Minta Pendapat

Salah seorang klien saya telah membeli hartanah kediaman lelong dengan menggunakan nama syarikat. Dalam usahanya untuk memohon pinjaman, kebanyakan bank tidak mahu memberi pinjaman dengan alasan : Nama Syarikat tidak boleh membeli hartanah kediaman. Pihak bank hanya akan memberi pinjaman untuk syarikat yang membeli hartanah komersil shj. Klien saya ini hampir berputus asa.

Mohon nasihat rakan-rakan seperjuangan sekalian untuk membantu rakan kite ni.

Thanks in advance!

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Property bubbles???

Azizi Ali: Property investment in the new decade

The times have been good for property investors in the past couple of years. Prices in certain areas, particularly in selected areas of Kuala Lumpur and Petaling Jaya have risen significantly, some as high as 50 percent. And as a result of this rise, practically all property investors had made money. In fact, some people have seen their net worth jump up by 30 or 40 percent because of the price rise. For example, a young colleague who purchased their house two years ago saw the value of their house increase from RM950,000 to RM1.3 million today. Of course, the owner was all smiles when they told me the story.

I am happy for them. As an avid property investor, I have benefitted from the rise myself, so I am certainly not complaining. At the same time, I must admit that I have some reservation about the whole scenario. The price rise has distorted reality to many investors, including my colleague. Because the price climbed up as soon as he bought the property, and remained at a high level even today, his view on property investment is seriously distorted. He thinks that:

1. Prices will go up as soon you buy a property.
2. The gains will be in double digits per annum.
3. This is normal.
4. Prices always go up.
5. It is easy to make money in properties.
6. He is a super genius when it comes to property investment!

Long-term property investors will quickly point out that none of the above are true. That’s right – none! For starters, I can tell you the current situation is exceptional. It wasn’t like this five years ago, and certainly not ten years ago. I can also tell you that times are not going to remain this good forever. Prices do not rise to the sky, and interest rates do not stay low forever. In fact, interest rates has already climbed (or to use the toned down term of ‘normalised’) by 75 basis points already this year.

Why am I so sure of this? Simple; I have seen similar euphoria before (the first in the mid-1980s and then in year 1997 during the Asian Currency Crisis), and the story did not end well on both occasions. Like most bubbles, prices edged up slowly initially. The initial buyers made money and this attracted others to invest into properties as well. And as prices climbed higher and higher, the euphoria got to the levels that some people were rushing to buy because they were scared that the prices will spiral out of their reach if they do not act then. But when the market crashed, as all bubbles eventually do, a lot of people were seriously hit, a lot of money was lost, and that included seeing their properties being auctioned off by the banks.

I see the same story being repeated today. On top of the ever present dangers, there will be massive challenges in this new decade. There will be much turbulence in the coming days, and some of them will be unlike what you and I have seen or experienced before. This may include double-digit interest rates, multiple bank failures, currency crashes and explosion of the derivatives market.

As a result of the new challenges, the investors using the current success formula of buying five properties at one go (by paying the minimum down payment and borrowing to the hilt) will be seriously hammered. They will experience much pain, to put it mildly. Some people will lose their properties, some will lose more than money and yes, some will become ex-millionaires.

But of course, where there is danger, there are also opportunities. This will include a huge number of properties being auctioned and also getting huge discounts from distressed sellers.

For more information about Azizi Ali, visit www.millionairesplanet.com

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23 Ogos 2010 (7)

STC.MK 10%
3 Storey Corner Terraced Shopoffice
Auction Price : RM 1,080,000.00
2293 sq.ft Freehold
No. 23A, Jalan Impian Mahkota 1,
Saujana Impian, 43000 Kajang, Selangor

RA.EA 10%
3-Bedrooms Apartment
Auction Price : RM 99,000.00
800 sq.ft Leasehold Expiring on 13 February 2086
Unit No. A-2-11, Estana Court, Jalan Haji
Mokhtar, Kampung Pasir, 68000 Ampang, Selangor

RA.EA 10%
Condominum
Auction Price : RM 170,000.00
861 sq.ft Freehold
Unit No. 705, Menara Seputih, Jalan
Klang Lama, 58000, Kuala Lumpur

