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Wednesday, April 17

Things you wish you knew before buying a property in Malaysia



Are you planning to buy a property in Malaysia? Buying a house can be quite a daunting experience especially for first timer. This article will guide you through things you wish you knew before buying a property in Malaysia. There is also complete guide to the basics of applying for a housing loan for you to refer to online, if you wish to understand more on the process of applying for a housing loan.

1.          Invest in yourself

First of all, you should invest in yourself by educating yourself more on the property knowledge in Malaysia. Spend your free time to meet up with the property experts, investors and homebuyers to learn some knowledge from them.

2.                  Average prices of houses

Next, you will need to do a survey to find out the average property prices in Malaysia. The houses in Kuala Lumpur is the most expensive with an average price of approximately RM500,000.

3.                  Expenditure breakdown

In addition, you will also need have the breakdown of expenditure. You need to plan a budget and manage your finance. It is recommended that you do not allocated more than ⅓ of your monthly income to pay for the home loan.

4.                  Types of home

Next, you will need to decide on which type of house you prefer: apartment, condominium, terrace house, detached house, semi- detached house, townhouse and so on. With no many types of houses available for you to choose from, you need to decide which type of home suits your budget and needs the most.

5.                  Downpayment

After deciding which house you would like to purchase, it comes the down payment. Typically, you will need to pay a 10% of the property’s price as the down payment, if you manage to secure a 90% bank loan. Hence, you will need to ask yourself whether you have enough cash to pay for the down payment.

6.                  Affordability

After that, you need to have a financial plan to determine if you can afford to buy a house. There are expenses that you need to take into account, such as your spending habits, down payment, monthly mortgage payment, savings and so on. You need to make sure you can afford to buy a house before you make a huge commitment of buying a property.

7.                  Home loan and interest rates

Next, you will need to check for interest rates offered by different banks. The interest rates offered by the bank is determined by Base Lending Rate (BLR) that is set by the Bank Negara Malaysia (BNM). However, different banks will have different interest rates as well. Do your research on the interest rates offered by different banks.

8.                  First time homebuyer schemes

You can also check out the first time homebuyer schemes, such as the 1 Malaysia Housing Programme (PR1MA) and My First Home Scheme. Do check out the criteria to see if you are an eligible applicant for the scheme.

9.                  Real estate agent

After checking out the homebuyer schemes, you can now engage an expert or a real estate agent. List down your criteria of home that you are looking out for, such as the type of home, location, size, land tenure, loan tenure and your estimated budget. With their expertise, it will not take them a long time to come back with good news for you.

10.              Offer

After you found the right house for yourself, it is time to make an offer that is agreeable among both the seller and you. Once you have reached an agreeable purchase price, you need to sign the standard documents and make a payment of 2% earnest deposit.

11.              Bank loan

After the signing, you need to find out the different housing loans offered by different banks. Apply for a housing loan that best suits you.

12.              Lower monthly installment

If you wish to lower down your monthly mortgage payment, you could always do so by paying a bigger sum of down payment, apply for a bank loan with the lowest interest rates and opt for a longer period for your housing loan.

13.              Additional costs

Moreover, you will also have to take the additional costs into account. Other than the 10% down payment that you need to pay, there are also the renovation fees, legal fees, stamp duty and a 6% of government service tax that you need to pay for the real estate agent fees.

14.              Seal the deal

After all the signing of documents and loan application, it is time you contact the seller to get your keys to your new house.

15.              Renovation

Once you get your keys, it is time to plan for renovation. Engage with your interior designers and contractors to tell them your desired floor plan and designs that you prefer.

In conclusion, the procedures of buying a home on your own is not difficult as long as you plan ahead and stay within your budget. Remember to always be realistic as you do not want to get yourself into a financial burden after getting a home.




Thursday, April 4

2 hari 1 malam di Port Dickson

Sebelum ni saya dan famili pernah menginap di Avillion Hotel Port Dickson. Kali ni saya tempah hotel adik beradik Avillion juga tetapi yang ini Avillion Admiral Cove Hotel. Bilik yang ditempah ni bilik panorama. Boleh memuatkan 3 orang dewasa. 

Kami gerak dalam jam 3 lebih macam tu dan tiba kat Avillion Admiral Cove Hotel ni sebelum jam 6 petang sebab saya bagitahu yang kami akan tiba sana jam 6 petang. Check in smooth je sebab staff reception counter kata kalau tiba lagi awal, sangat ramai yang nak check in. Kira just nice la tiba dekat2 nak jam 6 petang ni kan?. 

Nak survey hotel ni boleh la click https://www.avillionadmiralcove.com


Sofa belah kanan tu jap lagi akan transfer jadi katil. 


Ada juga cerek air dan teh dan kopi serta gula kalau nak buat air panas. 


Nak letak beg besar boleh letak kat tempat belah kanan tu. 


Ni bilik air. Ada tempat untuk mandi dengan air pancur. 


Bilik yang dipilih ini mengadap laut dan kapal-kapal. Bukak ajer sliding door terus ada penghadang grill. Bagi yang ada anak kecil kena berhati-hati. Nama bilik ini Panorama. 


Kalau petang-petang buka pintu ni boleh la tengok matahari jatuh. 


Haa ni sofa yang telah di transform menjadi katil. 


Takkan nak duduk kat dalam bilik je kan jadi kami pun jalan-jalan kat pantai yang tak jauh mana pun dari hotel. 


