First Home Buyer Guide
Are you looking to buy you first property in Malaysia ?
Are you confused of what you are looking for ?
Are you doubtful if you are able to obtain a mortgage loan to finance you first house ?
Are you fearful of committing good deft
Are you worried about how much do you need to fork out for Downpayment , Legal Feel and Stamp Duty ? And the list Goes on ...
If your answer are YESes , Dont Worries. We are here to Help you
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Buying a property is one of the biggest challenges that we need to face in one's life because it could be the heaviest commitment for oneself. Therefore, You would't want to make ant mistake and you have to be extra careful since this is your buying you first condominium. There are some of the very basic considerations when one plans to purchase a property in Malaysia or more commonly what we always ask or been asked by our Client .
Q: What is your budget in mind ?
A: Well , you you would reply by saying with XYZ amount of Salary , how much am i entitled to? As a very general guildeline , your housing monthly installment should not be more than 30% of your nett income. As for your monthly mortgage installment , you can google it online for "mortgage calculator " to get the figure at your fingertips . if you are still not very sure or confident about in , we are more than happy to receive your enquid by Contact US
Q: Where is the location do you prefer ?
A: It actually depends on where your workplace is or where are you comfortable with. Some people prefer city center while some dont't , and bear in mind that the price tag goes hand in hand with the location you have selected too. Therefore , our advice to buy what you can afford.
Q: How much do i need to prepare ?
A: As foe secondry (Subsale ) market , under normal circumstances, the minimun you nees to prepare is 10% downpayment if you are eligible for the 90% loam margin. on top of taht, you still meed to prepare yourself some fund for Legal Fee and Stamp Duty . As for new launch project , which is what MYSarawak Property.com is emphasizing, you may Not necessary need to fork out your 10% cash for Downpayment and Legal Fee . Some developer ( not all ) are providing some special packages for early bird to help buyers with some easy entry scheme. Contact Us to know more.
Q: Do i need to pay any Interest during the Contrustion period, and how much ?
A: Yes. DIBS ( developer interest bearing schemes ) is no longer available nowadays. For your information, the total amount of interest you are paying during the construction period is approximately 4 - 5 % of your purchsed price.
Q: Do i need to do after i make a booking deposit ?
A: You would first need to prepare your document ( photo of IC / passport, pay slip, Income tax receipt , bank Statement Epf Statement , Company Registration, etc ) to apply for loan . We wil help to arrange bankers to assist you in loan application . We work very closely with all the bankers , be it Pubklic bank , Hong Leong Bank , CIMB , Maybank , RHB , OCBC , HSBC , BSN , Bank Islam etc .You name it and we wil cater it for you .
After obtaining a loan offer and signing the Letter Offer , then only you proceed for SPA and other Document signing . With all the basic simple guidelines , we look forward to hearing from you in seaching you first house and hopefully we can offer you something . Don't hesitate to give us a call if you have any Special Request.