RA.EA 10%
Condominum
Auction Price : RM 170,000.00
1130 sq.ft Leasehold Bumi Lot
No. 10E-03-01-004, Bukit Wangsa (Sri Kinabalu),
Seksyen 10, 53300, Kuala Lumpur

RA.EA 10%
Auction Price : RM 125,000.00
Apartment 838 sq.ft Leasehold
Unit No. 45-01-11, 1st Floor, Block 45, Menara
Orkid, Jalan 3/48A, Sentul Perdana,
Bandar Baru Sentul, 51000, Kuala Lumpur

AMBI.PAH 5%
Auction Price : RM 75,000.00
2 Bedrooms Medium Cost Apartment 588sf
Unit No. 38-08-09, 8th Floor, Block 38,
Perumahan Sri Tioman II, Taman Melati,
53100, Kuala Lumpur

EON.ZT 10%
Intermediate 3 Storey Linked House
Auction Price : RM 150,000.00
592 sq.ft Leasehold expiring on 27th August 2075
No. 31, Jalan Dato Senu 19, Taman Dato Senu,
51000, Kuala Lumpur

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18 Ogos 2010 (9)

CT.TC 5%
Auction Price : RM 65,000.00
3 Bed Low Cost Apartment 650sf Leasehold
Unit No. C-12-14, 12Th Floor, Block C,
Mutiara Magna, Jalan Metro 1,
Metro Prima, 52100, Kuala Lumpur

CT.LA 5%
Auction Price : RM 70,000.00
3 Bedrooms Low Cost Flat 704sf Leasehold
Unit No. 2-3-14, 3rd Floor, Block 2,
Jalan 7/116B, Kuchai Entrepeneurs' Park,
58200, Kuala Lumpur

CT.TC 5%
Auction Price : RM 125,550.00
3 Bedrooms Apartment 966sf Freehold
Unit No. 17-4-7, 4Th Floor, Block 17,
Intan Apartments, Jalan Setiawangsa 21,
Taman Setiawangsa, 54200, Kuala Lumpur

CT.TC 5%
Auction Price : RM 270,000.00
2 + 1 Bedrooms Condominium 1044 sf Freehold
No 107-09-03A, 9th Floor, Bistari Condominium,
Jln 1/64D, Off Jalan Putra, 50350, Kuala Lumpur

CT.TC 5%
2 Storey Semi-Detached House
Auction Price : RM 440,000.00
3200 sq.ft Leasehold
No. 7, Jalan LP 6/8, Taman Lestari Perdana,
43300 Seri Kembangan, Selangor

ALL.ALH 10%
Intermediate 1 Storey Terrace House
Auction Price : RM 200,000.00
1505 sq.ft Freehold
No. 16, Jalan Tiong Nam, Off Jalan Raja
Laut, 50350, Kuala Lumpur

HL.NCM 10%
Intermediate 3 Bedrooms Low Cost Flat
Auction Price : RM 49,208.00 650sf Leasehold
Unit No. E13-8, 13th Floor, Block E, Pangsapuri
Seri Nilam, Jalan Wawasan Ampang 3/8,
Bandar Baru Ampang, 68000 Ampang, Selangor

HL.NCM 10%
Auction Price : RM 180,000.00
Intermediate 2 Storey Terrace House
1302 sq.ft Freehold
No. 8, Jalan Inang 5/9, Bandar Mahkota Cheras,
Batu 9, 43200 Cheras, Selangor

CT.LA 5%
3 Bedrooms Apartment
Auction Price : RM 101,250.00
992 sq.ft Leasehold
Unit No. 2-13-08, Pangsapuri Lagoon Perdana,
Jalan PJS 9/1, 46150 Bandar Sunway, Selangor

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Penjamin Juga Boleh Diisytihar Bankrap

mStar Online
Oleh IWAN SHU-ASWAD SHUAIB

RAKYAT Malaysia yang menjadi penjamin juga boleh diisytiharkan bankrap sekiranya terdapat perintah mahkamah terhadap peminjam utama yang gagal melunaskan hutang.Ketua Pengarah Jabatan Insolvensi Malaysia, Datuk Abdul Karim Abdul Jalil berkata, ia mungkin sukar dipercayai namun itulah hakikatnya menyebabkan banyak pihak terus mempersalahkan jabatan itu.

