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3 Perkara Asas Bank Periksa Sebelum Luluskan Permohonan Pinjaman Rumah Anda

admin September 15, 2017 No Comments

Perkara yang anda perlu tahu yang melayakkan anda diluluskan permohonan pinjaman perumahan ada banyak. Antaranya;

#1 – CCRIS

CCRIS (Central Credit Reference Information System) ini merupakan rekod bayaran pinjaman kita seperti, kereta, kad kredit, peribadi. Penting ada CCRIS ini untuk pihak bank meluluskan permohonan pinjaman kita. Laporan CCRIS boleh disemak di Bank Negara Malaysia.

#2 – CTOS

CTOS ini sistem informasi rujukan. Pastikan kita juga bebas dari CTOS. Bahasa lain dia disenarai hitam. Kadangkala kita tak sedar pun kita kena CTOS disebabkan kita menjadi penjamin pada adik beradik ataupun sedara mara. Kalau dah kena CTOS , wajib langsaikan dahulu hutang tertunggak.

#3 – DSR

DSR ni bukan macam DSLR kamera itu. Debt Service Ratio adalah nisbah hutang kepada pendapatan. Semakin tinggi nisbah dia, semakin tinggilah komitmen. Pihak bank mengambil kira faktor ini untuk menentukan berapa Margin Of Financing (MOF) kita layak. Pengiraan DSR ini berlainan tiap bank namun konsep dia tetap sama. Contohnya;

Gaji Bersih: RM2000
Komitmen:
Hutang peribadi: Tiada
Hutang kereta: Tiada
Hutang kad kredit: Tiada

Dan rumah yang mahu dibeli RM130,000 bayaran bulanan dalam RM600, boleh periksa menggunakan aplikasi iMoney.

Jadi RM600/RM2000 X 100% = 30%.

Kebanyakan bank meletak maksimum DSR 60% untuk gaji pokok bawah RM3000. Bawah DSR 60% lagi bagus. Macam contoh di atas DSR 30% layak lah dapat pinjaman perumahan.

Jadi anda sudah faham bagaimana orang gaji rendah boleh beli rumah? Ya. Mereka tiada komitmen kad kredit, pinjaman peribadi dan kereta mewah import.

Hutang bukan dari institusi kewangan tidak dikira sebagai komitmen bulanan oleh pihak bank. DSR ni dijadikan panduan anda layak atau tidak. Kalau suddah mencapai DSR melebihi 60%-70% tu anda sudah tidak layak untuk beli rumah harga itu.

Antara dokumen sokongan untuk naikkan pendapatan kita;

Amanah Saham Nasional
Tabung Haji
Simpanan Tetap
Perjanjian Sewaan
Akaun Simpanan Emas/Perak

Sesetengah bank sukar untuk memberi pinjaman jika tidak pernah mempunyai apa apa pinjaman. Dengan kata lain tiada rekod CCRIS. Jika umur melebihi 30 tahun pun bank susah nak beri kelulusan.

Akhir kata, anda kena siap sedia daripada sekarang. Kurangkan berhutang tu, tingkatkan pendapatan.

sumber: http://www.majalahniaga.com

INFO

Property Photography 101 : Camera, Composition, angles and lighting

admin September 10, 2017 No Comments

As we all know a picture is worth a thousand words, and in the property industry, a photograph can make or break your potential deal.

EFFECTIVE COMPOSITIONS

Photo by Brittany Stiles Design – Search midcentury family room design ideas

Walk around the room and identify the best view points. Often these are aiming from one corner of the room into the other, or from a perspective which conveys space or the flow from one room in to another.

Always shoot your photographs in the horizontal or landscape orientation whenever possible. The human eye sees the world in a roughly a 4:3 aspect ratio, though the standard ratio is moving to 16:9. Our brain finds the horizontal/landscape views more pleasing.

The two qualities that home buyers are always looking for are space and natural light. That’s why it is very important to keep space and natural light in mind when composing your photographs. If you don’t have professional equipment or a very steady hand, pictures taken without a tripod in natural light will look dark and blurry. So it’s best to invest in at least a tripod, it allows you to shoot at slower shutter speeds to take advantage of natural light while still keeping images sharp.

KNOW THE PROPER ANGLES

Photo by HA Architecture – Look for transitional kitchen pictures

The angle at which you are showcasing the various rooms in a home is extremely essential. Before worrying about angles, the key rule in real-estate photography is that all your vertical lines should be vertical. This is achieved by aiming your camera perfectly horizontal — no slanting the camera one sided.

Moving on to angles. When shooting in a kitchen, it is best to shoot from chest height (often midway between the floor and ceiling). This is because most of the cupboards run from the floor up to the ceiling and this will showcase the top of the work surfaces. As for the living room and bathroom, where most objects like the furnitures are beneath hip height, it makes more sense to shoot from just below the hip.

