Financial guide to buying 2nd hand house....., please help me........
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 Jul 15 2009, 12:20 PM
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Junior Member
358 posts Joined: Sep 2006 From: KL  
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well, i just got myself a home as well recently... just hand in the remaining 8% and now just waiting all the process to be completed..... the most expensive stuff i had bought yet in my life......
i heard the kwsp acc 2 can be withdraw in the first 2 years after buying the house..... correct me if i am wrong.... |
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Jul 21 2009, 10:03 AM
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Junior Member
429 posts Joined: Jan 2003
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plkvoon.......what the update of your house???
i will get my new house keys this week... really excited to moved into new house... plan to paint it 1st...... Added on July 29, 2009, 3:27 pmalready got my key, and now moving in. 1 question, after got key. what the next step??? is it end of the process??? or i need to sign any document with my lawyer??? any doc i need to keep? or just snp to prove that i already buy the house??? anyone can help? This post has been edited by one0202: Jul 29 2009, 03:27 PM |
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Aug 5 2009, 06:26 PM
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Junior Member
23 posts Joined: Mar 2009 
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QUOTE(one0202 @ Apr 1 2009, 01:09 PM) now, i will pay the balance of 10% d/pymnt.....about rm17k... it must be done in 14days after sign booking resit. and must sign snp...... my due date is this friday.... but, my loan not approve yet..... can i sign my snp 1st before loan approve???? i angry with my lawyer coz not remind me the due date........ now im rushing to prepare the d/pymnt....... fell like to terminate the lawyer but not have much time to find another.....   Congratulations |
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Aug 21 2009, 10:16 PM
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Senior Member
6,431 posts Joined: Jun 2005
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I'm buying 2nd hand house... It is leasehold landed property.... My loan application is approved and I signed the letter of offer from Bank for the loan... Also, I paid 2% earnest deposit to the vendor (direct deal with owner, no agent involved) nearly 1 mth ago.... Now, the problem is the vendor is yet to extract the house/ land title from land office... It has been taken 2-3 weeks for the vendor to do that before my lawyer can settle the S&P (this is wat my lawyer told me).... Worst is the vendor change lawyer 2 weeks ago and vendor told me that his lawyer already sent in doc to land office to extract the title... but, it will take at least 2 weeks to extract the title...
I dunno what can I do now as i also blur on the process and time normally taken as I'm first time buyer.... Anyone can advise? and pls advise me what I need to alert or concern about for the next step until i get the key and bcome the real owner of the house... Added on August 21, 2009, 10:27 pm QUOTE(pucman @ Jul 15 2009, 02:16 AM) I think s&p should be signed before (and not after) home loan application. The bank will want to see the S&P. pucman,Am I correct ? You must apply ur loan 1st before signing the S&P... You may just pay 2% earnest deposit and get offer of purchase to show to the Bank when applying loan (which u can ask lawyer to do for u), better make payment in front of lawyer which he/she will bcome ur witness for paying the deposit... Added on August 25, 2009, 5:39 pm QUOTE(Minolta @ Apr 2 2009, 10:01 PM) If you have a lawyer who gives you a good discount, then give him a bit of leeway loh....tolerate lah as they are a bit harder to find and they usually give discount to regular/repeat clients. If your lawyer is the type that does not give discount, then fire him stat. In wat stage can we fire our lawyer? If he has started to send letter to the seller lawyer on requesting the doc... n he has help for doing the booking receipt... n actually we've paid RM300 to the lawyer as deposit for the legal fee... But, he always wan us to follow up... n he din give good discount also... can we still fire him? any charges if we change lawyer now?This post has been edited by mamamia: Aug 25 2009, 05:39 PM |
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Aug 28 2009, 04:36 PM
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Junior Member
102 posts Joined: Jan 2005 From: subang
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hi all,
can some one enlight me what is the "extract house/land the title" means? thanks in advance Added on September 1, 2009, 1:20 pm QUOTE(PUd @ Aug 28 2009, 04:36 PM) hi all, please help..can some one enlight me what is the "extract house/land the title" means? thanks in advance This post has been edited by PUd: Sep 1 2009, 01:20 PM |
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Oct 19 2009, 10:15 PM
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Senior Member
6,431 posts Joined: Jun 2005
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QUOTE(PUd @ Aug 28 2009, 04:36 PM) hi all, As per what I know, normally there are master n individual title... So, after the developer sell the house to you, you may not get the title immediately,... After some time, you'll have to go to Land Office to extract the title, i.e. get the title copy from Land Office so that you can sell the house to others... Without the title, you can't sell the house... So, the time taking to extract the title may depends on the efficiency of the officer...can some one enlight me what is the "extract house/land the title" means? thanks in advance Added on September 1, 2009, 1:20 pm please help.. Correct me if I'm wrong... |
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