Menurut beliau, timbul suara tidak puas hati mengatakan Jabatan Insolvensi Malaysia bertindak zalim kerana turut memusnahkan kehidupan mereka yang tidak berhutang.“Perlu diperjelaskan bahawa kami tidak membankrapkan mereka dan sebagai penjamin, mereka sepatutnya bertanggungjawab ke atas jaminan itu.

“Jika peminjam utama gagal membayar hutang maka penjamin perlu mengambil alih tanggungjawab itu,” katanya kepada Mingguan mStar.Dari tahun 2005 sehingga Jun tahun ini, seramai 81,908 individu diisytiharkan bankrap membabitkan jumlah hutang RM71.36 bilion.

Daripada jumlah tersebut, 4.66 peratus merupakan penjamin sosial manakala penjamin korporat 5.32 peratus.

Abdul Karim berkata, isu penjamin diisytiharkan bankrap menimbulkan pelbagai reaksi dan kekecohan kerana menyifatkan tindakan itu tidak adil.Bagaimanapun katanya, kedudukan penjamin dipinda menerusi Akta Kebankrapan 1967 pada tahun 2003 telah mewujudkan perbezaan antara peminjam utama dan penjamin.

“Pindaan telah menjelaskan bahawa pemiutang tidak boleh mengenakan tindakan undang-undang terhadap penjamin secara terus kecuali boleh dibuktikan di mahkamah membabitkan hutang peminjam utama,” ujarnya.Menurut beliau, Jabatan Insolvensi Malaysia turut mempunyai budi bicara bagi membantu penjamin keluar daripada status kebankrapan dengan persetujuan pemiutang.

Tambahnya lagi, rundingan bukan saja membabitkan permohonan pelepasan kebankrapan malah jumlah bayaran hutang yang perlu dijelaskan atau dividen.Justeru, beliau menasihatkan orang ramai supaya tidak mudah menjadi penjamin dan mengambil langkah berhati-hati.

“Paling penting, kita perlu tahu kemampuan untuk menjadi penjamin, mengenali siapa yang mahu berhutang dan keupayaannya untuk membuat bayaran. “Jangan menjamin seseorang itu atas dasar kasihan kerana kesannya kelak tidak akan mengasihani kita. Buat keputusan dengan bijak,” kata Abdul Karim.

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Selamat Menyambut Ramadhan al-Mubarak

Selamat berpuasa kepada semua umat Islam. Semoga ibadah kita diterima olehNya. :)

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Property Intensive by Milan Doshi

Berlangsung pada Sabtu 7 Ogos 2010. Dpt invitation drpd Jelitawan Hartanah memandangkan dia ade satu tiket lebih. Apalagi aku pon on sajelah... Kalau pi sorang2 xde kawan pon x best jugakkan... Sape x kenal Milan Doshi, kira dia ni mcm Robert Kiyosaki versi Malaysia lah... sempoi aje... dia sendiri yg bagi talk... Ari tu waktu aku pi preview Renesial Leong tapi org lain yg bagi talk... perghhh x sangka aku berdepan dgn Milan Doshi live!

Start pukul 7- 10 malam. Tapi dekat kol 8 baru aku masuk kelas (solat maghrib dulu daa). Duduk tgh2... x berapa nampak slide sbb xde pentas. kena berdiri baru nampak slide sampai habis ke bawah. tak kisahla sbb Ani kata nanti dia emel slide tu. Antara point2 penting yg aku ingat sampai ke saat ini :

1. Jangan takut utk apply loan. Applylah sebanyak dan selama mungkin. Lagi byk loan lagi kayala korang... (Ehem... loan hartanah saje ye!). At the end of the day, inflasi akan menjadikan jumlah yang kita bayar samada sama atau kurang drpd jumlah loan yg kita pinjam *adalah cara pengiraan dia sertakan sekali*

2. Kita kerja sebab nk dptkan payslip, payslip tu kita gunakan untuk buat loan untuk investment yg akan menjadikan kita financial freedom a.k.a kaya raya.... seronok tak?

Itu je yg aku igt setakat ni... dan amat bermakna la utk diri aku ni... lastly dia promote masuk seminar dia 3 hari... harganya murah shj... rm6998. woha! Gilelah... lebih kurang je dgn harga seminar Renesial Leong. Tapi tadi aku baru dpt emel. Ada seminar drpd Juanita & friends dengan harga yg lebih murah. Pilihan di tangan masing2... Tepuk dada tanyalah poket anda ye!