Last but not least, always photograph a room from more than one view point. This ensures that you can review your images later and make a more confident decision on which perspective works best.

In the modern world as we know it, photography has never been more important to selling real estate. In fact, good photographs can make all the difference when it comes to the time spent trying to sell a property. Like wise men say, a picture speaks a thousand words.So let’s start taking good photos that will sell homes and commercial lots! First things first, for property photography you need the right camera equipments. We won’t get too technical but only point out the general guideline to choosing the right equipments.

AVOID USING FISHEYE OR OTHER TRICKS

Yes, we know that there is a trend right now in real estate photography to shoot properties with poor quality fisheye lenses. Not only does the photos look ridiculous and ugly, it’s also deceiving the potential buyer. Why? Because making a space look larger than it is by using a lense that distorts the area is not going to increase a buyer’s interest.

You will be over-promising them and they are going to arrive to the viewing with high expectations. Best to use honest photos of the space.

INVEST IN A WIDE ANGLE CAMERA LENS TO EMPHASISE SPACE AND CREATE A SENSE OF DEPTH

Doesn’t mean you can’t make a space look bigger without using fisheye lens, a wide angle camera lense can capture the full essence of a space. It allows for a wider shot which gives a true sense of both depth and detail.

On a side note, HDR photography is highly recommended as it allows you to stand out from the crowd. HDR takes several exposures of the same photo and combines them giving you professional photographs that look rich and full of dynamic shades.

FORGET MEGAPIXELS AND BUY A FULL FRAME CAMERA

At the end of the day, it’s about the sensor size and not megapixels. It is the most important criteria to consider when purchasing a new digital camera. Larger sensors mean better image quality, better low light performance, but more importantly, a wider field of view that allows you to capture more of the room in your picture.

USE A TRIPOD

A tripod's function goes beyond just having a hand-free photo but it helps to take sharper photographs.

Most homes look much more appealing when shot in natural light. However, if you don’t have professional flash equipment or a very steady hand, photographs taken without a tripod will look dark and blurry. Tripods will allow you to shoot at slower shutter speeds to take advantage of natural light while still keeping images sharp.

credit & source : http://blog.bumbung.co

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Shamelin Star Residence Condo, Taman Shamelin Perkasa, Cheras

admin September 9, 2017 No Comments

FULLY FURNISHED SHAMELIN STAR RESIDENCE CONDOMINIUM, TAMAN SHAMELIN PERKASA, CHERAS

SELLING PRICE: RM 750,000 (NEGOTIABLE)

Contact AZMI MA 017.2020.334

DETAILS & FEATURES:
===================
* Property Type: Condominium
* Tenure: Leasehold
* Built-Up: 949 sqft
* Bumi Lot
* Bedrooms: 3+1
* Bathrooms: 3
* Facing KLCC and City Centre
* 1 unit Air Conditioner (Living Room)
* 2 Covered Car Park
* Fully Furnished
* Kitchen Cabinet, Washing Machine, Refrigerator, Sofas, Bed frames, Wardrobes, TV, Bookshelves & etc

FACILITIES
===========
* Gymnasium / Aqua Gym
* Olympic Sized Infinity Swimming Pool / Swimming Pool for Kids
* 24-Hour CCTV
* Gated & Guarded (Card Access)
* Multipurpose Hall
* Surau & Toilets
* Games Room
* Playground
* Karaoke Room
* Sauna Room
* Barbeque Pits Area
* Retail Lots at Ground Floor (Mr. DIY, 7-Eleven, Mobile phone shop, Cafe & etc)

NEARBY AMENITIES:
==================
SHOPPING MALL & HYPERMARKET
* Walking distance to PappaRich, Hainam Kopitiam & etc.
* Walking distance to Surrounding Shop Lots (including banks like RHB, CIMB, HSBC, Alliance, Affin, Public, Maybank, Ambank)
* Walking distance to Taman Rekreasi Pudu Ulu
* 6 mins to Sunway Velocity Mall
* 8 mins to IKEA Cheras
* 8 mins to My Town Shopping Centre
* 9 mins to Pavillion
* 9 mins to Tesco Ampang
* 10 mins to Axis Fiesta
* 10 mins to Bukit Bintang & KLCC

PUBLIC TRANSPORT
* Walking distance to LRT Pandan Jaya (next station to Maluri LRT & MRT Interchange)