Ramai juga kat pantai petang-petang ni pun. 


Sambil mengadap jeti, saya berdua dengan suami. Dania la yang tolong ambikkan gambar ummi dan ayah. 



Pakej bilik adalah termasuk dengan sarapan pagi jadinya kat sinilah kami menikmati sarapan pagi kami. Macam ala ala kat dalam khemah pengantin pulak dekonya. 


Selesai bersarapan, rehat dulu kat bilik sebelum check out. Bila dah check out pergi cari PD Famous Cendol Coconut Shake Power RM2 pula. 

Batu 6
Kampung Teluk Kemang
Negeri Sembilan

Apa yang saya perhatikan kat sini banyak gerai yang kita boleh pilih. Bestnya kita boleh pilih la apa yang kita nak makan. 


Coconut Shake ni untuk Dania dan saya. 


Nasi ayam Dania. 


Nasi daging pilihan suami. 


Saya pilih nak makan asam pedas ikan tenggiri. Sedap asam pedas ni. Berbaloi la makan. 


Ulam-ulaman diberikan percuma oleh gerai yang jual asam pedas jadi berpada la ambik ulam-ulaman ni jangan sampai membazir. Taugeh dan telur asin tu dah sekali set asam pedas ikan tenggiri. 


Disudahi dengan pisang goreng dan keropok lekor. Tak habis pun jadinya tapau la yang tak habisnya tu. 


Overall best ke percutian kat Avillion Admiral Cove, Port Dickson tu?. Saya rasa biliknya luas dan selesa kecuali 2 masalah ni.

1. TV macam rosak. Ada garis-garis hijau kat TV. Nak on dan off tak boleh guna TV controller tu sebab bateri kong. Kena on dan off dekat TV.

2. Ada bunyi air dipam kat bilik air. Sangat annoying bunyinya tu. Nasib baik bila malam takde pulak bunyi air dipam tu. 

Bilik kami tu bilik Panorama Tingkat 7, Bilik No. 10. Haaa kalau boleh elakkan duduk bilik ni ye. 

Tu je nak cerita percutian singkat kami ni....

Sesekali nak kena refresh la nak bagi semangat balik pergi kerja dan sekolah. 





Monday, April 1

Iftar di De' Orchid Glass Hall memang berbaloi

Ni ada satu cerita.....di zaman dahulukala.....terasa mood klasik je ni. Saya berkesempatan ke preview buffet ramadan di De Orchid Glass Hall yang terletak di Tingkat 4, Plaza Metro Kajang. 

Apa yang saya perhatikan gerai dihias ala klasik dengan atap ala rumbia dan setiap gerai diberikan nama seperti jalan di Kajang. Gerai ni menghidangkan Nasi Lemak Champion. Bagi saya sambal nasi lemak kena la sedap untuk memberikan keseluruhan impak kepada nasi lemak yang dihidangkan. Ternyata Nasi Lemak Champion ini mempunyai sambal yang sangat 'Champion'. Tak percaya? Kalau iftar kat sini try rasa. 


Menu bihun pun ada. Kalau bihun warna kuning tentulah bihun utara. 


Tak sah kalau takde kuih muih untuk dimakan waktu iftar kan?. Ni lah diantara koleksi kuih muih tradisional pembuka selera seperti kuih jala, kuih koci dan karipap. 


Jarang jumpa kuih ni. Peminat tepung gomak pasti happy. 


Ketayap, lapis nyonya, seri muka dan samosa. 


Gerai Jalan Semenyih menghidangkan air yang beraneka perisa. 


Time panas-panas kalau minum cendol memang best la. Tekak bulan puasa ni memang rare kan. Kejap nak minum itu, kejap nak ini. Haaa cendol ada dihidangkan. 


Bahagian tengah pula dihidangkan menu utama seperti ayam masak merah, lala, kupang dan lain-lain lagi. Banyak juga seleksi hidangan kat sini. 

Credit : sini

Kalau nak tahu dengan banyak seleksi hidangan yang disediakan, mesti tertanya-tanyakan berapa harga menjamu selera di bulan ramadan kat sini ye? 

Kalau telefon sebelum jam 6 petang....

Hari biasa :

RM39.90 Dewasa
RM29.90 Kanak-Kanak

Hari minggu :

RM49.90 Dewasa
RM39.90 Kanak- Kanak

πŸ€πŸ€πŸ€πŸ€πŸ€πŸ€πŸ€πŸ€πŸ€πŸ€

Kalau walk in 

Hari biasa :

RM45.90 Dewasa
RM35.90 Kanak-Kanak

Hari minggu : 

RM54.90 Dewasa
RM44.90 Kanak-Kanak

Nak kan penjimatan kena la telefon sebelum jam 6 petang. 

Nombor untuk dihubungi :

016 5098532 (Hotline) 
016 9208532 (Amy)
016 6608532 (Farhan)


Lihatlah dewan De Orhid Glass Hall yang boleh memuatkan 350 pengunjung pada satu masa. Lebih 40 hidangan yang disediakan. 

Parking luas, surau disediakan. 




Hiasan kat pentas utama ni mengingatkan pada kampung halaman. 


Jom la berbuka kat sini nanti...
Pssst...pssst....harga di bawah RM100 seorang je tu....


Perasmian buffet Iftar Djarilicious di De' Orchid Glass Hall. 


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