assalamualaikum
alhamdulillah syukur kehadrat ilahi dapat juga kami berdua merasa beli rumah sendiri. ceh cakap mcm bangga padahal bertambah komitmen lols. tapi ini adalah impian kami so mmg bila tercapai, auto rasa happy gituhh.
dalam proses nak beli rumah ni, of course kena buat banyak research. selain baca websites hartanah mcm propertyguru or iproperty ke apa, mesti nak tahu juga pengalaman dari pov buyer, barulah lebih faham sebab buyers ni cerita dia tak pakai jargon2 hartanah and info dia tak systematic sangat. utk orang2 yang tak berapa terdedah kepada ilmu hartanah ni mudah nak paham. so korek2 banyak la blog orang guna keyword "pengalaman beli rumah", "berapa lama dapat vp rumah" dsb. then i thought lagi senang kalau i boleh compilekan semua tips2 yang i dapat ni dalam satu post so that kalau ada sesiapa yg came across senang nak refer. konon membantu la readers yang berapa ketul ni tiberr.
so without further ado, here's adina's guide to beli rumah 101.
mencari rumah idaman
tanpa perlu kira budget lagi, mulakan survey properties di website yg orang ramai percaya. i pakai propertyguru sebab before this cari rumah sewa pun pakai tu and so far trusted. pastikan bila tengok listing tu, tengok realtor name and company. buat google search sikit kut2 kalau company realtor tu ada sejarah scam or whatnot okay.
just browse, pilih area mana yang nak, berapa bilik and baths. then look at the average price of a few houses yg belong in the category. bila dah list down beberapa, and dah tahu average price--- catat, make notes and get ready to save some money. so step ni elok la buat beberapa bulan ke setahun sebelum ye. boleh pakai loan calculator untuk bajet2 berapa monthly installment. kenapa jangan letak bajet dulu ialah untuk mengelakkan terkejut beruk tak jumpa lansung rumah within budget.
tips survey rumah idaman
tahu lokasi mana yang korang nak, then use google maps to see the route between your most go-to places. kalau i, i akan search route between my current house and the dream house (ini membantu untuk bajet awal2 duit movers), route between our offices and the dream house and also we did search for the route from one utama to the dream house sbb kitorang nak target our main venue for entertainment is dkt ou.
also rajin rajin la google nama property tu and baca review dia. tgk photos yang orang ambil, not just the ad photos. cari la information from informal resources also like lowyat or forum cari. basically, read lots and lots of reviews.
start contacting realtors
once dah jumpa rumah yang berkenan, boleh la slow slow contact the realtor and set a house viewing appointment. i actually encourage you to observe the realtor's behaviour so that you can decide if you can deal with this person throughout the process. your realtor should be there from the viewing up until dpt kunci. if he/she don't have the answer, they should at least be able to route you to the next person to contact. kitorang punya realtor from Kim Realty, alhamdulillah sangat bagus and mmg tolong kami end-to-end dlm process ni. kalau kita tak faham mmg dia terus call and selalu follow up dgn kitorang.
house viewing
masa viewing, ringankan mulut untuk terus tanya which bank will most probably approve my loan, what are the average monthly installment, what are some discounts/cashback options available, how much is the downpayment, what are other costs that you need to prepare and maybe more. take notes dkt these numbers.
for me, the first thing i ask is the possible amount of monthly installment. then the realtor sendiri yg start explaining to me about interest rates and banks. then dia tanya us about our work, how many years, how much we get paid. don't have to be shy about this sbb dia akan recommend banks that would approve your loan. for us, we only have 1 year working experience, but our ptptn got waived so we don't have any other commitment other than a car and we have asb also. so the realtor suggests us to apply for a loan with affin bank. another reason being affin would be most likely to approve loans from fresh graduates.
then we also found out about POT cost, moving cost, valuation fee, sinking fee, quit rent and all that stuffs. yang mana kena waived and what should be paid when. penting untuk tahu sebab nanti korang buat2 terkejut pula eh sejak bila ada hidden fees itu ini pastu mengamuk sebab kunci kena tahan sbb payment tak settle so tanya lah awal2 okiee.
estimated price breakdown - contoh sahaja
also, banyakkan makan sebelum viewing sbb nak ajak realtor pergi tengok semua facilities and amenities yg property tu offer. kut2 la rupanya pool berkarat la apa la. jgn lupa tengok visitor's parking juga tau!
getting the best value
bila mencari rumah, try to watch out for government campaigns or developer rebate packages. ini tak ada siapa boleh notify korang, kena pandai2 cari sendiri ikut twitter ke, website developer ke etc. mcm kitorang, we tahan diri nak beli rumah until we are sure that the government's home ownership campaign is still running. also our developer ada 10% rebate of the house. so we got the best deal for our unit.
jangan segan nak tanya the realtor about what interesting packages yg datang with your purchase. some properties may not offer discounts but they offer free gifts in the form of furnishings. rumah kami datang dgn kabinet dapur, wardrobes and toilets. masyuk kan? hehe. so tanya tau so that you can compare and contrast of the values of the properties that you are interested in.
understanding the process
buying a house is a little bit more complicated than renting. so before diri sendiri culture shock, bertanyalah pada realtor juga about your timeline, and what processes are involved. in our case, our realtor foresee that we might be able to get our keys earliest in april. then it got delayed to july due to many factors which we were already explained forward. for us, it was delayed on the developer side to produce some documents, then some delay from the land office. also ask if the realtor can share their experience handling other buyers or if they have their own stories to share.
my process was straightforward, tapi lambat. we booked just 2 days after viewing then applied for housing loans from affin bank and pbb. affin came back to us first after a month mcm tu then we straightaway got called to sign our snp at the lawyer's office. with hoc, our lawyer fees got waived -- thus i emphasis on the importance of buying when you know there are some packages to help you save money. after signing our snp in november 2021, lama gila dalam march 2022 baru ada progress from our developer side about our blanket consent. after that lama lagi dalam june of 2022 barulah lawyer finalize all documents, dan bank pun hantar surat yg loan dah disburse. lepas tu sampai end of june jugalah baru settle hal nak dapatkan kunci dari developer and management.
okay sekian dulu sedikit tips untuk part one of this series. nanti kalau rajin buat part 2, cerita psl proses and timeline sikit and kalau panjang juga pecah lagi satu la part 3 untuk to-dos after dapat kunci.
toodles!
disclaimer:
(kena panjang sikit kasi clear)
1. ini tips lebih kepada rumah untuk sendiri duduk ye. i tak reti kalau nak beli rumah investment. ada la tu kan tips hartanah lain yg lebih sesuai utk beli rumah investment.
2. this is not coming from a property expert. i am a first time home buyer, this is my first house so read this entry as a sharing of experience rather than full-blown, fool-proof tips ke hape okay.
3. tak ada tips untuk beli rumah subcon. kemungkinan tips tak boleh apply ye haha.
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