Differences between MRTA/MDTA and MLTA

                         MRTA                                                                           MLTA
       Mortgage Reducing Term Assurance                               Mortgage Level Term Assurance

-Payment made lump sum and most of the time it             -comes in yearly installment, half year installment,
    will be financed in the loan amount it self                          quarter year or monthly installment
-Amount paid is non refundable                                       -guarantee return
-No nomination                                                              -nomination and often the sum insured will be                                                                                                 paid to the nominee
-Non transferable to a new property or new re-               -can be transferred
    financing bank loan

Taragon KL, a Prestigious Living service apartment

Name: Taragon Puteri Bintang

Address: Jalan Changkat Thambi Dollah 55100 Kuala Lumpur

Completion date: End 2009

Tenure:  freehold

No blocks: 2

No storey:  27

Type: service residence superior suites with 4+1 rooms and 5 bathrooms

Built up:4000 square feet

Price for a square feet: RM720 and negotiable

Facilities:

-Gymnasium

-Sauna

-Swimming pool

-Wading pool

-children playground

-covered car park/bay

                                                                                             

Taragon Puteri Bintang Located at the center of Kuala Lumpur City with a short walking distance's to Berjaya Times Square, monorail and Rapid LRT. This unit for sale comes with standard finishing that includes plaster ceiling, air conditioning, built in wardrobe, oven hood and Kitchen cabinet. This unit’s also comes with a tight 24 hours security watch and features such as cctv, access card and video intercom system in each unit that links to the security house

Mortgage finance

another new section in my blog, thanks to my sister's comment on giving my viewers the best information and a platform to share my experience on how to own a property.

before we go further in this section let me explain/brief a bit on various type of property in market and the purpose of building it, in this page  i will also teach you some tips to know is your "purchase is a good buy"




Credit Scoring to Obtain Bank loan


Name of banks that provide mortgage loan in Malaysia,

• MBSB
• Maybank
• CIMB
• Hong Leong
• Public Bank
• Bank Simpanan Nasional
• HSBC amanah
• UOB

this are the banks that processes mortgage loan in Malaysia, this listings are based on my personal experience in assisting my clients to qualify mortgage financing.

• 1# check the value of the property and the affordability of your own self, scheduled payment should be 1/3 of your salary, for an example, RM3000 of salary entitles you to purchase a property with monthly payment of RM1000 or lesser than this for maximum period of repayment up to 30 years.
• 2# do not withdraw all your salary from your bank and leave the account to show a balance of  RM1, RM5 or RM10 before the 15th of every month. Applicants tend to forget that bank love a person who have savings and a good manager of their own expenses instead of a person who rely on credit cards till the month ends. Try practicing in having 1/3 of your salary until the 15th of every month.
•   to be continued......

 

Few New Properties

it's going to be the end of 2012 and i have successfully made some good sales, and next year will be better than this,

-adding more listings-

Taman Happy Seremban

-corner unit at taman happy for sale
-3 bedrooms and 2 bathroom
-land size is approximately 3200 square feet
-kitchen extended and renovated
-5 minute to goverment hospital and mavar
-easy access to PLUS highway and Port Dickson
-shop's nearby 5 minute walking distances

Forest height
-house located in forest height presint 4
-corner lot terrace unit
-land area 3135 squarefeet
-house well maintained with 3 bedrooms and 2 bathroom
-automatic gate system
-forest height located in between senawang and seremban
-econsave and carrefour is in 5 minute drive from this house
-price negotiable
-free 3 units of air condiotner

Lavender Heights in Senawang, Seremban

-Single storey terrace house in Senawang, Senawang is one of the most rapid development area in Negeri Sembilan
-new-built house and already obtain code compliance certificate (ccc) from the state authority
-Freehold property
-3 Bedrooms and 2 bathrooms
-kipmart supermarket in building process located within 200 to 300 meters from this residential area
-Lekas expressway located within 5 minutes drive from this housing area
-Guaranteed rental return-value
-Lucrative investment return in future
FREE:
sale and purchase agreements and all payments related to the sale and purchase agreement
stamp duties
next-year assessment
-government loan and bank loans will be provided

300 acre of empty land in Chiku Gua musang

-Asking price for an acre is RM14,000.00
-price negotiable
-43 title which belongs to a company
-99 years leasehold and the premium is paid for oil palm tree's plantation
-2KM from Chiku town

How to plant Sugar Cane...

1.Select healthy sugar cane plants. The thicker, the better. Sugar cane that has been burnt will also be suitable for planting. Remove flowers using a sharp knife or sickle.
2.Chop off upper leaves and split sugar cane stems into approximately 30 cm or a ruler length pieces. Longer pieces will also be suitable.
3.Dig a furrow, to the depth of half the length of a ruler. This can be done by using a spade or hoe. Large scale sugar farmers will ideally have more sophisticated equipment to dig these furrows.
4.Pre water the furrow, using a hose or by irrigation. This will not be necessary if you are planting large square miles or hectares of sugar cane.
5.Place stems horizontally into furrow and cover with soil. Do not plant stems upright. They will not grow.
6.Wait and watch for sugar cane plants to grow. Shoots will start to grow from the nodes of the stem, breaking through the soil to form individual sugar cane stalks.
7.Plants will take approximately 4 - 6 months to mature, or be ready for consumption. This is a low maintenance crop that does not require any additional labor as the plants will grow effortlessly even under harsh weather conditions

*source from http://www.wikihow.com