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salam.. tak tau nak letak topic kat mana but since kat sini banyak discuss pasai rumah.. hopefully bolehla letak sini kut..
kisahnya, ari tu ada berkenan dgn sebuah rumah ni. memang berkenan sgt masa tu, so sbb nak secure lot tu, tpksa letak deposit RM3K. ntah camana hubbyku ada change of mind plak coz dia ada dpt tanah lot..tp still undecided.. in the meantime loan processing berjalan lancar n loan approved tp kami lum le sign letter of offer bagai. so far mmg blom ada sign apa2 lagi..
so disebabkan laki haku dah confirm tak nak rumah tu, i approach developer..
tp derang kata semua RM3K tu forfeit lah.. derang kata kalo loan tak lulus, derang leh pulangkan RM2.7K tp ni loan dah lulus, so kami takleh dpt duit tu semua..
my question;
1. sapa yg penah alami gini, memang duit tu hangus semua ker?
2. Ada cara ke kalo nak dptkan duit tu? kalo pulangkan 50% pun takpa la jugak kan.
so, kalo ada apa2 pandangan, idea abt this.. ur most welcome.. tq. |
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setau i mmg kalau deposit, itu mmg hangus kalau loan lulus.
worse, kalau u dah sign LO, lawyer paperwork tu semua dah prepare, lagi kena bayar upah lawyer
masa bayar deposit tu, mmg minimum ke amik 3k? kalau developer tu baik hati, maybe derang sudi bayar balik partial.. kalau depa fikir untung semata, sorrylah, dah nama deposit kan. duit2 booking ni dorang mesti nak masuk poket derang juga
mujur i punya deposit rumah RM200 ajer ... sbb rumah murah... |
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kalau deal tu tak jalan becos of non buyer factor, developer mmg akan / wajib pulangkan deposit. tp kalo case change of mind, deposit tu burn lah... mmg tu tujuan deposit tuh, untuk tunjukkan yg the buyer is serious in procuring the property... beli umah, bukan cam beli nasik lemak, banyak keje n banyak factor kene take into, so jangan lah senang2 nak letak deposit n pastu decide other wise.. a lesson learned for u lah i guess... |
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How do I pay for the purchased unit and when should I pay?
You pay a 2% earnest deposit to secure the property when you first decide to buy the property. (This is the booking deposit and will become part of the deposit after the legal Agreement is signed). Once the vendor signed the Letter of Intent and accept this deposit, he cannot sell the said property to any other party. The Sale and Purchase Agreement (SPA) to be drawn up by the solicitor and upon signing of SPA, pays 10% of the purchase price (minus the earnest deposit). The remaining 90% is paid within the next 3 months from the signing date of the SPA. An extension of 30 days is allowed, with an interest of approximately 6% per annum on the balance sum. This is the normal basic framework of the agreement subject to your lawyer's advice and the usual practice. Once your legal representative has finished their searches and investigations, and all monies are paid over, the title transfer are finalized, and the property is all yours.
ni sy amik dr sini http://www.penangproperties.com/realestate/news/faq.htm |
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apa yg aku slalu difahamkan gtu r...
tp biase tmpt aku dorg 500 je deposit
klu loan x lulus, dpt sume balek r...
lau lulus loan tp x jd
dorg x plgkan r duet tu |
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Post Last Edit by AnisSuraya at 6-5-2010 15:01
Masa anis nak bayar duit booking utk rumah yang anis dah berkenan tu...pemaju mmg ada inform awal2...
kalau dah letak duit booking, kemudian loan tak lepas, deposit akan hangus 100%...
Kalau dah letak duit booking, kemudian loan lepas tapi last minute ubah fikiran tak jadi nak beli, deposit tu pun akan hangus 100%...
Anis masa tu kena bayar 1k utk booking rumah tersebut. |
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max utk deposit nih 2% dr harga umah.... tp bese tengok developer n tempatlah... jarang depa letak max 2% tuh |
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mcm kes choa kan.. choa dah bayar booking RM2K.. loan dah approved seme lah..tp lom sign LO sbb kata pegawai bank tu derang tgh ada pertukaran sistem..so agak lambat laa.. agaknye2 buleh burned tak booking tue? risau jugak.. kira2 dah 3 minggu laa jugak dr tarikh booking.. harap2 seme okeh la..
untuk tuan tanah, tq ya bukak topik yang similar ngan my kes.. |
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Reply 8# choa
kalo dah book tak jadi pape kot.sbb memang tu pun tujuan book.dulu bank sy lembap kuarkan LO pun,developer okay je |
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kena tengok developer jugak kot.. |
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Developer u all baik hati lah tu,,
my case, rumah yang kami beli...
loan lulus ke..tak lulus ke.....
wang cagaran tetap hangus,,,,
reason, ramai yang beratur nak dapatkannya... |
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kena tengok developer jugak kot..
