Thread Luahan Perasan (V13) FD

green~tea

f you dont mind smaller development, Setia Warisan Tropika is much closer to Salak Tinggi ERL station. That side of Kota Warisan is mature and far away from kampungs next to Serenia and has more shops.

Serenia - individual titles
Setia Warisan Tropika - strata

Thing about Kota Warisan is pockets of land owned by few developers.. IOI, SP Setia, Gema Padu (think bankrupt d), Sime Darby (the sold a portion to Sunsuria) then you have Glomac across the road.

green~tea

Azam baru? Takdek.. aku mmg aim harini should be better than yesterday...

green~tea

Continuously.... sikit2 lama2 jadi bukit..


Stakat buat azam tp tak buat apa2??? Contih.. less shopping more savings.. eh.. orang buat savings tu every  month la... bukan takat azam tahun baru...

Cringe betul aku baca....

green~tea

Boooommmmmmmm

green~tea

Ngkau tu laki orang....

Tak abes2 duk stalk kejar merata i ke?

Stooooppiddd...

penmerah

Alhamdulillah puasa harini
Syukur alhamdulillah tahan juga perut dan nafsu dari membrowse food delivery
Surprisingly nafsu nak munching 24 jam pun takde alhamdulillah
Kalau tak puasa... 24 jam nak mengunyah je

Semalam masak nasik goreng sosej udang
Oklqh bokeh diterima tekak
Tapi of kos la, boleh lawan nasik goreng biasa yg mak buat, taruk cili, bawang, ikan bilis sikit dan telur pun aku makan berpinggan2

Masih pikir nk balik raya or tak... Mr boss ok je ikut je cadangan mem
Kat fb merata post durian dan buah2n .. aku terliur sungguh

green~tea

Tanak cincot dah ke?

Aiol boleh tambah lg posting sinih.....

green~tea

I think not. Serenia City is much smaller in term of total development area thus lesser choice for you. For instance, it only has one phase of semi-d with only 72 units where as Elmina has lots of them and even some bungalows.

green~tea

Hi I'm scouting properties in this area. This area is attractive to me as I'm constantly traveling abroad for work so the vicinity to KLIA is helpful, and my Malaysia subsidiary is at Negeri Sembilan, near Seremban.

My concern is, since it's near the KLIA airport, is this near the plane flight path? My concern is the noise from the planes.

Also is there a direct path from Serenia to Salak Tinggi ERL?

Many thanks for your comments.

green~tea

Plane noise is not a concern. Its quite a distant away from departure path of runway 32R. Same for landing (landing much less noise).

In the future phase it will spill out cross the ELITE highway so i believe there will be a terowong to cut through to Kota Warisan ERL Station area. When? I’m not sure.

Currently from Serenia to Salak Tinggi ERL you can use main road. Maybe will take 10 minutes

green~tea

Hi, planning to get a rumahwip but I want to pay as little to no interest rate as possible, house will take 4 years to build as it's a new project.

Let's say the scenario is I have the entire cash value parked in FD now of 300k, how do I maximize both semi flexi or full flexi so that I don't pay any interest at all?

Whats the best strategy as I usually parked to FD lately for investments as so far none of my previous investments (eg. unit trusts in FSMone) gave me much return to begin in.

green~tea

Undercon period if you put $$ into the flexi account, the $$ cannot be withdrawn until the loan amount is full drawn down. This is true for RHB.

If I were you, so cash rich can cash buy, I would buy subsale project, why bother with rumawip?

Subsale benefit.. you can see how well the project is managed, can see who is your neighbor, and the vibes of the place. Not to mention can move in almost immediately.

green~tea

if u have 300k cash savings, u need to rethinnk about ur purpose of buying a rumahwip. Whether u truly need it, or if ur strategy n if u wanna ownstay that it fits your lifestyle

also housing loan is so so so low

u can buy with full flexi loan, the cash now u invest first

then later u can pump into the prinicpal to offset the interest and finish paying the housing loan within a few years

green~tea

FD from HLB right now is about 3.85% for 9 months, vs the mortgage I would be expecting to get at best would be 3.95% from RHB / MBB

Can share with me what you mean by flat and EIR in this case?

green~tea

rumahwhip has free MOT/Loan agreement fees? if no, then why not you buy in cash then can save these cost

green~tea

assume u are working 9 to 5, with a fixed income and work few years to save up 300k?

if so u can just park lets say 50% later into full flexi to knock the principal

remaining put into epf

peace of mind

green~tea

working 9-5 in pharma sales, fixed + incentives, already have 300k set aside in FD atm so I'm wondering what's the best way to reduce interest rate to effectively nil since I can afford the full payment now.

Remaining put into epf makes sense too, but I can't withdraw until I'm 55 right?

green~tea

tats the drawback of epf but u will be safe for old age retirement

depends on ur risk appetite

and the amount in full flexi u also can withdraw in the event of any emergency u need the cash

so u offset the interest n also u have big amount for emergency fund

i think tats quite good too

at least u sleep peacefully at night even if World economy crash

green~tea

if still entitle rumahvip, get it dont wait.
after your salary surpass the range then you not entitle anymore.

any strategy will work for you la, it depend what offer you get from various bank with different rate and package.

put some in fd, some in flexi, some in stock market that one decide later, go apply for the rumahvip dulu.

green~tea

First off, i would suggest you go YouTube and watch the local MY property reviews etc. it is information for you. You need more exposure, more information.

Second, as I've suggested, subsale makes more sense if your intention is for own stay due to reasons above.

Third, I would suggest dual key units, that way you can stay in the studio, or rent the studio out, thus subsidizing your instalments.

Forth, get a unit next to LRT/MRT, that way you can save on transit cost if you take the train, and it is also easier to rent out.