Archive for October, 2013

Pagi ni nak melebarkan sayap ke bidang hias-hias gitu. Bukan hiasan pelamin ke ape ke..Ni hias rumah la. Mungkin ramai nak tahu mungkin tak ramai. Itu terpulang sebab aku memang suka berkongsi ape yang ade di minda.

Ok, kali ni nak sentuh pasal sinki. S.I.N.K.I je. Yang lain biar dulu. Macam-macam jenis lah sinki nih. Banyak design sinki yang boleh dijadikan contoh sebagai rujukan sebelum kita membelinya.
Ape yang penting dalam pemilihan sinki ialah:-

1) Bersesuaian dengan kawasan – kalau sinki untuk area dapur mungkin korang perlukan sinki yang agak besar sedikit. Tapi berlainan dengan sinki untuk cuci tangan sahaja, yang mana mungkin agak kecil dan berada di suatu sudut dalam satu ruangan.

Sinki jenis 1 paip 2 basin

Sinki jenis 1 paip 2 basin

2)Design yang menarik – Kadang-kala design sinki juga boleh mempengaruhi suasana ruang dapur untuk kelihatan lebih menarik. Sekarang memang sangat banyak design sinki yang menarik korang boleh dapatkan dekat mana-mana kedai hiasan rumah. Kalau pandai cari boleh dapat design unik pada harga yang murah!

Sinki bentuk ape ntah.

Sinki bentuk ape ntah.

Sink bentuk love pon ade!

Sink bentuk love pon ade!

Ade sesetengah individu yang meminati perkakasan yang boleh dikatakan ‘outdated’ atau lama. Dorang kumpul barang-barang antik untuk dijadikan perhiasan rumah. Gambar kat bawah contoh sinki antik yang aku belom pernah tengok secara ‘live’.

Sinki landasan keretapi yang boleh dilipat

Sinki landasan keretapi yang boleh dilipat

Ade jenis sinki yang digunakan dekat hotel-hotel boleh juga digunakan dirumah. Design simple tapi nampak eksklusif. Biasanya digunakan dalam bilik mandi la.

Jenis sinki yang digunakan di hotel-hotel

Jenis sinki yang digunakan di hotel-hotel

Ape-ape pon korang kena berfikiran kreatif dalam pemilihan sinki kalau nak guna design unik. Kang tak pasal-pasal memburukkan lagi mata memandang kalau salah pilih! Nak pilih sinki pon kena brainstorm.
OK?

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Aku rasa buat masa sekarang memang sesuai untuk memulakan pelaburan hartanah. Ape yang nak ditunggu lagi? Cari ilmu dan bertindak! Bukan ape..cari ilmu je tapi tak praktik memang takde guna. Tiada manfaat disitu. Tujuan melabur adalah untuk mencari lebihan wang. Aku dapat rasa yang ini adalah waktu yang amat sesuai untuk melabur. Kenapa?

Selepas Bajet 2014 dibentangkan aku perhatikan trend rumah yang diiklankan semakin banyak dari hari ke hari. Ade jugak la call 2 3 orang ajen tanya dorang cakap memang owner nak jual rumah cepat. Aku pon tak pasti jugak kenapa macam tu paal mulanya. Tapi bila beberapa kali buat survey memang ternyata desas-desus yang dikhabarkan oleh Abang Ensem sangat jitu. Pengalaman yang ada pada beliau sudah cukup untuk aku mempercayai setiap ayat-ayat yang ditulis didalam blog beliau.

Ape yang aku boleh cakap, antara sebab utama owner nak jual rumah adalah berkait rapat dengan RPGT yang diumumkan dalam Bajet 2014. RPGT(Real Property Gain Tax) secara mudah faham adalah cukai yang dikenakan bila kita jual rumah. Tengok kat bawah untuk penjelasan ringkas mengenai RPGT:

RPGT;
3 tahun pertama : 30% daripada harga hartanah
tahun ke-4 : 20% daripada harga hartanah
tahun ke-5 : 15% daripada harga hartanah
tahun ke-6 dan seterusnya : 0% daripada harga hartanah

Kat sini kita boleh nampak bila owner tak dapat pegang lama sesebuah hartanah dia akan sedaya-upaya menjual hartanah supaya tidak terbeban dengan komitmen bulanan yang bakal dihadapinya tambahan dengan tax yang tinggi.

