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adus..br je niat nk membeli umah..dh pulak mrta mlta ml bagai nie...byk beno yg tulip xtau nie...huhuu... |
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Reply 41# tulip_lembayung
tak tahu tak pe, boleh bertanya, kat sini ramai yg volunteer nak jawab |
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Assalamualaikum semua.....
nak tumpang tanyer sikit, kalau loan ngan rumah atas 2 nama tp buat MLTA kat 1 nama je...pastu kata lah 2 3 tahun kemudian nak tambah yg sorg nama lagi... boleh ke wat camtu? |
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Reply 44# jaybond
Salam,
boleh, tapi bayaran dia mungkin tak sama, kena buat calculation balik.... |
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Reply 45# Dynz
oo mcm tu ye? hmm...so bleh la kot nak guna 1 nama dulu sbb duit dah banyak guna kat 10% deposit...nanti 2 3 tahun tambah 1 nama lagi.... dr segi calculation plak , kene tambah banyak ke nanti? |
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Reply Dynz
oo mcm tu ye? hmm...so bleh la kot nak guna 1 nama dulu sbb duit dah banyak gu ...
jaybond Post at 20-12-2010 15:54 
depends pada umur, o/stantnding loan, loan tenure |
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kalau beli 2 properties.. kena amik 2 polisi atau bleh amik satu polisi besar to cover both?..
mana lagi bagus?...  |
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kalau beli 2 properties.. kena amik 2 polisi atau bleh amik satu polisi besar to cover both?..
mana ...
aarie Post at 23-12-2010 12:39
ok aari, i tahu u ada byk asset....
katakan sekarang u ada 2 properties,
tahun 2005 beli 1 property = loan 250K (katakan MRTA (+-)10K
tahun 2009 beli 1 property = loan 500k (katakan MRTA (+-)20K
so, total loan dah jadi 780K, BLR naik interest naik.
cadangan I, bermula dgn tahun 2005 kalau u dah ada Life Insurans dgn coverage 1M, andaikan yr age 30
monthly premium 700.
1) Death/TPD = 1.3M
2) Critical Illness = 500K
let say, happened kat u dgn o/standing loan for 2 properties +- 500k, yr spouse akan still can survive dgn cash (+-) 800K, maybe dia boleh settlekan hutang2 u yg lain.
so, tak kisah berapa property lagi yg u nak beli, just cukup dgn 1 policy sahaja, tak payah nak ambil MRTA/MLTA. Thanks |
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Reply 49# Dynz
wakakaka..... manader banyak.. cukup2 jer 
sekarang dah takde loan lagi.. earlier investment dah full settle.. MRTA pun dapat rebate..
investment baru nie nak explore option2 yg ada...
bagus jugak ada banyak alternative.....
Tq for the explanation.. |
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Reply 50# aarie
 |
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klu beli rmh gna prsonal loan perlu ada ke nie...
jijiklah Post at 3-1-2011 16:09
maksud beli rumah guna personal loan macam mana? bayar untuk down payment atau semua loan? kalau bayar guna personal loan utk downpayment, for the loan u still need to cover. |
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Star Property
December 27, 2010
Q&A: Is it better to go for fixed rate or BLR-based loan?
________________________________________
Dear Azizi Ali,
The current market seems to be positive as prices of houses are soaring high especially in the Klang Valley area. Banks too had started to readjust the loan rates. BLR began to increase. This means that the sum that we are paying now may not be the sum that we will continue to pay in the next few years. I heard that in year 1997, the loan rate is as high as 11%. I am not sure how true that is, as I was still in secondary school at that time.
My question here is, as I’m buying a house for investment purposes (for renting), my payback period will definitely be 30 years and will not shorter than that. Do you think that it is better to go for fixed rate loan or BLR-based loan?
If the monthly rental I collect, let’s say RM900 and monthly loan installment is RM600, I will still get RM300 monthly from the house. I worry that if BLR changes, my monthly loan installment will be higher than my rental, which means that I need to dig from my own pocket to pay the difference.
Please advice based on your experience as millionaire property investor.
Thank you.
Regards,
Kevin ________________________________________
Dear Kevin,
I’m not sure about the exact height the interest rate climbed to in 1997 as I was also in school at that time! (Actually, I was visiting my daughter at her school.) But yes, you are right, the interest rate climbed to double digits during that time. This increase meant that the monthly repayments of all the variable interest rate mortgages climbed up as well, which torpedoed the budget of many a borrower. A lot of them saw their monthly payments rising by 10 or 20 percent. Not surprisingly, this hefty increase led to much problems, heartaches and even arguments between couples.
Fortunately though, the situation did not last for too long as the then Prime Minister, Tun Mahathir, decided to take matters into his own hands. He fired the Finance Minister, took over the post himself and promptly reduced the interest rate back to single digits.
After that very brief history lesson, let me now get back to your question. I must say that you are a very smart young man as you are already concerned about the long-term interest rate, Kevin. (When I was your age, I was more concerned about my sports car!) No one knows what the interest rate will be in 5 years’ time, let alone thirty years. A lot of things can and will happen in that time. Some will be good; some will not be so good. The one sure thing is that things will be different in the coming decade. In fact, there will be some major upheavals that will turn everything upside down, and then some. As to what these upheavals may be, it could be hyper inflation, explosion of derivatives, collapse of paper currency or God forbid, another World War.
One of the negative effects of all the upheavals is that the interest rate could rise to double digits again. And when that happens, the same monster will reappear – the monthly repayments of all the variable interest rate mortgages will shoot up, hammering the innocent, the unwary and the greedy borrowers like a freight train. And unlike in 1997, there may not be a savior to save the day this time. You may be on your own.
So the answer to your question is this – take a fixed interest rate mortgage. While the interest rate charged for a fixed interest rate mortgage may be slightly higher than the interest charged for a variable interest rate mortgage today, you should be paying a lower total repayment in the long run. Next, the fixed repayments mean that you can plan your cash flow better, reduce your workload and also your problems. Most important of all, you will be protected from interest rate rises throughout the period. And oh ya, it will help you sleep better at night.
Just for sharing |
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Salam,
Betul ke, kalau kita jual or refinance rumah, balance MRTA tu boleh refund? or burn macam tu je?
tq. |
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Salam,
Betul ke, kalau kita jual or refinance rumah, balance MRTA tu boleh refund? or burn macam tu ...
cubbeey Post at 31-1-2011 13:40
yup, MRTA boleh refund..... |
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Reply 56# Dynz
betul tu... saya pernah buat early settlement.. bank refund semula balance dari MRTA |
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okeh, thanks Dynz and aarie |
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Reply Dynz
betul tu... saya pernah buat early settlement.. bank refund semula balance dari MRTA ...
aarie Post at 7-2-2011 16:30 
nak tanye.. kena request ke refund tu atau dia bagi sendiri??
bebaru ni aku ada jual rumah n loan rumah tu mmg ada MRTA, loan 30 tahun dengan standard chartered bank .. tapi selepas bayar loan 3.5 years aku dah jual rumah tu.. dan company yang provide MRTA tu ialah Prudential..
banyak gak aku bayar upfront MRTA dulu.. dalam 10K tak silap.. harap2 dapat la refund dalam 8K ke ok gak |
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wah...very informative.... |
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Category: Belia & Informasi
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Post time 22-11-2010 01:13 AM
