Design stage . Belibis 10

Membina Komuniti, Memperkasa Kehidupan ..Merealisasi Impian

Membina Komuniti, Memperkasa Kehidupan ..Merealisasi Impian:

Jom Sertai Pertandingan Video Kreatif PKNS

PKNS ketika ini sedang menganjurkan Pertandingan Video Kreatif dengan tema PKNS Di Sisimu. Hadiah wang tunai RM25,000 menanti para pemenang. Jom..apa lagi sertai segera dan penyertaan adalah terbuka kepada seluruh rakyat Malaysia. Pastikan sdr/i merupakan salah seorang pemenang di dalam Pertandingan ini. Selamat Mencuba

Pertandingan Mencipta Video Kreatif dihasilkan dengan menggunakan rakaman alat telekomunikasi ( tanpa had jenama ) dan diedit menggunakan perisian penghasilan video yang bersesuaian. Jangka masa ( durasi ) maksima adalah 2 minit. Tema bagi video ini adalah  ” PKNS Disisimu “

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Komuniti Blogger JB
www.johor.blogspot.com

Herbal Plants For Sale

Herbal Plants For Sale:

POKOK BUAH AJAIB /SYNSEPALUM DULCIFICUM UNTUK DIJUAL/FOR SALE

Bag size/saiz polybag: 7 inch X 8inch

Ketinggian pokok/plant height: 600MM 

Selling Price: RM15.00

Ketinggian pokok/plant height: 1200MM 

Selling Price: RM35.00 

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Cara Refinance Rumah | Zuraidin's

Refinance Rumah | Zuraidin's:


Cara Buat Refinance Rumah

Secara asasnya, ada 3 tujuan yang biasa kami dengar tentang pembiayaan semula rumah ini :

1. Nak kurangkan bayaran bulanan
2. Nak dapatkan duit samada untuk buat renovation, setelkan hutang dan sebagainya.
3. Ada offer baru dari bank yang lebih bagus dari pembiayaan sekarang.

Tetapi, yang selalu kita dengar golongan yang biasa buat refinance ini, adalah terdiri daripada golongan dari 1. dan 2. tadi. Baiklah, sebelum nak refinance rumah, kita sendiri perlu tahu apa tujuan sebenarnya apabila mahu buat pembiayaan semula rumah ini. Ramai yang buat silap dengan refinance rumah disebabkan untuk mendapatkan duit semata dan kemudian beli barang-barang yang tidak perlu atau maksudnya berjoli. Ini selalu yang kami nampak pada kebanyakan orang. Namun, terpulanglah. Sendiri punya duit, pandai-pandaila uruskan bukan. Terpulang. Nak cakap banyak, masing-masing dah besar.

Okey……setelah anda dah tahu apa tujuan anda nak buat refinance ini, barulah kita pergi “jalan-jalan” dulu ke setiap bank untuk mendapatkan pilihan tawaran yang terbaik. Bersesuaian dengan kehendak dan tujuan kita tadi. Lain bank, lain kadar faedah serta keistimewaannya. Namun, apa yang penting adalah anda mestilah mencari tawaran yang terbaik bersesuaian dengan apa tujuan anda. Ada beberapa perkara penting yang perlu anda ambil tahu sebelum membuat pembiayaan semula ini.

Cara Buat Refinance Rumah

Di antaranya ialah:

1) Maklumat Kediaman:

• Alamat rumah dan jenis hartanah .
• Keluasan tanah .
• Build up area@Keluasan Dibina
• Freehold@ leased hold
• Ada pernah buat Renovation & Kos
• Jumlah Pinjaman Sebelum Ini
• Jangkamasa Pinjaman.e.g 25 tahun
• Bayaran bulanan pinjaman
• Tarikh pembayaran pinjaman pertama
• Jangkamasa Lock-In
• Harga Semasa Kediaman

2) Parameter Pembiayaan

• Pembiayaan 80%@90% pada harga semasa
• Faedah pembiayaan yang ditawarkan
• Jumlah bayaran bulanan maksimum
• Jangkamasa pembiayaan.e.g 20 tahun@25 tahun@30 tahun
• Jenis Pembiayaan-Flexi Konvensional@Fixed Islamik
• Jangkamasa Lock-Down.Kebiasaannya adalah 3 hingga 5 tahun
• Kemudahan Pembayaran Awal(samada tidak dikenakan penalty dan kadar faedah berkurangan)
• Faedah Daily Rest@Monthly Compounded
• Zero move in cost atau Non Zero move in cost