AnisSuraya Post at 6-5-2010 14:43 
Anis, my developer dah anta reminder letter laa soh execute SNP.. nk execute SNP apanyer..LO pon lom sign.. tp dah call developer, choa dah inform derang kata lambat sket sign LO. derang kata kalau buleh cepat lagik bagus.. tp bila choa call lawyer opis yang buatkan SNP, dia kata developer takleh buat apa pong pasal booking tue, mmg derang akan anta reminder letter sbb itu mmg keje derang, nk tgk buyer berminat ke idak nk beli.. lain kalau loan tak approved, then derang pulangkan.. skang nie mmg choa tgh tunggu LO neh... tp risau jugakk laa sebenarnye selagi tak sign LO tue.. ada kemungkinan tak tiba2 bank kata tak jadik offer housing loan tue? kalau tak jadik meraunggg laaa choa.. bank2 lain choa dah tolak dah..  |
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setahu aku, mana bleh ambik deposit kita, kalo dia tak pulangkan jugak, dah kira ambik deposit haram, try check dengan bank negara |
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Anis, my developer dah anta reminder letter laa soh execute SNP.. nk execute SNP apanyer..LO pon ...
choa Post at 6-5-2010 02:55 PM 
Choa, masa anis dulu, lepas bayar deposit (tadi silap type, lulus ke tak lulus loan ke..deposit tetap hangus), anis terus cari beng2 dan dapatkan tawaran yang terbaik...masa tu pemaju ada call, lawyer pemaju pun dah antar surat suruh sign SnP...tapi masa tu LO lum dapat walau dari cakap2 mulut, semua loan lepas dari semua bank yg anis submit tu...so anis pun tak mo sign SnP lagi...dpt jer LO...anis puashati..sign tanda timer...terus pi pejabat pemaju, sign SnP (dah call lawyer pemaju tu lah yang nak sign dokumen tu kat pejabat pemaju je sebab dekat dgn rumah)... |
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berkenaan tetiba jer bank nak kanselkan offer...selalunya jarang berlaku lah....anis dulu pun ambik masa sebulan lebih sikit gak dari tarikh bayar deposit tu dgn sign LO.. |
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selalunya memang hangus kalau loan dah lulus..
tapi ianya juga atas budi bicara pemaju..
ada kawan yang dapat separuh... ada juga yang hangus 100%... so bebaiklah bincang dengan bos pemaju... sebab biasanya deposit tue adalah komisen penjual... so tue yang diorang tak nak lepaskan.....'
akak.... takkan umah akak deposit 1k aje... tak logik rasanya... |
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berkenaan tetiba jer bank nak kanselkan offer...selalunya jarang berlaku lah....anis dulu pun ambik ...
AnisSuraya Post at 6-5-2010 15:09
oh... kalau mcm gitu legaa lah sket.... harap2 semenyer okeh laaaa..
untuk TT,
mcm my case kan, developer dah ckp awal2.. kalau loan tak approved, mmg derang pulangkan 100%, tp kalau loan approved pastu kita tak jadik nk beli rumah tue..mmg burned la jawabnyer.. cuba2 la tanya developer, pujuk2 n bodek2 sket.. mana tau derang leh kasik balik ke kan.. at least 50% pon jadik laa... |
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Post Last Edit by naaim at 6-5-2010 16:46
setahu aku, mana bleh ambik deposit kita, kalo dia tak pulangkan jugak, dah kira ambik deposit haram ...
evolutionary Post at 6-5-2010 15:03 
deposit ni dipanggil Earnest Deposit (bahasa melayu = Bayaran Deposit Kesungguhan Pembeli) yg deposit haram tu kalau ambik wang org ramai utk tujuan pelaburan. tu mmg haram.
yg earnest deposit ni sah disisi undang2 n ade tertakluk dalam akta KPKT,
kalo ikut undang, earnest deposit ni 2% dari harga umah.
ni skit2 pasal execution of property pruchase
 EARNEST DEPOSIT:
The Purchaser to pay 2% of the Purchase Price as Earnest Deposit to the Vendor upon agreement to the terms and conditions of the Sale and Purchase Agreement.
SALE AND PURCHASE AGREEMENT:
The Sale and Purchase Agreement to be executed by both parties on or before 21 days from the date of the Vendor's receipt of the Earnest Deposit from the Purchaser.
DOWN PAYMENT:
The Purchaser to pay 8% of the Purchase Price to the Vendor, upon execution of the Sale and Purchase Agreement.
BANK LOAN:
Upon execution of the Sale and Purchase Agreement, the Purchaser shall make the necessary arrangements for a bank loan, if required.
BALANCE SUM:
The Purchaser to pay the Balance Sum of 90% of the Purchase Price on or before 90 days from the date of execution of the Sale and Purchase Agreement. An extension of 30 days shall be granted, subject to an interest of 10% per annum on the Balance Sum calculated on the actual period exceeding 90 days.
GOVERNMENT STAMP DUTY / LEGAL FEES:
The Purchaser shall bear all Government Stamp Duty and legal fees incurred in this transaction except where the Vendor shall appoint his own solicitor, whereupon the Vendor and the Purchaser shall each bear their respective legal fees. |
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Post Last Edit by choa at 7-5-2010 11:57
double post.. |
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Post time 6-5-2010 12:23 PM
变色卡
