of developers when it came to naming housing projects in the southern state.

They were Bandar, Jaya, Seri, Sri, Bukit, Impian, Utama, Putra, Mutiara, Desa, Setia, Pulai, Perdana, Puteri, Permai, Harmoni, Saujana, Heights and Emas.

Pulau Pinang

The word Indah was also the most popular for naming housing projects in Pulau Pinang, succeeded by Seri, Permai, Bertam, Villa, Bukit, Tanjung, Perdana, Jaya and Park.

Other words were Emas, Pinang, Sri, Desa, Mutiara, Garden, Sungai, Vista, Setia and Oren.

Kuala Lumpur

For Kuala Lumpur, the word Kiara topped the list, followed by Bukit, Desa, Sentul, Sri, KL, Jalil, Setapak, Damansara and Villa.

Next in line were Seri, Park, Bangsar, Platinum, Petaling, Laman, Sunway, One, Damai and Alam.

Selangor

Bandar has been the most popular word among housing projects in Selangor.

Trailing that word were Desa, Alam, Bukit, Seri, Saujana, Impian, Indah, Putra and Heights.

The rest of the popular words were Sri, Salak, Jaya, Meru, Utama, Sungai, Permai, Villa, Perdana and Bentara.

Looking forward

In foresight, we may ask ourselves this question: Will Indah still reign on the top of the list for the next 10 years?

Honestly, we don’t know.

When the time comes, RED ANGPOW will perform another analysis just like this.

Certainly, we will do that with tools more advanced than what we have now.

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Finance House Lifestyle Malaysian Property Realtor

So you want to hire a real estate agent

Buying a home, including in Malaysia, can be a nerve-wracking experience especially when it comes to negotiating the price. The more so for those who are just about to purchase their first houses without the assistance of any real estate agent.

Unless you are good at haggling, the probability of getting the seller to come into agreement with your proposed price is quite slim. Even worse, you may skip negotiating after being dazzled by the glittering first impression the house gives you.

The most convenient way to keep those butterflies away from your stomach when confronting the seller is by hiring a real estate agent.

An experienced and honest real estate agent will be your worthy companion in the process of negotiation since he or she knows every trick of the game in the industry. Besides, they speak in the same language as the seller or his or her agent.

That is understandable because they make a living by negotiating for the best price on behalf of their clients and most importantly, they help you make an informed decision.

Why hire an agent?

There are a number of reasons for hiring a real estate agent. First, they are well-trained and experienced in the art of negotiating the most favorable price possible for their clients.

Maybe you are a good haggler yourself and capable of persuading the seller to give you a 3% discount. Yet, hiring a real estate agent may get you a better deal, let say, a 5% discount on the final price.

To make it clearer, if the seller opens the price at RM500,000, you may get the house at RM485,000 after you are done haggling by yourself.

In comparison, the agent may get the seller to agree to part with his or her property at RM475,000. Do the simple math and you will find there is a RM10,000 difference between those two approaches.

Second, real estate agents can also be your only true friends in this cruel and wicked world. Well, that sounds a little bit melodramatic.

In some ways, a good real estate agent performs better than your Facebook BFFs. He or she is willing to go the extra mile to ensure you get the best deal for the house by checking the defects, applying for a home loan and insurance, identifying nearby amenities or finding out the crime rate in the area.

The fees ain’t free

The best things in life are free, so they say. But, that saying is not applicable to real estate agents. That is understandable because negotiating for the sale and purchase of real estate is their main source of income.

As stated by the Malaysian Institute of Estate Agents (MIEA), the commission fee for real estate agents is set at a maximum of 3% of the property sale price. That rate is only applicable for the sale and purchase of properties in Malaysia.

How about the minimum rate? Well, the least you must pay is RM1,000 per property. Let say the sale price of the property is 30,000 and if you apply the maximum commission fee of 3%, by rights you are supposed to pay only RM900 to the agent.

But, in this case, you still have to pay a minimum commission fee of RM1,000 to the real estate agent.

So you want to hire a real estate agent
Photo by iStock

So, take some time to do the calculation first to help you decide whether it will be moneywise to appoint a real estate agent to deal on your behalf.

Technically, the burden of paying the agent’s commission fee is borne by the seller. Nevertheless, the seller may transfer the cost to the buyer by adding the commission fee to the final price.

