Tiara Mutiara I latest update !

Swiming pool ready ! Greenery and great design

Gym room with lots of facility around

Treadmill machinary

Sneak preview of my living hall, small unit aje

Kitchen cabinet with Electrolux Hood and Hob

Spa style shower room

Master Bedroom

Tiara Mutiara Phase I update !

Phase II scene, but the place has been fenced up by blue wall

River that divide Sri Sentosa and jln puchong

Corner view, the small room at the left side is for rubbish keeping

Retail shoplot, some banks and food chain restaurants and fashion boutique would be awesome !

Managed to go 5th floor, the Chill out area, Swimming pool, Jacuzzi spa, Yoga deck and Gym workout, of course it's not entirely ready, need final touch up

Pool view, 40 or 60 feet length, 1.5m depth

Jacuzzi spa, can fit in quite some numbers

This corner unit, either cater for gym workout area or community hall, height less than 10 ft, sigh!

Sri Sentosa view

Pool view choice unit

 

 

Next to pool side, mini water fall system

Guess which unit am I

 

 

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Budget 2012

Dear Everyone, 

It's me again, due to overwhelming request to grasp more on third house financing facility with maximum loan to value 70%, I've done some survey and happy to share with you all some scenarios on 3rd house loan ;- 

For your information, our beloved banks (I regards it as my ATM) will only refer to existing home loan. Bank will not base on Sales and Purchase agreement or ownership of the property.



Example 1 :


Mr A has 3 existing home loan with few banks.

Ms B has only 1 existing home loan with bank.

Now, Mr A would like to purchase a new house with Ms B. Sales and Purchase agreement under Mr. A and Ms B.



Scenario 1:

The new home loan under Mr. A name. The home loan entitlement will be up to margin 70% only. Because, this is Mr A’s 4th home loan.



Scenario 2:

New home loan under Ms B name only. The home loan entitlement will be up to margin 90%. Because, this is Ms B’s 2nd home loan.



Scenario 3 :

New home loan under Mr A and Ms B name. The home loan entitlement will be up to margin 70%. Because, this is Mr A’s 4th home loan.



Example 2:

Mr A has 2 existing home loans with bank. Recently, he sold one of the houses, Sales and Purchase agreement signed. CCRIS still appear this home loan.

Today, Mr A purchased a new house.

If he applied a home loan for the new house, what is the entitlement?

Answer: Up to 70%.  Because, it is consider 3rd home loan. His existing home loan still appears in CCRIS report.

If the home loan no longer appears in CCRIS, then his entitlement for home loan will be 90%.



Example 3:

Mr. A don’t have any property under his name. Basically, he didn’t own any house. But, he has 2 home loans co-joining with his sister and brother. He joined as a co-borrower because both of his brother and sister do not have sufficient income at that moment.

Now, he interested to purchase first house under his name and apply a home loan. What is his entitlement?

Answer :  Up to 70%. Since, the new home loan will be 3rd home loan.



Example 4:

Mr A has 10 houses around Malaysia. All houses are fully paid or buying with cash. Now, he is purchasing a new house and would like to apply for a home loan. What is his entitlement?

Answer: Up to 90%.

  

CCRIS is a Bank Negara sponsored system that supports Credit Bureau's function. Credit Bureau primary function is to collect credit information on borrowers from financial institutions and supplies the information back to financial institutions.

Happy reading !

Budget 2012

Dear All,

As 2011 come to an end, many of us take time to reflect. Many have describe it as a roller-coaster marked by wild fluctuation market. The sentiment market led to a challenge but at the same time created enormous opportunities if one finds it well. My question here is what have you done for the past year ? Excitement, achievement, overjoy, keep your answer with yourself.

Today is a marvelous day and I would like to share some highlights of 2012 budget which could be useful and hopefully you'll gain from it.

Enjoy !