Oh ye, first time saya jumpa jelitawan hartanah ni, orgnye mmg nampak berkarisma dan berpandangan jauh. Tak mustahil akan jadi 'somebody' satu hari nanti. Nice to meet you, Ani :) Cuma terlupa nk amik gambar sama2 sbg kenangan. Takpe lain kali boleh jumpa lagi insyaAllah...

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14 Ogos 2010 (3)

AMB.ET 5%
Auction Price : RM 72,000.00
2 + 1 Bedrooms Apartment 870sf Leasehold
Unit No. 1-6-12, 6th Floor, Block 1,
Greenview Apartment, Jalan 2/40, Taman
Pusat Kepong, 52000, Kuala Lumpur

AMB.ET 5%
Auction Price : RM 74,700.00
2 + 1 Bedrooms Apartment 855sf Leasehold
Unit No. 1-6-24, 6th Floor, Block K, Green
View Apartment, Jalan 2/40, Taman Pusat
Kepong, 52000 Kepong, Kuala Lumpur

SC.ET 10%
Auction Price : RM 157,250.00
3 Bedroom Condominium Bumi Lot
926sf Leasehold Expiring on 4 September 2102
No. A-13-11, Block A, Cengal Condominium,
Jalan Sri Permaisuri 3, Bandar Sri Permaisuri,
56000, Kuala Lumpur

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13 Ogos 2010 (3)

CIMB.NM 10%
EXtended 2 Storey Corner Terraced House
Auction Price : RM 380,000.00
2933 sq.ft Leasehold expiring on 27-10-2075
No. 2, Jalan Ubin, Taman Melewar,
68100, Kuala Lumpur

UOB.AZ 10%
Intermediate 2 Storey Compact Terrace House
Auction Price : RM 135,000.00
770 sq.ft Freehold
No. 33, Jalan SG 9/26, Taman Sri Gombak,
68100 Batu Caves, Selangor

AMB.TC 5%
Auction Price : RM 70,000.00
3 Bedrooms Flat 650 sq.ft
No. D-15-8, Block D, Perumahan Rakyat
Pantai Permai, Jalan Pantai Permai,
Pantai Dalam, 59200, Kuala Lumpur

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12 Ogos 2010 (2)

STC.AA 10%
Auction Price : RM 175,000.00
3 Bedroom Apartment 1232 sq.ft Leasehold
Unit No. 5A-301, Emerald Hill Condominium,
Changkat Bukit Indah 2, Taman Bukit Indah
68000 Ampang, Selangor

HSBC.JAR 10%
2 Storey Terrace House
Auction Price : RM 280,000.00
1540 sq.ft Freehold Bumi Lot
No. 9, Jalan Perwira Indah 2, Taman Perwira
Indah, Gombak, 53100, Kuala Lumpur

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11 Ogos 2010 (2)

EON.RU 10%
2 Storey Terrace House
Auction Price : RM 142,000.00
770 sq.ft Freehold
No. 28, Jalan SG 9/3, Taman Sri Gombak,
68100 Batu Caves, Selangor

AMB.MCL 10%
End Unit 2 Storey Terrace House
Auction Price : RM 300,000.00
1260 sq.ft Perpetuity
No. 278, Jalan F2, Taman Melawati,
53100, Kuala Lumpur

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10 Ogos 2010 (5)

SS.EA 10%
Auction Price : RM 250,000.00
Extended And Renovated 2 Storey Corner
Low-Cost Terrace House 1959 sq.ft Leasehold
No. 1, Jalan PJS 4/25, Taman Lindungan Jaya,
46000 Petaling Jaya, Kuala Lumpur

SS.EA 10%
Extended 2 Storey Corner House
Auction Price : RM 250,000.00
1959 sq.ft Leasehold expiring on 22-03-2086
No. 1, Jalan PJS 4/25, Taman Lindungan Jaya,
46000 Petaling Jaya, Selangor

HL.EA 10%
Auction Price : RM 390,000.00
2 1/2 Storey Semi-Detached House 2100 sq.ft
No. 21, Jalan BRP 2/1G, Bukit Rahman Putra,
47000 Sungai Buloh, Selangor