Baiklah, apabila anda sudah sudah tahu maklumat dan parameter pembiayaan seperti di atas tadi, adalah lebih baik anda meminta quote harga kepada sebanyak bank yang boleh. Selidik quote tersebut dengan teliti dan sebaiknya.Jangan tandatangan apa-apa lagi pada waktu ini. Setelah itu, pilih 3 yang terbaik dan isi borang serta hantarkan kepada bank-bank berkenaan. Setelah mendapatkan offer letter dari pihak bank, jangan tandatangan lagi. Gunakan offer letter tersebut untuk counter offer dari bank-bank yang terdiri dari 3 yang terbaik tadi. Ini adalah trick untuk mendapatkan lebih banyak faedah seperti kadar faedah yang lebih rendah serta fleksibiliti pembayaran.

Selepas anda sudah memilih dengan tawaran yang paling terbaik tadi, barulah anda boleh menandatangani perjanjian. Dan jangan lupa, sering kami ingatkan di sini bahawa klausa perjanjian perlulah dibaca dengan teliti. Ramai yang ambil mudah benda-benda ini. Almaklumlah tebal bebenor, sampai naik rimas pula nak kaji selai-selai kan? Tapi benda ini penting. Ada klausa-klausa perjanjian tertentu yang perlu diambil perhatian seperti penyelesaian awal.

Ada sesetengah bank menawarkan penyelesaian awal tanpa dikenakan faedah atas jumlah pinjaman dan ada juga yang tidak menawarkan fleksibiliti berikut. Jadi, itu adalah contoh yang perlu anda ambil perhatian. Berikut di bawah juga diberikan jenis-jenis pembiayaan perumahan yang biasa terdapat di bank-bank di Malaysia. Maaf, ianya dalam bahasa Inggeris. Ada lebih baik kami tuliskan ia begitu kerana rasanya ia lebih mudah faham dari terma bahasa Melayu.

Cara Buat Refinance Rumah

TERM LOAN (TL) FEATURES

• Traditional Basic Home Loan
• Amortizing (Reducing) based on loan tenure.
• No withdrawal allow
• Pre-Payment allows for completed property.
• Semi-Annual/Annual Home Loan Statement given.
• Must Discharge from Bank upon full settlement.
• Suitable for Fixed income earner (Employment) with minimal saving surplus.
• No Monthly Maintenance Charges
• Daily Rest Calculation* – subject to bank’s packages offered (Not applicable for Islamic Loan)

TERM LOAN (TL) TYPES
A) Conventional Flexi-Term Loan.

• Multi Tiers Rates.
• Follow BLR fluctuations.
• Installment is not fixed as BLR will fluctuate.
• No Withdrawal allows. *Currently few banks allow withdrawal if you paid extra – min. RM5K per w/draw & RM50 fee, will be charge.
• Penalty will be charge if you are to REFINANCE, SELL OFF or FULLY SETTLE within LOCK-IN Period.
• Only few bank’s package allow prepayment during construction period.* subject to package term & conditions.

B) Flexi-Fixed Rates Term Loan.

• Single Tier Rate.
• No BLR fluctuation affects.
• Installment & Total Repayment is Fixed.
• No Withdrawal allows.
• Penalty will be charge if you are to REFINANCE within LOCK-IN Period.
• No Penalty for Fully Settlement or Sell Of Property – Anytime.
• Allow prepayment during construction period.
• Minimal Chances of Refinancing since the current rate is lower the BLR. Unless You need to cash out.

OVERDRAFT LOAN (OD) FEATURES

• Normally is a Single Tier Rates.
• Follow BLR fluctuations.
• Loan A/C = Current A/C = Not Amortizing (Reducing) loan.
• Higher Interest Rate compare to TL.
• Allow withdrawal by issuing checks.
• Allow Pre-Payment.
• Penalty will be charge if you are to REFINANCE, SELL OFF or FULLY SETTLE within LOCK-IN Period.
• Monthly Home Loan Statement given. (Current A/C Statement)
• No need to discharge upon fully settlement – standby cash
• Withdrawal Limit = evergreen not amortizing – will chop 20% standby limit at the end of the year starting age 60.
• Loan above RM250,000 will have 1% commitment fee annually
• Suitable for Businessmen / Self employment with big cash flow turnover
• Client With Bounces Check blacklisted will not entitled for this loan – CTOS BMC positives
• RM10 maintenance Charges.*
• Daily Rest Calculation.
• No need to Refinance again since OD allow standby Cash upon early fully paid off.