Don’t be surprised, you may end up paying the very same price that the seller asks initially.

Calm as a cucumber

After some deliberate thinking, you agree to appoint a real estate agent. Then, comes the moment for both of you to take a look at the house you are interested in buying.

The best thing to do is to let the agent do all the talking and negotiating. After all, that is the main reason you hire him or her.

Yes, you may chip in once in a while but keep it at a bare minimum. Avoid being perky and showing you are very interested while inspecting the house; otherwise, the agent will have a hard time to get the best price from the seller.

So you want to hire a real estate agent
Photo by Pexels

Taking a picture of the house or a selfie in front of it is definitely a no-no. Don’t do that, even when the seller is not around.

Some nosy neighbors may see you doing that and relay the information to the seller. Once the seller learns you are excited about the house, it will be hard for the agent to get the best deal for you.

Words of advice

Please make an effort to verify you are dealing with a REAL real estate agent. If someone approaches you and present his or her business card with the Real Estate Negotiator (REN) number printed on it, don’t take it at face value yet.

Run a check with relevant authorities such as MIEA first. In fact, you can go to the MIEA website and perform a search there.

Or, to save you from the trouble of appointing a fake real estate agent, just pick one that suits your criteria from the long list of REN members listed on the MIEA website.

Happy hunting and may you get the best deal for your dream house.

So you want to hire a real estate agent
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House Lifestyle Malaysian Urban

5 Pantang Larang Hidup Berjiran

Jiran-jiran kita mempunyai pelbagai ragam dan ada dalam kalangan mereka yang perangainya kadangkala mencabar kesabaran kita.

Namun, kita terpaksa menerima hakikat bahawa kita tiada pilihan selain terpaksa hidup dengan mereka kecuali kalau kita berpindah atau tinggal di rumah yang jaraknya agak jauh daripada jiran-jiran.

Cara yang terbaik untuk mewujudkan suasana kejiranan yang tenteram dan harmoni adalah dengan memastikan kita sendiri menjadi jiran yang baik.

Untuk mencapai tujuan itu, hindarkan sifat-sifat buruk ini agar tidak menyinggung perasaan jiran tetangga kita dan mengeruhkan hubungan dengan mereka.

Bising seperti ayam riuh sekampung
Gambar: Engin Akyurt / Pexels

Ada segelintir jiran kita yang mempunyai kesukaran mengawal suara mereka yang agak kuat semasa berbual dengan ahli keluarga di dalam rumah.

Itu belum ditambah dengan jiran yang suka memainkan muzik atau berhibur dengan karaoke dengan menguatkan tahap bunyi sistem suara sehingga membingitkan telinga jiran-jiran terdekat.

Kalau suara merdu tidak mengapa juga. Malangnya ramai yang perasan suara mereka bak buluh perindu sedangkan bunyinya tidak ubah seperti itik berkuek.

Jagalah hati jiran-jiran dengan tidak membuat bunyi yang bising kerana mereka mungkin ingin berehat di rumah dalam suasana yang tenteram setelah kepenatan bekerja selama lima hari lebih-lebih lagi jika mereka mempunyai anak yang masih bayi.

Lagipun, tidak perlulah jiran mengetahui setiap butiran yang kita bualkan bersama ahli keluarga kerana mungkin ada perkara mungkin kurang manis kalau diketahui orang lain.

Letak kereta di depan rumah jiran
Gambar: Stephan Müller/Pexels

Masalah ini sering berlaku semasa musim perayaan atau kenduri-kendara di mana ruang untuk meletak kereta agak terhad.

Anak-anak atau saudara-mara yang datang berkunjung mengambil jalan mudah dengan meletakkan kereta mereka di depan rumah jiran.

Memang menyusahkan apabila kereta jiran tidak dapat keluar atau masuk gara-gara sikap mereka yang mementingkan diri sendiri itu.

Bertimbang rasalah dengan jiran yang mungkin terlewat ke tempat kerja disebabkan oleh perbuatan kita atau kaum keluarga meletakkan kereta sehingga menyekat laluan keluar mereka.

Jika tiada pilihan, mintalah izin dahulu dengan tuan rumah kerana dia mungkin perlu bertugas pada musim perayaan atau semasa cuti umum.