So,sape-sape yang mulakan pelaburan jangan segan-silu untuk hadiri seminar Abang Ensem (2 kali aku promote kat sini haha) boleh pergi ke blog beliau untuk tempahan kerana seminar beliau murah giler.(baru RM88 yuran)

Ramai yang tak sabar nak dengar ape yang akan dibentangkan dalam Bajet 2014 esok (Jumaat, 25 Oktober 2013). Terlalu banyak permintaan yang rakyat kemukakan kepada kerajaan. Seronok aku baca kat sini, website rasmi untuk Bajet 2014. Sape-sape pon boleh drop komen sebagai cadangan dan pandangan mengenai ape sahaja topik untuk dijadikan isu.

Banyak. Tapi kat sini aku nak fokus pasal isu hartanah je ok? Topik-topik yang lain tu korang buat rumusan sendiri la ye. Haha. Tengok contoh gambar kat bawah.

Komen dalam bajet 2014

Rata-rata rakyat minta kerajaan turunkan harga rumah supaya rakyat dapat beli rumah untuk didiami. Rasa-rasa korang turun tak harga rumah? Jawapan ini korang tengok esok la ye. Haha. Aku tak boleh komen detail.

Tapi ape yang aku nak ketengahkan ialah bila harga rumah makin meningkat golongan yang berpendapatan sederhana dan kecil agak sukar untuk membeli rumah sendiri. Di tambah dengan ura-ura untuk menaikkan peratus RPGT (Real Property Gain Tax). Korang tahu ke ape itu RPGT?

Simple explaination aku boleh bagi. RPGT tu cukai yang dikenakan bagi sesiapa yang ingin menjual tanah atau rumah tak kira la rumah pertama ke kedua ke ketiga ke.

Sebenarnya, masih ada peluang untuk kita rakyat beli rumah pertama. Masalahnya, semua nak beli ikut emosi. Kenapa aku cakap macam tu? Contoh, Dollah gaji dia RM1500 dan bini dia suri rumah. Dorang berdua baru je kahwin dan Dollah sudah beli kereta baru yang bulanan ansurannya RM500. So bini Dollah mengimpikan rumah idamannya dan berhasrat untuk miliki rumah idamannya tu. Cari punya cari jumpa lah rumah idaman dorang iaitu rumah teres 2 tingkat yang berharga RM 300,000. Persoalannya mampukah Dollah beli rumah itu? Semestinya tidak. Sebab Dollah tak mampu bayar ansuran bulanan.

So, sape-sape yang tak berkemampuan pilih lah rumah yang korang mampu milik. Apartment pon ok dah untuk permulaan. Jangan cari yang korang tak mampu. Nanti nak beli susu anak pon tak lepas. Dah stabil dan ada lebihan duit disebabkan gaji bertambah baru la pindah ke rumah yang lebih selesa.

P/S: Apepun apa yang dibentangkan dalam Bajet 2014 nanti ok ke tak keputusannya korang kena terima jugak kan? Atau dah standby nak buat bantahan? Haha..jangan-jangan.

Kali ni aku nak cerita kenapa title yang aku buat cenggitu. Ianya ada kaitan dengan apa yang aku plan bermula dari pertengahan tahun 2013 sehingga pertengahan tahun 2014.

Mungkin ada yang menganggap aku ada buat salah dengan mama aku kan. Takde la. Setakat ini aku kalau buat silap pon takkan cerita kat sini haha. Tapi itu bukan isu yang aku nak timbulkan.

Sebenarnya aku baru je dapat approve dari bank dotdotdot pasal pembiayaan peribadi. Isunya sebab mama aku tak kasi aku buat pembiayaan peribadi untuk urusan perkahwinan. Almaklumlah sekarang aku memang tengah prepare kaw-kaw pasal urusan kahwin. So memang makan belanja yang agak besar dan agak sibuk.

So, kalau bukan untuk kahwin untuk ape aku buat pembiayaan peribadi? Untuk suka-suka? Of course la tak. Aku bukan jenis yang suka berhutang tanpa sebab yang kukuh. Jadi aku nak kongsi sedikit la kenapa aku gatal tangan nak gi pinjam duit bank ni.

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Tujuannya tak lain dan tak bukan ialah untuk permainan hartanah yang aku baru saje ceburi ni. Asalkan ade matlamat, strategi (aturan dan cara keluar permainan) dan tindakan yang dilakukan memang akan mengurangkan risiko untuk melabur dalam hartanah.