HL.EA 10%
Auction Price : RM 190,000.00
2 Storey Corner Unit Terrace House 3197sf
No. 80, Jalan SP 3/9, Seri Pristana,
47000 Sungai Buloh, Selangor

HL.EA 10%
Auction Price : RM 165,000.00
3 Bedrooms Condominium 920 sq.ft
Unit No. B-2-10, Bayu Tasik Condominium,
No 1, Jln Sri Permaisuri 5, Bandar Sri
Permaisuri, 56000, Kuala Lumpur

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9 Ogos 2010 (3)

CT.PMS 10%
Auction Price : RM 145,000.00
1 Storey Low-Cost Intermediate Terraced House
700 sq.ft Freehold
No. 4, Jalan Dagang 4, Taman Dagang Jaya,
68000 Ampang, Selangor

AMB.PAH 5%
Auction Price : RM 110,000.00
3 Bedroom Apartment 810 sq.ft
Unit No. C-3-18, 3th Floor, Wing C, Pangsapuri
Vistaria, Jalan DM 1, Taman Desamillenia,
47150 Puchong,, Selangor

HSBC.PA 10%
Auction Price : RM 170,000.00
588 sq.ft Freehold
3 Storey Medium-Cost Mid Terraced House
No. 33, Jalan 40/27B, Taman Desa Setapak
53300 Setapak Kuala Lumpur, Kuala Lumpur

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7 Ogos 2010 (21)

EON.NCM 10%
3 Bedrooms Low Cost Apartment
Auction Price : RM 48,600.00
Land Area : 652 sq.ft Bumi Lot
Unit No. B7-2-17, Block 7, Jalan PJS 5/2A,
Desa Mentari, 46150 Petaling Jaya, Selangor

EON.NCM 10%
Auction Price : RM 110,000.00
3 Bedrooms Condominium 850 sq.ft
Unit No. D-09-15, 8th Floor, Block Delima,
Vista Millennium Condominium, Jalan DM 1,
Taman Desa Millennia, 47100 Puchong, Selangor

EON.NCM 10%
3 Bedrooms Low Cost Apartment
Auction Price : RM 55,000.00
652 sq.ft Bumi Lot
Unit No. B8-10-23, Block B, Jalan PJS 5/4A,
Desa Mentari, 46150 Petaling Jaya, Selangor

EON.NCM 10%
3 Bedrooms Medium Low Cost Apartment
Auction Price : RM 55,000.00
Land Area : 650 sq.ft
Unit No. 2-4-18, 4th Floor, Block Dedap 2,
Gugusan Dedap, Jalan Kenyalang 11/1, Kota
Damansara, 47810 Petaling Jaya, Selangor

EON.NCM 10%
Auction Price : RM 105,000.00
3 Bedrooms Apartment 764 sq.ft Bumi Lot
Unit No. C-4-7, Block C, Mentari Court
Apartment, Jalan PJS 8/9, Taman Seri Mentari,
46150 Petaling Jaya, Selangor

EONI.FA 10%
Auction Price : RM 81,000.00
3 Bedrooms Apartment 700 sq.ft
No. D3-T11-U04, Pangsapuri Putra Harmoni,
Jalan P9 B/2, Presint 9, 62250 Putrajaya,
Wilayah Persekutuan Putrajaya, Selangor

EONI.FA 10%
Auction Price : RM 80,000.00
3 Bedrooms Apartment 850 sq.ft
Unit No. 2-4-15, 4th Floor, Block 2, Pangsapuri
Resak, No. 8, Jalan Pulau Angsa U10/14,
Bandar Puncak Perdana, 40150 Shah Alam, Selangor

EON.FA 10%
Auction Price : RM 36,000.00
3 Bedrooms Low Cost Apartment 650 sq.ft
No. A-09-26, Block A, Pangsapuri Rimba, Jalan
Lengkuas 16/19, Seksyen 16, 40200
Shah Alam, Selangor

EON.FA 10%
Auction Price : RM 140,000.00
918 sq.ft 3 Bedrooms Apartment
No. 4-6, Prima Tiara 1, No. 4, Jalan 6/38A,
Taman Sri Sinar, Segambut, 51200, Kuala Lumpur

