Buying First Home, Finance and Legal Advice
|
|
 Nov 17 2009, 09:14 PM
Return to original view | Post
#1
|
 
Senior Member
3,188 posts Joined: Jul 2007 From: A place called "home"  
|
QUOTE(imax80 @ Nov 17 2009, 08:50 PM) TS FYI I just signed LO from OCBC around 200K BLR -1.7 after 5 years BLR -2.4 ZEC. But this is property under Construction. I am not sure about subsale. same rate n bank....mine is subsale....   |
|
|
|
|
|
Nov 18 2009, 12:21 PM
Return to original view | Post
#2
|
|
Senior Member
3,188 posts Joined: Jul 2007 From: A place called "home"
|
QUOTE(Tohsan @ Nov 18 2009, 11:22 AM) I heard no more ZEC from Standard Chartered,not sure about other bank and the maximum is -blr 1.9%. cimb oso no more zec, and the rate is -1.7%please also take into consideration the lawyer that you will choose.... This post has been edited by leongal: Nov 18 2009, 12:22 PM |
|
|
Nov 20 2009, 08:41 AM
Return to original view | Post
#3
|
|
Senior Member
3,188 posts Joined: Jul 2007 From: A place called "home"
|
QUOTE(Juggernout @ Nov 20 2009, 12:24 AM) ermm may i know the word: please also take into consideration the lawyer that you will choose Deposit usually 10% - RM 15,000btw i am noob here about buying new house how much deposit really need to buy 150k house Estimated S&P agreement fee = RM 2,575 Stamp duty for S&P = RM 1,000 (Suppose to be RM 2,000 but got 50% discount cos ur property less than rm 250k) Estimated loan agreement fee (if you taking 90% loan) = RM 3,092.50 Stamp duty for loan agreement = RM 337.50 (Suppose to be RM 675, but got 50% discount) Memorandum of transfer = RM 2,000 Therefore, estimate that you should have at least RM 20,912.50 at hand before u start buying... Figures from: www.fiscal-wise.com.my |
|
|
Nov 20 2009, 05:05 PM
Return to original view | Post
#4
|
|
Senior Member
3,188 posts Joined: Jul 2007 From: A place called "home"
|
QUOTE(feralee @ Nov 20 2009, 09:00 AM) wat bout legal fees>? the s&p agreement fees and loan agreement fees are the legal feeswat is memorandum of transfer? how is it be calculate?  memorandum of transfer fee - is the fee needed to transfer the title from one owner to another go to the website, and you key in the figures of your property amount and loan amount, it will compute for you |
|
|
Nov 23 2009, 10:13 AM
Return to original view | Post
#5
|
|
Senior Member
3,188 posts Joined: Jul 2007 From: A place called "home"
|
QUOTE(NaiveLady @ Nov 22 2009, 05:54 PM) I know that 50% stamp duty waiver is if property is less than RM250K. as far as i know, i think there is no expiry date stated...Can I know if it's only valid until 31/12/09? Added on November 23, 2009, 10:14 am QUOTE(feralee @ Nov 23 2009, 12:27 AM) if i wanna buy at property value at rm190k, how much is the legal fees i need to pay for the S&P? assume i pay 10% deposit i dun think it auto discount the stamp duty...from www.fiscal-wise.com.my, is RM5669. is it correct? is the website auto will discount the stamp duty? thanks This post has been edited by leongal: Nov 23 2009, 10:14 AM |
| Change to: |  0.0172sec
 1.16
 6 queries
 GZIP Disabled
Time is now: 21st December 2025 - 04:12 PM |
Quote