Ape yang penting sebelum melabur didalam hartanah:
1) Buat pelaburan ilmu dahulu; kerana dengan ilmu saje baru kita berani untuk memulakan pelaburan hartanah dan tidak ditipu oleh pihak-pihak yang tidak bertanggungjawab.
2) Cari guru atau sifu; Kerana ilmu tanpa guru adalah sia-sia. Belajar sesuatu tanpa guru diibaratkan seperti belajar dengan syaitan! (jangan main-main wo.)
3) Kembangkan ilmu; kongsi dengan kawan-kawan yang mempunyai minat yang sama dengan kita.
4) Hadiri seminar hartanah untuk menambahkan ilmu berkaitan hartanah; kerana di luar sana ramai otai-otai pelabur hartanah yang terbukti dengan pengalaman mereka telah berjaya menguasai ilmu hartanah dan mengumpul banyak hartanah. ( Aku dengar ade yang kumpul sampai 100 buah hartanah dan lebih!)

So apepun aku boleh cakap memang tak menyesal lah kalau korang ceburi bidang hartanah ni sebab harga hartanah memang meningkat dan akan terus meningkat. (tak caya cuba google sendiri atau buat analisis dari tahun ke tahun tentang harga sesebuah kawasan yang panas.)

Aku yang masih sebulan dua jagung ni (peribahasa asal: setahun jagung) tengah nak berjinak-jinak dan in sha Allah akan berkongsi apa pengalaman yang aku hadapi untuk capai matlamat pelaburan aku. Aminn.

The property “cooling down” mechanisms to be implemented by the Johor government to slow down foreign property ownership in the state will severely affect foreign direct investment (FDI) inflows, said a well-known developer.

IJM Land, CEO and MD Datuk Soam Heng Choon said foreigners will not stop buying properties in Johor, given Iskandar Malaysia’, development is a major property buying booster, but will definitely slow down their investment participation and dampen buying sentiment.

He said there are many high-end property developments that are currently undertaken in Johor — not to attract the locals but merely to cater to the evergreen foreign demand, especially from Singaporeans.

He also questioned the relevance of the state government’s approvals to all the high-end projects, if it wants to implement the cooling down measures.

“I think the state government must ask themselves, if they want to cool down the market for foreign buyers, then why do they allow more high-end projects?

“The fact is that for higher-end properties in Malaysia, we still need foreign buyers to come and support us, especially for properties over RM1,000 per sq ft,” he told The Malaysian Reserve, at the sidelines of the pre-launch of Seri Riana Residence (second phase) units yesterday.

Soam was responding to questions on a previous news report that the Johor state government is going to impose processing fee on foreign property buyers, between 4% and 5% of the property value purchased.

The move, which indirectly enables the state government to control the sale of properties to foreigners, was a drastic hike if compared to the fixed rate of RM10,000 that the state authorities impose at the moment.

IJM Land has five development projects in Johor, namely serviced apartments such as D’Ambience at Permas Jaya, Epic at Iskandar Malaysia and Suriamas Suites in Kampung Serantau, while its higher-end projects Nusa Duta at Persisiran Perling and Sebana Cover are a mixture of townhouse, resort and bungalow.

“Implementing new policies or changes in existing policies are not something new to us.

But at the same time, we want a clear policy with efficient enforcement,” he said, adding that if the Johor government imposes such cooling measures on foreign buyers, it will not affect IJM Land as much as their developments are affordable housing projects, not high-end.

He said most of IJM Land’s projects in Johor are priced around RM400,000 or less.

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The Johor government will start to charge processing fee on foreigners buying houses in the state based on the property value beginning next year.

The announcement may be a prelude to the much anticipated announcement of measures to cool down the property sectors in the upcoming government budget.

One of the expected measures is the imposition of a higher real property gains tax to curb excessive speculation, which is one of the reasons blamed for the hike in property prices in recent years.

A Bernama report yesterday quoted state executive councillor for housing and local government Datuk Abdul Latiff Bandi as saying the new condition from the current requirement to pay only a RM10,000 fee is to protect the Johoreans’ interest.

The processing fee between 4% and 5% of the property value purchased indirectly enables the state government to control the sale of properties to foreigners, he said.

“For instance, foreigners buying a property worth RM5 million will have to pay only RM10,000 as processing fee currently. From next year, they have to pay based on the property value,” the report quoted Abdul Latiff as saying after he opened a seminar on Green Industry 2013 yesterday.

The report quoted Abdul Latiff as saying that the proceeds from the fee will be used for projects and programmes towards developments in the state for the people.

“We will table the new condition in the budget sitting of the state legislative assembly, which will sit soon, for approval,” he said.

He also said the state government will also review the rental rate to obtain the temporary occupation licence for the sites of billboards.

“There are more than 1,000 billboards in 16 local authority areas in the state. At present, the owners are paying only RM100 rental for the sites for a year. The rental will be increased to an appropriate rate,” he added.