FLEXI-WITHDRAW LOAN (Hybrid Loan) – Combination of Term Loan & Overdraft facility

• Multi Tiers Rates
• Follow BLR fluctuations.
• Installment is not fixed as BLR & loan outstanding will fluctuate.
• Allow prepayment during construction period.
• Penalty will be charge if you are to REFINANCE, SELL OFF or FULLY SETTLE within LOCK-IN Period.
• Loan A/C = Current A/C + ATM card => Amortizing (Reducing) loan 07. Monthly Home Loan Statement given. (Current A/C Statement)
• No need to discharge upon fully settlement – standby cash
• Withdrawal Limit Amortizing – Follow Term Loan Amortizing
• No Annual commitment fee .
• Suitable for Businessmen / Self employment with big cash flow turnover.
• Client With Bounces Check blacklisted will not entitled for this loan – CTOS BMC positives.
• RM10 maintenance Charges.
• Daily Rest Calculation.
• Interest Rate Cheaper Than OD rate.
• No need to Refinance again since Hybrid Loan allow standby Cash upon early fully paid off.

Cara Buat Refinance Rumah

Sekali lagi, ianya bergantung kepada tujuan anda ingin membuat pembiayaan semula ini. Namun, kami lebih suka sekiranya pembiayaan semula digunakan untuk membuat pelaburan baru ataupun mengurangkan kadar bayaran bulanan disamping mendapat lebihan wang untuk membuat pelaburan seperti membeli rumah lelong, menyimpan di ASB dan sebagainya dari mengubahsuai rumah. Ini kerana, bagi saya pembiayaan semula bertujuan untuk kita mendapatkan lebihan wang sebagai tujuan utama. Jadi, untuk memaksimakan duit tersebut, adalah lebih baik dari melaburkannya. Dan dari faedah pelaburan seperti ASB, rumah sewa, Homestay dan sebagainya, ianya sedikit sebanyak juga dapat menambahkan lagi pendapatan.

Namun ianya terpulang kepada anda. Berkemungkinan anda menghadapi masalah kewangan dan ingin menyelesaikan hutang seperti hutang kad kredit,pinjaman peribadi dan sebagainya. Jadi, pokok pangkalnya disini, tujuan pembiayaan semula anda hendaklah memberikan faedah atau kesan positif kepada anda, dan bukan sebaliknya. Sekali lagi, sekiranya anda ada apa-apa info yang mahu ditambah, sila kongsikan dengan rakan-rakan pembaca di ruangan komen.Ayuh!

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JohorToday

Casabella, Kota Damansara - RM3 Million

Casabella, Kota Damansara

Posted by Sherleen Tan on 19-Apr 2012

more photos...

Description

Unfurnished house for sale # 5,500 sf built-up. *Exclusive agent for casabella. I have many units for Sale now before CF ready.

*Casabella bungalow house for sale. Brand new modern designed.
7r7b. Gated & guarded community.

*Low density with only 72 units, gated and guarded with high security features.

Other units for sale: Type B for Sale RM3mil
Type C for sale RM3.2mil
Facing Lake view from RM3.3mil to 3.5mil

Must view to appreciate. For sale price RM 3.2mil
Call Sherleen for details 012-3131609

Asking Price

RM 3,000,000(RM 545 psf)

credit: propwall.com

The Sky - Bukit Indah

The Sky Executive Suites

Feature :- 364 Units Built-up Area : 751 sq ft - 2,778 sq ft Status : Under Construction Selling Price: From RM 225,000