Ranting pokok atau bunga menceroboh laman rumah sebelah

Amalan berkebun memang satu perkara yang baik dan boleh menjadikan laman kita lebih berseri dengan bunga-bunga yang mekar dan indah pada pandangan mata.

Pokok-pokok yang ditanam pula boleh dinikmati hasilnya apabila berbuah dan sudah tentu kita berasa puas memakan buah-buahan yang kita tanam sendiri.

Cuma, kadang-kadang kita tidak perasan ranting pokok atau bunga menjulur sehingga menyebabkan daun-daun berguguran memasuki laman jiran.

Sebaik-baiknya, kita pastikan ranting pokok atau bunga yang ditanam itu hanya berada dalam kawasan laman kita sendiri.

Sekiranya jiran mengambil inisiatif mencantas ranting yang memasuki kawasan rumahnya, ucapkan terima kasih kerana dia telah membantu melakukan tugas yang sepatutnya dilakukan oleh kita.

Membuang sampah di depan rumah orang
Gambar: Daria Shevtsova/Pexels

Perangai buruk ini sering dilakukan oleh mereka yang merokok. Akibat sudah terbiasa, mereka dengan selamba membuang puntung rokok ke dalam longkang di depan rumah jiran.

Selain itu, anak-anak jiran yang masih kecil gemar meninggalkan plastik makanan ringan di atas jalan di depan rumah kita.

Memang menyakitkan hati apabila terpaksa membersihkan sampah-sarap yang ‘dihadiahkan’ oleh jiran-jiran yang tidak mempunyai kesedaran sivik.

Biasakan diri membuang puntung rokok ke dalam bekas habuk rokok atau lebih baik lagi, hentikan sahaja amalan yang tidak sihat itu.

Didik anak-anak agar lebih menghargai alam sekitar dengan tidak membuang sampah merata-rata.

Mengumpat keburukan orang lain
Gambar: Tophee Marquez/Pexels

Jiran spesies ini masih lagi wujud walapun dalam era kepesatan perkembangan teknologi maklumat dan komunikasi pada masa ini.

Mungkin makhluk-makhluk yang mempunyai hobi ini berasa gelisah setiap kali mempunyai maklumat tentang jiran-jiran mereka sehingga menyebabkan mereka keluar mencari ‘mangsa’ untuk dijadikan lawan mengumpat.

Yang tidak baiknya, apa yang disampaikan itu tidak semuanya betul dan lebih banyak ditokok tambah secukup rasa semata-mata untuk menyedapkan jalan cerita.

Buanglah jauh-jauh sikap suka mengumpat yang bukan sahaja tidak berfaedah dan membuang masa malah boleh mengeruhkan hubungan dengan jiran-jiran.

Lihatlah keluarga kita sendiri yang ada juga cacat celanya. Berusahalah memperbaiki kelemahan itu dan bukannya memperlekehkan jiran untuk membuatkan seolah-olah kita lebih baik daripada mereka.

Akhir kata, berbuat baiklah selalu dengan jiran-jiran kita dan amalkan perbuatan murni seperti bertegur sapa dan saling menghormati antara satu sama lain.

Kita tidak tahu jiran yang selalu dipandang sebelah mata itu mungkin menjadi orang pertama yang menghulurkan tangan apabila kita ditimpa kesusahan.

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Analysis Finance House Lifestyle Malaysian Mortgage Property

Slow climb out of the housing property market doldrums in 2020

An article published in Star Property recently discussed some interesting points of view by experts on, among others, the outlook of Malaysia’s residential property market in 2020.

Despite the downward trend in this market segment, all of them agreed that there will be some slow and significant improvement during the next 12 months.

Property overhang
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Knight Frank Malaysia Managing Director, Sarkunan Subramaniam believed that pricing is the only cause for property overhang in this country right now.

He mentioned several other contributing factors such as mismatch of products, expected yield, unfavorable location in regards to accessibility, distance, lack of amenities and product type.

Photo: Greater Kuala Lumpur Development Facebook Page

On a different note, Sarkunan viewed that several areas like Desa Park City, Taman Tun Dr. Ismail, and Damansara Heights are capable of luring the upper-income group, high-net-worth people, and foreigners.