On the other hand, Malaysia Property Inc (MPI) has urged Malaysian property developers to embark on an aggressive marketing campaign to attract foreigners to buy into local properties as a way to increase foreign investment in the country.

An earlier report by The Malaysian Reserve quoted MPI GM Veena Loh (picture) as saying that the number of foreigners buying Malaysian property has been stagnant in the past few years.

According to MPI’s data, Johor has seen an increase in foreign buyers from 12% in 2010 to 14% in 2012 due to the emerging Iskandar Malaysia project.

Foreigners made up just 7.2% of buyers in 2010 and 7.3% in 2012. Loh said most of these purchases were for business reasons and that there is ample room for improvement.

“We do not have a specific target on the number of foreign buyers…however, the current number is very minimal and there is room for more to invest in,” she said at a property developer forum held in regards to Budget 2014 in Petaling Jaya last month.

Loh said MPI, which matches up foreign investors with real estate opportunities, has been marketing Malaysian property in Indonesia, Japan, Singapore, China, India and South Korea.

“So far, the results are very promising especially for property in hot areas such as Penang, Johor, Kuala Lumpur and Selangor,” she said. However, in Penang, the percentage of foreign property buyers decreased from 10% in 2010 to 6.7% in 2012.

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The Asia Pacific Trade and Expo City (APTEC) project in Iskandar led by Malaysian Pacific Corp Bhd (MPCorp) is expected to see an investment of RM3 billion over a period of five years.

The project, aimed at promoting Malaysia as Asia’s “economic corridor” will require participation from various countries in the 10- member Asean region, India, South Korea and many others.

“We are in talks with various countries for partnerships and they liked the idea. Recently, I met the Indian Minister of Commerce and he was interested in the project,” MPCorp chairman and CEO Datuk Bill Ch’ng told The Malaysian Reserve last Friday on the sidelines of the 5th World Chinese Economic Forum in Kuala Lumpur.

The project, when completed, will provide about three million sq ft of space where consumer product manufacturers from various countries can showcase their products.

The aim is to turn the Malaysian states bordering Johor into a consumer products trade hub for the region, he pointed out.

“The funding for the project is to be done from internally generated funds and borrowings.

Some of it will also come from other stakeholders,” Ch’ng said.

MPCorp inked a memorandum of understanding with China’s state-owned corporation Black Sea Horizon Investment Holdings Ltd last Friday.

Black Sea is involved in consumer trade, property development, hospitality, oil refineries and oil trade. MPCorp, as a property development company, will be the anchor partners for the project, said Ch’ng.

The two companies will coordinate and secure the relevant approvals from the respective regulatory bodies in China and Malaysia.

“APTEC will serve as a onestop centre for the new ‘Silk Route’ of trade, sourcing, procurement and distribution showcase window for China manufactured consumer products as well as products made in Asean, Japan, South Korea, Australia, New Zealand, India and the Middle East,” said Ch’ng.

About one million sq ft of land will be used by the Chinese company and the rest of the two million sq ft will be left for other countries, he said.

MPCorp has a landbank of 638 acres in Iskandar Malaysia and is building its prospects on the “already paid for” land that it owns in Malaysia’s fast growing investment destination in Johor.

Apart from the APTEC, it is also involved in the RM2 billion LakeHill Resort City.

“Last few years have not been good for the company. When you put in all the investment in such a big project you do not have cashflow. But this is going to end soon,” said Ch’ng.

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China-based Huawei is building a new data center in Malaysia with the federal government’s investment fund, Khazanah Nasional Berhad.

The facility will provide 90,000 sq ft of office and warehouse space for data hosting and logistics in Iskandar – a special economic zone developed by Khasanah as a major port and financial services district.

Huawei will use the data center to service its regional customers and to support government investment incentives.

Khazanah said it will help facilitate the build for the proposed Huawei Regional Data Hosting and Logistics Center.

Huawei South Pacific Region president David Wei Cheng Min said Malaysia is one of Huawei’s most important markets in the Asia pacific.

“Our new investment into Nusajaya, Iskandar, Malaysia is another major milestone in making Malaysia as our regional business gateway to reach out to the Asia Pacific region,” he said.

“Malaysia’s openness to foreign investment, its strong incentives of encouraging foreign investment, richly skilled workforce and geographic advantages underline our confidence in further investment in Malaysia.”

The development, which will provide jobs for 600 people in admin, management and technical positions, is expected to help support the ICT transformation of the region, Khazanah said.

It said the Iskandar region is increasingly attracting investment from domestic and foreign investors across a range of sectors.

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