EON.FA 10%
Auction Price : RM 320,000.00
2 Storey Intermediate Terrace House 1787sf
No. 28, Jalan Rimba Riang 9/3A, Section 9,
Kota Damansara, 47810 Petaling Jaya, Selangor

EON.FA 10%
Auction Price : RM 100,000.00
3 Bedrooms Medium Low Cost Apartment 758sf
Unit No. 12-19, 12th Floor, Permai Prima
Apartment, Jalan Permai M, Bukit Ampang Permai,
68000 Ampang, Selangor

CIMB.PAH 5%
Auction Price : RM 300,000.00
2 Storey Terraced House 1647 sq.ft
No. 50, Jalan Cecawi PSB 6/13, Section 6,
Kota Damansara, 47810 Petaling Jaya, Selangor

CIMB.NCM 5%
Auction Price : RM 58,500.00
Corner 3 Bedrooms Medium Low Cost Flat
650 sq.ft Bumi Lot
No 2-5-19, Gugusan Dedap, Jln Merbah 11/1, Section
11, Kota Damansara, 47810 Petaling Jaya, Selangor

CIMB.NCM 5%
Auction Price : RM 50,000.00
3 Bedrooms Low Cost Flat 600 sq.ft
No. 6-5-7, Tanjung 6, Jalan Cecawi PSB 6/19,
Section 6, Kota Damansara, Petaling Jaya,
47810, Selangor

CIMB.NCM 5%
Auction Price : RM 205,000.00
2 Bedrooms + 1 Study Room Apartment 1023 sf
No. D-415, 4th Floor, Block D , Palm Spring @
Damansara Condominium, Section 13, Jalan PJU 3/29,
Kota Damansara, Petaling Jaya 47810, Selangor

CIMB.NCM 5%
Auction Price : RM 85,000.00
Intermediate 3 Bedrooms Low Cost Flat 685sf
No. 18-3-8, 3rd Floor, Block 18, Jalan 5/112A,
Taman Bukit Angkasa, Off Jalan Pantai Dalam,
59200, Kuala Lumpur

CIMB.NCM 5%
Auction Price : RM 67,000.00
2 Bedrooms Apartment 592 sq.ft Bumi Lot
No. 304, 2nd Floor, Block 8, Section 8,
40000 Shah Alam, Selangor

CIMB.PAH 5%
Auction Price : RM 109,400.00
Condominium 883 sq.ft
No. A-901, Block A, D'Casa Condominium,
Jalan Wawasan 1/10, Bandar Baru Ampang,
Ampang 68000, Selangor

CIMB.PAH 5%
Auction Price : RM 52,700.00
3 Bedrooms Flat 657 sq.ft Bumi Lot
No E9-09-11, Block E, Pangsapuri Angsana,
Persiaran Mewah, USJ 1, 47620 Subang Jaya,
Selangor

CIMB.PAH 5%
Auction Price : RM 140,000.00
2 Bedrooms Services Apartment 603 sq.ft
No. B21-11, Rhythm Avenue, Persiaran Kewajipan,
USJ 19, 47630 UEP Subang Jaya, Selangor

CIMB.PAH 5%
Auction Price : RM 93,200.00
750 sq.ft Apartment
Unit No. 15-1A, 1st Floor, Block D, Jalan OS 1/4,
One Selayang, 68100 Batu Caves, Selangor

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5 Ogos 2010 (3)

RA.SA 10%
2 Storey Low Cost Mid Unit Terrace House
Auction Price : RM 90,000.00 840 sqf Bumi Lot
Leasehold expiring on 14th September 2091
No. 49, Jalan PJS 2D/7, Taman Medan,
46000 Petaling Jaya, Selangor

CIMB.FA 10%
2 Storey Mid Terrace House
Auction Price : RM 133,650.00
770 sq.ft Freehold
No. 34, Jalan Sg 10/2, Taman Sri Gombak,
68100 Batu Caves, Selangor

AMB.AZA 10%
Auction Price : RM 76,500.00
3 Bedrooms Flat 775 sq.ft Freehold
No. C-02-114, 2nd Floor, Block C, Segar
Apartment, Jalan 1A, Taman Segar, Kuala Lumpur

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