PENTING KE SEMAK NILAI PASARAN?

Jangan terus beli rumah jika nampak rumah itu murah. Tetapi anda perlu semak nilai pasaran rumah itu sendiri. Nilai hartanah juga boleh menaik jika terdapat booster seperti MRT , LRT , KTM , dan pusat beli belah.

Rumah RM100,000 mungkin nampak murah tapi jika nilai pasarannya ialah RM60,000, ia sebenarnya mahal iaitu RM40,000 melebihi nilai pasaran.

Rumah RM500,000 mungkin nampak mahal tapi jika nilai pasarannya ialah RM800,000, ia sebenarnya murah iaitu RM300,000 bawah nilai pasaran.

Andaikan pembiayaan perumahan diluluskan pada margin 90%, semak nilai pasaran ia dikira berdasarkan nilai pasaran atau harga jual, mana-mana yang lebih rendah.

APA ITU NILAI PASARAN?

Nilai yang dicadangkan oleh jurunilai bertauliah berdasarkan beberapa aspek tertentu termasuk rekod transaksi jualbeli di sesuatu kawasan.

Sebelum anda beli rumah sama ada pasaran sekunder (‘subsale’) atau lelong, menganggar nilai pasaran adalah sangat penting kerana bank hanya memberi peratusan pembiayaan mengikut nilai pasaran atau harga beli / bida, mana-mana yang terendah.

Jika anda membeli / membida melebihi nilai pasaran, anda terpaksa membayar deposit tunai lebih daripada 10%.
Sebelum membeli unit dalam pembinaan (‘underconstruction’) juga, anda seharusnya mengambil tahu nilai pasaran hartanah di kawasan berhampiran supaya dapat anggar nilai unit anda apabila siap kelak.

Ingin tahu bagaimana nilai hartanah ditentukan boleh tengok artikel disini

BAGAIMANA SEMAK NILAI PASARAN?

1. NILAIAN RASMI

• Lantik Jurunilai Bertauliah
Jika anda banyak duit, anda boleh sahaja lantik jurunilai bertauliah untuk dapatkan laporan nilai pasaran secara rasmi.
Namun perlu diingat, untuk dapatkan nilai secara tepat, jurunilai perlu melakukan penilaian dari dalam dan luar rumah.

 2. ANGGARAN NILAIAN SECARA LISAN

• Jurunilai Bertauliah
Jika anda mempunyai rangkaian persahabatan dengan jurunilai bertauliah, anda sangat bertuah!
Minta bantuan mereka untuk dapatkan anggaran nilaian secara lisan. Biasanya ia dinilai berdasarkan transaksi terkini di kawasan berhampiran. Ia bukanlah nilaian rasmi kerana tiada lawatan tapak dilakukan.
Namun ia boleh dijadikan panduan untuk anda membuat keputusan sama ada masuk membida / membeli.

• Pegawai Bank Pembiayaan Hartanah
“Walk-In” ke bank-bank berhampiran anda. Sekiranya anda berhasrat memohon pembiayaan dengan Bank A, maka pergilah ke Bank A.

Pergi ke bahagian pembiayaan hartanah san jumpa pegawai bank di sana. Kalau anda tanya di kaunter, memang dia tak dapat bagi jawapanlah melainkan dia tunjuk arah ke lokasi yang betul!

Beri maklumat hartanah kepada pegawai bank tersebut dan dia akan tanyakan panel jurunilai mereka. Sama sahaja dengan langkah di atas, cuma kali ini anda melalui pegawai bank.

• Agen Hartanah
Ya sama juga seperti langkah di atas iaitu berjumpa pegawai bank. Bagi info hartanah dan agen yang baik hati akan bantu anda dengan bertanya kepada rakan jurunilai mereka.

Tetapi janganlah salahgunakan mereka begitu sahaja. Payunglah neskepe atau teh tarik!
Oh ada juga saya nampak di facebook ada agen yang menyediakan khidmat ini secara percuma melalui online. Klik link mereka dan beri info hartanah; selepas 48 jam hari bekerja mereka akan beri anggaran nilai secara online. Maaf saya tidak ingat link mereka.

PENTING: Sebelum berurusan dengan mereka, anda perlu sediakan beberapa dokumen penting/info hartanah:
Alamat penuh rumah ✔
Keluasan✔
Renovasi yang diluluskan ✔
Aksesori tambahan ✔
Harga Jual / Beli yang diletakkan✔

Credit :coachhartanah.com

 

Deciding to buy a home is a big personal step in many ways. It could be your key to independence or simply a more comfortable place to raise your growing family. Buying a property is a significant investment and one you shouldn’t take lightly. If you’re unsure whether you can afford a home at the moment or not, it’s completely fine to rent while you work on a savings plan towards buying your dream home.

Considering if you can afford to buy
The first step towards buying your own home is deciding if you can afford it. How do you determine if you’re financially ready to buy a house? A good first step would be to do a self-check by obtaining your full credit report with credit score, such as the MyCTOS Score report. Generally, your debt should not be more than 60% of your total net income when applying for a loan or credit facility.

A MyCTOS Score report will provide you with a full, comprehensive information about all major aspects of your credit health and current credit obligations, as well as your credit score. This way, you’ll know where you stand when it comes to credit health, and will be able to make more informed decisions.

Here are some of the benefits and downsides to purchasing and owning your home:

Pros:

• Once you’ve paid off your mortgage, you will own your home and won’t have to worry about constantly looking for a place to live.
• Your property will likely increase in value over time, so you could consider using the equity to buy a bigger home or fund a comfortable retirement.
• You’ll be able to modify and improve your home without needing permission from the landlord. Renovations could also increase the value of your property, should you choose to sell it in future.
• In the long run, it could be cheaper to buy than rent – plus, you’ll own the property after a number of years of payments, unlike renting.
• If you pay your monthly instalments on time, your housing loan could reflect positively on your credit health and help build a good credit history.

Cons:

• It’s a big commitment, so you need to be sure you can afford the deposit, monthly payments and any additional expenses like maintenance costs. Defaulting on monthly payments could really hurt your credit health.
• If you’ve overstretched your budget when buying, you may have to forgo other luxuries such as meals out and entertainment for some time.
• You’ve less flexibility compared to renting. For instance, selling the property and moving is more expensive as you’ll have real estate agency and legal fees to settle.
• Depending on the economy and the value of your home, it may not always be easy to sell your property.
• If you purchase the property with someone else such as a spouse, complications could arise if the two of you decide to go separate ways (such as in the case of a divorce), as the property may need to be liquidated.
• You’ll need to consider unexpected extra expenses that could arise, such as major repairs (plumbing, roof, etc.) or damages caused by natural disasters like flooding.

Credit/source : ctoscredit.com.my

 

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