Besides, the spillover effect of Tun Razak Exchange is expected to benefit the Imbi and Pudu area once the financial district is open for business.

Secondary property market

For 2019, Sarkunan explained that the secondary property market experienced a higher level of productivity in 2018 due to the shift of the base year for real property gain tax from 1 January 2000 to 1 January 2013.

He added, among other factors that stimulated that market are the improved processing procedure for the Malaysia My Second Home application and the revision of price threshold for foreign buyers for unsold high-rise properties in urban areas.

Steady demand
Statistics provided by NAPIC as of the second quarter of 2019.

Meanwhile, Royal Institution of Surveyors Malaysia Deputy Chairman, Aziah Mohd Yusoff said, reasonable price and good location are among the factors which will ensure the steady demand for residential properties especially terraced units and condominiums.

She also believed the secondary property market, mostly in the residential segment, is experiencing a correction period due to poor market sentiment and strict lending rules imposed by Bank Negara Malaysia and the impact would likely to continue next year.

Affordable houses

Malaysian Institute of Estate Agents President, Lim Boon Ping forecasted, the residential property market will continue to be driven by affordable houses, mainly units sold under RM400,000.

For the past few years, he said, more than 60% of the total transactions were made up of residential properties.

Laissez-fare approach
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Finally, the Association for Abandoned Building Owners Malaysia Chairman, Dr. Mohamed Rafick Khan implied that the government should take a laissez-fare approach toward the residential property market.

He believed, the housing market must be free from the hands of the government because market forces will correct itself.

What the government should focus on, then? Mohamed Rafick said the government can spend more time on town planning and public transport systems which in turn will stimulate the demand for property.

He also forecasted the property market will not see an oversupply in affordable homes for the next three to five years despite the government has been consistently pushing developers to build more houses in that category.

Lower profit margins and risk are said to be the reasons behind developers’ indifferent response to that call.

Mohamed Rafick concluded prices for new properties will be expected to stay high although the price will be slightly reduced in the secondary market.

Points to ponder

Although things look a little bit promising in the near future, prospective homebuyers should exercise caution before deciding to purchase new homes.

Maybe the worst is yet to come for the residential property market in Malaysia if the domestic and global economies don’t show any sign of improvement next year.

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Condominium Elite Finance House Lifestyle Malaysian Mortgage Property Serviced Apartment Urban

5 New Year’s resolutions that may help you buy a new home in 2020

It is less than a week left before we say goodbye to 2019 and greet welcome to 2020. Now maybe a good time to think about what your New Year’s resolutions will be.

If buying a home is at the top of your list, it will be helpful to have resolutions that can keep your financial health in shipshape

Cut down on monthly subscription services
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Yeah, it surely seems convenient to have monthly subscription services especially when the payments are automatically deducted from your credit cards.

But, one of the downsides of doing that is you may not realize those payments can hurt your credit rating.

To make things worse, the guy from the bank’s credit risk department may pull your report before you settle your credit card balance in full at the end of the billing cycle.

To avoid that kind of unpleasantness, only subscribe services that you need and better still, settle your bills by paying in cash via debit cards.

Pay your debts on time
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Easy to say but hard to do, all the more so for bad paymasters. Please keep in mind, nothing makes lenders happier than loans paid on time by borrowers.

Your ability to pay loans, credit cards, and bills on time will reflect positively on your credit history.

Anyhow, some people may think that it will be easier to secure loans if they haven’t borrowed money from any financial institution or made purchases using credit cards.

That is considerably untrue because your home loan application may be rejected due to your nonexistence in the credit realm.

Always monitor your credit
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You never lag in paying your loan installments and bills. So, you think your credit rating is OK. Then, you go and apply for a home loan.

All of a sudden, you find out the bank rejects your loan application because your best friend defaults on his business loan and of course, you are his guarantor.

You can save yourself from this unpleasant situation by checking your credit frequently. At least, do so once a year.

For Malaysians, you may get your credit scores from rating agencies like CTOS, Central Credit Reference Information (CCRIS), and Experian Information Services Sdn Bhd (Experian).

Resist the temptation to take big fat loans
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Forget about buying a new car or taking your family overseas on an expensive vacation. In any case, hold your horses until your home loan is approved.