1) Personal Tax relief (for those who want to know more on corporate tax relief, can come and look for me)
For an individual who is a tax resident makes the following contributions in 2012;
Contribution to EPF                                                                      RM 10,000
Contribution to deferred annuity (contracted after 1st Jan 2010)        RM 3,000
He/She is entitled to the following tax reliefs:

Prior to year of Assessment 2012 (RM)
Contribution to EPF (maximum)   6,000
Contribution to deferred annuity    1,000
Total reliefs                                 7,000

Year of Assessment 2012 (RM)
Contribution to EPF (maximum                       6,000
Contribution to PRS (Private Pension Fund)     3,000
Total reliefs                                                   9,000

Meaning that you'll more tax rebate, thumbs up !

a) To encourage skilled Malaysian professionals to return and boost the country's economic growth, Government has implemented the REP (Returning Expert Programme), the employment income of an approved individual will be taxed at a flat rate of 15% for a period of 5 years. The tax rate of 15% is meaningful to a returning expert who earns annual chargeable income of at least 100,000 is about 15,000.

Personally I don't find it very attractive but somehow, if you do have sister 2 or brother 2 tiring of abroad, it might be an added benefit for you to encourage them to come HOME. Ultimately, Malaysia is still a fantastic country to live in !

b) Hybrid and electric cars are given 100% exemption of import duty and excise duty on new completely-built-up (CBU) hybrid and electric cars. The exemption is given for one year commencing from 1st Jan 2011 until 31st Dec 2013.

Meaning to say Hybrid and electric cars will get a better deal, be sure you look for value car because car is liabilities, the moment you buy a car, your car value will depreciate by minimum 7-10%. Anyway, if you plan to change, don't forget to give Stephen a ride. Thank you in advance.

c) Majority of our income tax rates fall under 12 - 24%, with effective from Y2010, the employment income of an individual who is a knowledge worker residing in Iskandar Development Region Malaysia and is employed with a person who is carrying on a qualified activity would be taxed at 15% of his or her chargeable income.

Islandar Development Region - Nusajaya, Western Gate Development, Johor Bahru Central Business District, Eastern Gate Development and Skudai - Senai. Government is putting lots of focus on IDR, be sure you have at least a brick of it for long term investment !


2) Stamp Duty on loan Agreement

Presently, stamp duty on loan agreements for the purchase of residential properties is 0.5% on the loan value. As for loan agreements in relation to the purchase of the first residential property up to RM 350,000, a stamp duty exemption of 50% is given on condition that the S&P is executed from 1st Jan 2011 until 31st Dec 2012. Also, there'll be full stamp duty exemption be given on loan agreements for the purchase of residential properties under the PR1MA priced up to RM 300,000 effective from 1st Jan 2012 to 31st Dec 2016.

Whoever interested in getting a new home or intend to get a 2nd or 3rd or etc, please ensure your S&P price is fall below the above said value to be eligible under the scheme. Most of the time, S&P price is before discount or rebate given by developer, make sure you don't get trap in to situation e.g your property would cost 365,000 and developer is giving 20,000 rebate for the purchase, you'll not eligible for the stamp duty exemption of 50% if the S&P price stated 365,000 and Am pretty sure your S&P price will be 365,000 unless otherwise informed by the developer !

3) RPGT (Real Property Gains Tax) for flipper or property investor be sure you 100% attention on this point 

Based on exemption orders issued by the Minister of Finance, the RPGT rate is standardized at 5% for gains on disposal of real property which have been held for not more than 5 years. For disposal  of real property after the fifty year, the RPGT rate is NIL.

Effective 1st Jan 2012, RPGT rates on the gains from the disposal of residential and commercial properties be reviewed as follows;-

Holding Period                Companies       Individual (citizen & permanent resident)     Individual (non-citizen) 
Up to 2 years                       10%                                       10%                                        10%
Exceed 2 until 5 years           5%                                         5%                                          5%
Exceed 5 years                     0%                                        0%                                           0%

For flippers, if profit is good and you in need of cash, sell it, otherwise, hold it for a minimum of 2 years to gain some tax relief. Every Malaysian citizen is entitled of 1 time waiver of RPGT, so use it wisely!

4) Budget allocation (see me personally, and we can discuss on the risk and opportunity of the allocations for this 2012 budget) 


It's morning now and Egg yolk is rising, so I shall end my sharing here. Breakfast time !

Thank you for your time and happy reading.

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