mod tlg delete. tq

[Green Apple]

sori tt, tumpang tanya...aku nk beli rumah 2nd gak..

harga ditawarkan owner rm35k market value rm90k++. boleh ke nk buat loan based on market value dan dapatkan lebihan cash tu? Atau beli cash and then refinance rumah tu? mana better?

market rm90k++..owner nak jual rm35k je...baik hati betul..
lokasi mane bro..lokasi sejuk kot..lokasi panas biasa owner lantik agent.

 

[croody]

market rm90k++..owner nak jual rm35k je...baik hati betul..
lokasi mane bro..lokasi sejuk kot..lokasi panas biasa owner lantik agent.

owner saudara terdekat bro..nk lepaskan rumah tu cepat2 sbb nk g oversea..hehe..bro ade pengalaman mcmni x?

 

[croody]

sori tt, tumpang tanya...aku nk beli rumah 2nd gak..

harga ditawarkan owner rm35k market value rm90k++. boleh ke nk buat loan based on market value dan dapatkan lebihan cash tu? Atau beli cash and then refinance rumah tu? mana better?

bump soalan ni

 

[skafever69]

beli je rumah tu tt, ikut harga pasaran..
untung tt dpt rumah murah..
kalau xnak kasi aku lah
hahhahaha

 

[lanforex90]

alahai.....loan rumah dah approve dh sign offer letter

tp skunk tgh pening nak buat personal loan pulak nak byr valuation report, lawyer spa, stamp spa, 5k nak byr kt owner sbb xbyr satu sen pun lg kt owner sbg booking haha. loan rumah pun markup loan

 

[kaleck]

alahai.....loan rumah dah approve dh sign offer letter

tp skunk tgh pening nak buat personal loan pulak nak byr valuation report, lawyer spa, stamp spa, 5k nak byr kt owner sbb xbyr satu sen pun lg kt owner sbg booking haha. loan rumah pun markup loan

Baik nya owner tu. hehe. Loan mark up ke? Kalau dapat extra loan, tunggu je la duit disburse. hehe. tp lama gak la kalau nk tunggu. masih panjang cerita dia.

 

[kaleck]

owner saudara terdekat bro..nk lepaskan rumah tu cepat2 sbb nk g oversea..hehe..bro ade pengalaman mcmni x?

dah beli ke umah tu bro? Kalau malas tunggu buat housing loan, buat je la personal loan. beli cash. pastu jual la balik.

 

[lanforex90]

Baik nya owner tu. hehe. Loan mark up ke? Kalau dapat extra loan, tunggu je la duit disburse. hehe. tp lama gak la kalau nk tunggu. masih panjang cerita dia.

yup markup, harga 135k, apply 170k dpt 90% = 153k

boleh ke tggu duit disburse dulu baru buat bayar lawyer n stamp spa? klu bleh xyh buat personal loan dah haha

 

[kaleck]

yup markup, harga 135k, apply 170k dpt 90% = 153k

boleh ke tggu duit disburse dulu baru buat bayar lawyer n stamp spa? klu bleh xyh buat personal loan dah haha

wah. byk nya extra loan tuan dapat. 18k ek? hehe. Masalah skrang ni terpulang la kat lawyer. kalau lawyer kata boleh, x ada hal. tp ada lawyer dia nk minta buyer setelkan dulu fee2 dan segala bayaran yg ada before dia proceed. try la tnya lawyer. hehe.

 

[thejamz]

sori tt, tumpang tanya...aku nk beli rumah 2nd gak..

harga ditawarkan owner rm35k market value rm90k++. boleh ke nk buat loan based on market value dan dapatkan lebihan cash tu? Atau beli cash and then refinance rumah tu? mana better?

meh tolong jawap

Soalan: Bagaimana nak buat 'mark up loan' bagi property below market value?
contoh kes:

Market value: RM 200,000
Asking Price: RM 150,000
Mark up amount: RM 50,000

1. buyer perlu bayar seperti biasa bg rumah subsale 3% (RM 4,500) dan 7% (RM 10,500) kepada agen terlibat.
2. buyer sign Order to Purchase (OTP) form dengan harga jualan RM 150,000.
3. Lawyer akan sediakan S&P draft dengan harga mark up RM 200,000 dan diserahkan kepada banker untuk proses loan.
4. Lawyer akan sediakan 1 agreement owner bersetuju membenarkan buyer mark up loan kepada RM 200,000 (dengan harga jualan RM 150,000), ditandatangan oleh buyer dan owner.
5. selepas loan diluluskan, owner akan dapat seluruh RM 200,000, maka owner wajib beri RM 50,000 kepada buyer.
6. owner hanya membayar 3% agency fee daripada harga RM 150,000 kepada property agent.
7. buyer dapat cash RM 50,000 yahoo!