Lenders are also particular about your debt-to-income ratio or to put it in layman’s term, the amount of your debt payment divided by your gross income.

Your loan application has a greater chance to be approved if you have a lower debt-to-income ratio.

The lower your debt-to-income ratio, the less likely you will face trouble in repaying the home loan in the event of financial hardship.

Don’t change jobs
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Although it sounds old-fashioned, the saying ‘a rolling stone gathers no moss’ always rings true.

Potential homebuyers should stick to their current jobs as a career move especially to a different industry may raise some alarm to lenders.

Job loyalty can be a positive factor in backing your home loan application as it allows financial institutions to forecast your future income easily.

Besides, the job market in Malaysia doesn’t look good these days due to unfavorable economic conditions which began last year.

On a final note, we at Red Angpow would like to take this opportunity to wish you a Happy New Year. May 2020 will bring success and happiness to all of us.

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Condominium Elite Finance House Insurance Lifestyle Mortgage Property Rental Urban

5 questions you must ask before buying a house

So, you want to buy a house. Unless you have stacks of cash at your disposal, purchasing a home requires a long-term financial commitment that may last until the next generation.

Be it a landed or a high-rise property, it is highly recommended for you to gauge your state of readiness before sealing a deal with the developer or the real estate agency.

To make life simpler, we have compiled five questions potential homebuyers must ask themselves as part of their homework prior to making the great leap forward.

1. Do I have the financial capability to purchase a home?

Well, maybe you have saved up enough money to pay the downpayment and all other costs related to the purchase. Or, you may just withdraw some money from your Employees’ Provident Fund (EPF) account.

Thinks look quite good for now. But, after signing the sales and purchase agreement, you find out that you may have to fork out more extra money to install iron grilles on doors and windows. Perhaps, the house needs some repairing to be done.

Besides, don’t forget to calculate other monthly financial commitments like a car loan, an education fund for your kids, study loan repayment and personal loan.

Finally, please make sure you have enough money to cover your expenses and the most important of all, to support your living and family.

2. Buy or rent?

Most of the time, it can be cheaper to rent a house rather than buying it. Of course, owning a house provides you with an indescribable sense of accomplishment (although technically, the bank owns the house until you have the loan in full).

Renting is practical when you don’t intend to stay for a long time, the rental rate is lower than the monthly loan installment, houses are ridiculously overpriced in the area you plan to live or you will inherit your parents’ house.

However, renting too has its downsides. Maybe you are unlucky enough to encounter ‘the landlord from hell’ who shirks from the responsibility of forking his or her own money to pay for the maintenance of the house.

Worse still, the landlord may bring a potential buyer to take a look at the house while you and your family can only stare in horror at the unwelcomed guests.

3. Should I sign up for a home mortgage insurance plan?

The only certainty in life is death. Grim as it may sound, every homebuyer needs to consider this fact, especially for those who are above 40 and planning to pay for their home loan installments for the next 30 or 35 years.s

Yes, you have to pay an additional sum to insure your home loan but at the same time, it bestows peace of mind to yourself and your loved ones.

Financial institutions in Malaysia offer two types of mortgage life insurance namely, Mortgage Reducing Term Assurance (MRTA) or Mortgage Decreasing Term Assurance (MDTA) and Mortgage Level Term Assurance (MLTA).

Please consult your friendly banker for further information on MRTA/MDTA and MLTA to help you choose which one is the most suitable for you.

4. Does the house have a good resale or rental value?
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Some people buy houses for the sake of reselling or renting them. Nothing wrong with that as it is not illegal making money that way.

Since cheap houses are hard to find these days, please perform an evaluation to ensure the prices will not plummet in the long run.

Find out the resale and rental value of other houses within the same locality and other factors that may influence the prices such as the availability of amenities, public transportation system, or crime rates.

If the forecast looks gloomy, find a house somewhere else.

5. Do I really need to buy a house at the moment?
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Most of the time, newlyweds get pretty excited about buying a dream house to shelter themselves and their yet-to-be-born children.

The trend has always skewed toward homeownership especially among those with a higher level of education.

Still, always think about the future because you may need to relocate due to a change in jobs or business locations.

Don’t simply jump into the bandwagon just because everyone else is doing it. The road lies ahead is full of uncertainties and you may be in for a rocky ride.