* Estimated date of completion : May 2013 * Housing developer's license : 7060-43/03-2013/259 validity date: 15/03/2010-14/03/2013 * Advertising & sales license No: 7060-43/465/2011(03). validity date: 15/3/2011 – 14/3/2012 * Tenure of land : Freehold * Approving authority : Majlis Perbandaran Johor Bahru Tengah * Reference no. : (20)dlm.MPJBT(A) OSC/87/8/2009 [(RP) 9/4/2006(18)] * Land charge : AFFIN Bank Berhad * Min Price : RM 225,000 Max Price : RM932,000 751 – 2,778 s.f. Type A1 Built-up 751 sq.ft. Type A1a Built-up 758 sq.ft. Type A2 Built-up 820 sq.ft. Type A3 Built-up 829 sq.ft. Type A4 Built-up 826 sq.ft. Type B1 Built-up 1,168 sq.ft. Type B2 Built-up 1,080 sq.ft. Type C1 Built-up 1,516 sq.ft. Type D1 Built-up 2,778 sq.ft. + Practical and Nice layout, good privacy, nice view from master bathroom, + end unit ( just guess ) - Small balcony, narrow entrance + Bigger balcony, usefull utility room - a little bad circulation (kitchen area) + Bigger balcony, nice open concept - narrow entrance + Bigger balcony, usefull utility room, - a little bad circulation (kitchen area) Feature Detail Accessibility JB town is just a 15-minutes drive away while Singapore a mere 20 minutes via the Causeway and Second Link Crossing With easy access to JB Parkway via Bukit Indah Interchange Landmark There are numerous schools in the vicinity. Sekolah Rendah Taman Perling, Sekolah Menengah Taman Perling, Sekolah Kebangsaan (Cina) Pei Hwa ,Sekolah Kebangsaan Rendah Bukit Indah, Sekolah Menengah Kebangsaan Bukit Indah Served by an excellent network of roads, inter-city highways and the main North South Highway Area An enviable lifestyle amidst an extensively landscaped, clean and green environment Located in the heart of the Iskandar Malaysia 24-Hr security patrol Other Won the National Landscape Award 2001 under the ‘Neighbourhood Park’ category Somebody want to sale! Unfurnished condominium for sale # 1,160 sf built-up. The Sky executive suite located in the Iskandar Malaysia - Nusajaya landscape with vibrant commercial hubs and exclusive residential enclaves. The towers will be the tallest buildings in the region, commanding exceptional vistas of the shimmering Straits of Johor. The Sky executive ushers in new heights of stylish living, leisure, safety and security. Not least, a host of amenities from healthcare and education to recreation and retail activity within The Sky's vicinity ensure this remarkable residence is also the epitome of convenience. Nearby Amenities: Jusco Regional Shopping Centre Tesco Hypermarket IndahWalk Commercial Hub McDonald Drive-through Restaurant Loon Sing Hotel Granada Columbia Asia Hospital Primary & secondary school 17-acre town park 15-min drive to Johor Bahru City Centre 20-min drive to Singapore via Second Link Expressway Notable neighboring landmarks include the Medical Hub, Educity, and the international Destination Resort. Property Facilities: Private Garden & Sky Garden Infinity Pool Tennis Court Children Playground Barbeque Spots Gymnasium Asking Price RM 638,000(RM 550 psf) (It means: The lowest price for international lot is RM413,801 ?) wow!! Sky Loft Premium Suites Feature :- 374 Units Built-up Area : 833 sq ft - 3,093 sq ft Status : Under Construction Selling Price: From RM 325,000 * Estimated date of completion : July 2014 * Housing developer's license : 7060-49/07-2016/857 validity date: 11/07/2011-10/07/2016 * Advertising & sales license No: 7060-49/1322/2013(06). validity date: 05/06/2012 – 04/06/2013 * Tenure of land : Freehold * Approving authority : Majlis Perbandaran Johor Bahru Tengah * Reference no. : (E1)OSC/25/3/2011(JB)[(RP)9/4/2006(34)] * Land charge : AFFIN Bank Berhad * Min Price : RM 455,000 Max Price : RM2,833,800 * 15% Discount for Bumiputera The Skyloft as at 22/06/2012 (Structural framework in progress)  Specifications Structure - Reinforced Concrete Sturcture Walls - Reinforced Concrete Wall / Brick Wall Roofing Covering - Reinforced Concrete Roof Roof Framing - Steel Roof Truss Ceiling - Skim Coat / Plaster Ceiling Windows - Aluminium Framed Glass Window Doors - Main entrance : Fire-rated door - All bedrooms / Bathrooms / Utility : Plywood flush door - Balcony : Aluminium framed glass sliding door Ironmongery - Quality Locksets Wall Finishes - Kitchen : 2100mm Height Ceramic Tiles Where Applicable to Kitchen - Bathroom : Full Height Ceramic Tiles to Bathrooms Floor Finishes Type A, B, C Type PH1, PH2 - Living / Dining : Ceramic Tiles Porcelain Tiles - Kitchen : Ceramic Tiles Ceramic Tiles - Bedrooms / Bathrooms : Ceramic Tiles Ceramic Tiles - Balcony / Yard : Ceramic Tiles Ceramic Tiles - Utility : Ceramic Tiles Ceramic Tiles - Other Areas : Cement Render Cement Render Sanitary and Plumbing Fittings A B C PH1 PH2 - Kitchen Sink : 1 1 1 1 1 - Wash Basin : 1 2 4 5 5 - Soap Holder : 1 2 4 5 5 - Toilet Roll Holder : 1 2 4 5 5 - Shower Rose : 1 2 4 5 5 - W.C : 1 2 4 5 5 Electrical Installations A B C PH1 PH2 - Lighting Point : 11 15 22 29 30 - Power Point (13A) : 16 15 20 26 28 - Ceiling Fan Point : 2 3 4 6 6 - Air Cond Point : 2 3 4 7 7 - Door Bell Point : 1 1 1 1 1 - Water Heater Point : 1 2 3 4 4 - TV Point : 2 2 2 2 2 - Astro Point : 1 1 1 1 1 Internal Telephone Trunking and Cabling A B C PH1 PH2 - : 1 1 1 2 2 *Fencing - N/A *Turfing - N/A *Gas piping - N/A Note: The Vendor shall at its own cost and expense install or construct all of the items listed above in accordance to the description set out save for the item or items marked with an * which may be deleted if not applicable. http://www.spsetia.com.my/MpCalc.htm Monthly Payment Calculator