MEDICAL
* 10 mins to Hospital Ampang

* 10 mins to Pantai Hospital Cheras

EDUCATIONAL
* Walking distance to Kolej Poly-tech MARA
* Walking distance to Sekolah Kebangsaan Seri Bintang Utara
* Walking distance to Sekolah Menengah Kebangsaan Seri Bintang Utara
* Walking distance to Sekolah Menengah Kebangsaan Seri Bintang Selatan
* 6 mins to Sekolah Kebangsaan Cheras Indah
* 8 mins to Taylor’s International College

ACCESSIBLE ROADS:
====================
* Jalan Loke Yew
* Besraya Highway
* MRR2
* Jalan Tun Razak

========================
ASKING PRICE: RM 750,000 (NEGOTIABLE)
========================

** Booking 3.18%, balance 6.82% Upon signing SPA

*First come first serve basis
*Serious buyers are welcome to view
*Lawyer & Bank Loan Can be Arranged

AZMI MA

017.2020.334

OWNERS are welcomed to list your property!

CDDAQIM9822

Cheras, Condominium, Leasehold/Bumi, RM700K-RM800K, SALE, Shamelin Shamelin Star

10 tips to make your home Instagram-worthy

admin September 4, 2017 No Comments

Face it. Who doesn’t want a beautiful home? Not only does a good-looking abode facilitate an owner’s overall sense of living, shelter and storage, it also reflects on its their characteristics. In a digital age wherein Instagram is one of the most important social media tools to showcase one’s taste in life, nothing displays identity better than a well-curated home. Want to improve your home life, and be the talk of the town at the same time? Here are 10 easy tips on making your home Instagram-worthy.

1. LET THERE BE LIGHT

The first rule of taking good photographs, even on Instagram, is good lighting, which natural light never fails to ensure. This means inviting, window-adjacent corners in which one can read, make crafts or reflect on good memories. Whether with plush armchairs, wooden Valencias or Moroccan pouffes, it’s always great to personalise your sacred spaces.

2. PLAY UP THE BRASS FACTOR

As many Pinterest boards would testify, brass is the trend du jour that’s unlikely to fade anytime soon. Slice them in accents to spruce up your living room, entertainment areas, and bedrooms. Can you blame us for waxing lyrical about this?

3. CREATE PET-FRIENDLY NOOKS AND CRANNIES

If there’s one thing that keeps followers hooked on your Instagram journey, it’s the cute animals you call family. Take your game up a notch by rethinking the playing pans and lazing areas for your pets. Punch in the fun with colours, textures, and patterns. Since pets take one’s social media game up a notch, you can rest assured that they will help make your home Instagram-worthy too.

4. CHALK UP YOUR WALLS TO A GOOD BOARD

Who says you can’t make a mark on the wall? The trick to making it a photogenic cause is to make it elegant. Paint a wall dark forest green and write your inspirations with chalks. Isn’t it a dream to find out that your childhood rule does not apply in adulthood, that you can in fact splash, sketch and scribble on the planes of your home?

5. YOUR HOUSE, YOUR MUSEUM

Another good way to make your home Instagram-worthy is to treat your house like a museum. Again, your walls are your best medium. Hang beautiful paintings and arty photographs. If possible, curate them based on a preferred theme, to show your friends and loved ones what your passions in life are all about. Pro tip: Matisse, Van Gogh prints are great to inject drama into a modern space.

6. EMBRACE YOUR STRIPES

A photogenic home is all about proportion. To make your home Instagram-worthy, you have to master the art of balancing shapes and lines. Incorporating stripes, for instance, allows a viewer’s gaze to dance around a given space. Imagine the beautiful photos you could take, with a striped carpet, a lined vase or wallpaper in view.

7. MAKE STATEMENTS WITH INDOOR LIGHTING

Statement decors are always the best conversation starter, and lighting devices shouldn’t be exempted from this idea. When it comes to this, no instalment can convey a dramatic effect better than a beautiful, swooping chandelier.

8. LET YOUR BATHROOMS SPEAK

Like it or not, people do take photos and selfies in the bathroom! Whether for you or your guests, ensure that this hidden part of your home is fit for the occasion by injecting visual spice into it. Hang artworks on the walls or freshen up the space with some fresh flowers and incense. Our favourite reference of all time: English singer Florence Welch’s Frida Kahlo-themed bathroom.

9. LET YOUR GARDEN PAINT A SCENE

If your current property comes with a surrounding yard, consider yourself lucky! Not only do you have more space to play with, you also get to enjoy the gift of Nature via your sowing efforts. Imagine the beautiful photos that you can take featuring your flowers and plants.

10. DECORATE WITH YOUR MEMORABILIA

The best thing about Instagram is that you share your memories, and what better way to reflect this dynamic than to have your house decorated with tokens of good times past? Bring out the old records, the old Polaroids and film photos, the old books or anything in your keepsake that you have let buried. The fun part is in the creative ways in which you can use them to add warmth and beauty to your home.

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