Bukit Indah, Johor Bahru:

Bukit Indah, Johor Bahru

Bukit Indah is a well established township located in the heart of Nusajaya, Iskandar Malaysia. It is strategically situated at a superb location that is served by an excellent network of roads and inter-city highways, as well as the main North South Highway.

The township also features a dedicated Bukit Indah Interchange, which further enhances its accessibility. Other established townships that are located near to Bukit Indah include Taman Perling, Taman Sutera, and Taman Tampoi Utama.

Some of the residential properties located in this exciting township include Camelia, Aveiro, The Springs, and Orion. Other on-going housing projects are The Coral, The Cottage, The Lodge, The Suite, and so on.

Due to the convenience and brilliant accessibility offered by the township, Bukit Indah attracts crowds from several neighboring townships such as Tampoi Utama, Taman Sutera, Nusa Bestari and Taman Perling, as well as from Singapore.

Property Details

• Name: Bukit Indah
• Address: Johor Bahru, Johor
• Developer: SP Setia
• Type
  • Camelia: 1.5-Storey Terrace
  • Aveiro: 2-Storey Terrace
  • The Springs: 2-Storey Terrace
  • Orion: 2-Storey Link Bungalow
• Land Area
  • Camelia: 2,936 sf
  • Aveiro: 1,300 sf
  • The Springs: 1,300 sf
  • Orion: 46 × 75 sf
• Built-up
  • Camelia: 1,707 sf
  • Aveiro: 1,541 sf
  • The Springs: 1,541 sf
  • Orion: 3,179 sf
• Launch Price:
  • Camelia: RM358,000 onwards
  • Aveiro: RM459,400 onwards
  • The Springs: RM437,300 onwards
  • Orion: RM998,000 onwards

Analysis

Accessibility in Bukit Indah is excellent as the township is well connected to other areas. It is only 15 km away from Johor Bahru town, whereas Singapore can be reached in 20 minutes via the Second Link Crossing. The Bukit Indah Bus Interchange in the township is directly linked to Jurong East Bus Interchange in Singapore via the Causeway Link Bus No. CW3.

It takes around 20 minutes to reach Bukit Indah from Tuas Checkpoint via Exit 307C and Exit 308. From Woodlands Checkpoint, it takes 25 minutes to drive to the township via Skudai Highway and JB Parkway, Exit 308. Besides, public bus services that connect the township to other parts of Johor are also available.

Bukit Indah offers all kinds of quality facilities and basic amenities such as banks, mini markets, eateries, clinics, schools, and more. Shopping malls such as Tesco, AEON Jusco, and Giant which is located adjacent to the township, are all merely 10 to 20 minutes of walking distance away. This is where you are able to find whatever you need, from business and education to leisure and entertainment.

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