Anda berhajat untuk memiliki rumah sendiri buat kali pertama. Pasti anda mencari-cari tips beli rumah pertama sebelum membuat keputusan untuk menempah rumah yang anda idamkan itu. Memang tidak dapat dinafikan bahawa proses pembelian rumah ini bukan semudah membeli barangan yang lain. Ia boleh menjadi amat rumit dan memeningkan kepala jika kita tidak tahu cara-cara yang betul untuk membuat persediaan sebelum memilih kediaman kita.
Jadi apakah tips beli rumah pertama yang penting untuk kita tahu?
1. Pastikan keadaan kewangan baik.
Kawasan Lembah Kelang pula merupakan kawasan yang padat dengan penduduk, menjadikan nilai tanah lebih mahal daripada kawasan-kawasan yang lain. Jadi, memiliki rumah pertama di Lembah Kelang memerlukan anda mempunyai kewangan yang baik. Adakah anda terikat dengan hutang-hutang lain seperti kereta atau kad kredit? Anda boleh dapatkan kiraan pendapatan anda dengan kalkulator pendapatan yang ada di internet, seperti affordability calculator dan home loan calculator.
2. Buat pilihan rumah dengan teliti.
Duit bukan lagi isu untuk anda? Jadi anda boleh fokus dalam membuat pilihan rumah yang bijak. Pertimbangkan pelbagai faktor seperti kos, saiz, lokasi, dan kemudahan yang ada di sekitar kawasan setiap perumahan yang anda inginkan. Adakah keluasan rumah sesuai untuk anda sekeluarga? Adakah rumah pilihan dekat dengan pengangkutan awam seperti stesen LRT? Adakah kawasan terlalu sibuk dan padat? Semua kriteria ini perlu diteliti sebelum anda membuat keputusan.
3. Dapatkan peguam hartanah yang betul.
Dalam urusan jual-beli rumah, banyak perkara yang akan melibatkan undang-undang hartanah. Jadi, pembelian rumah harus beserta dengan peguam hartanah yang dapat memberikan perkhidmatan baik, proaktif dan telus untuk kelancaran proses pemilikan rumah. Peguam anda penting untuk bantu anda fahami proses undang-undang yang terlibat, menjadi pihak yang neutral, dan menyemak semua dokumen yang anda perlu tandatangani.
4. Fahami dokumen jual-beli rumah
Setelah membuat pilihan yang muktamad, anda perlu meneliti semua dokumen jual-beli rumah bersama-sama peguam. Anda akan diminta untuk membayar yuran tempahan atau booking fee sebanyak 2% hingga 3% daripada harga rumah, dan akan beserta Letter of Offer to Purchase yang mengandungi hajat anda untuk membeli rumah tersebut. Anda dan pemaju pula akan diminta untuk menandatangani Sales of Purchase of Agreement (SPA), dokumen yang mustahak kerana mengandungi semua terma dan syarat jual-beli rumah. Dokumen-dokumen ini perlu difahami dengan menyeluruh bagi mengelakkan sebarang gangguan dalam proses pemilikan rumah anda.
5. Buat pinjaman bank
Pilih pinjaman rumah yang sesuai dengan anda. Setelah mendapat resit tempahan daripada pemaju, anda boleh meneliti jenis-jenis pinjaman yang ada. Pinjaman-pinjaman yang anda boleh pertimbangkan termasuk pinjaman konvensional, pinjaman perumahan fleksi, ataupun pembiayaan rumah fleksi.
Dengan tips-tips ini, anda boleh membeli rumah pertama anda dengan lancar dan mudah. Gunakan tips-tips ini untuk pembelian rumah yang sesuai buat anda sekeluarga. Untuk petua pembelian rumah pertama yang lebih komprehensif, layari laman web pemaju rumah mampu milik di Dengkil di https://www.lbscybersouth.com.my/15-tips-membeli-rumah-pertama/
Emperikal: helping organizations succeed in Malaysia
As Malaysia heads towards a digital country by 2020, the one thing guaranteed is businesses began to adopt digital marketing agency Malaysia more aggressively. Through a variety of creative methods to succeed by the online presence, for example, influencer marketing or affiliate marketing in Malaysia, companies are realising the extensive benefits and need for being online with today’s generation.
Emperikal is probably among the few agencies which are not surprised at the growing trend. Malaysians through the ages of 12 to 60 years old are constantly web surfing, thanks to the disruption of the world wide web being made accessible and affordable anywhere. Examples of a top-notch marketing agency in Malaysia, in particular, Emperikal, know the digital landscape allowing it to deliver meaningful business impact to a business’s web marketing strategy. Emperikal, a well established full-service digital marketing agency in Malaysia is an ideal solution with regards to your company needs. You will get unparalleled access to world-class marketing resources you can find at its other sister agencies. Truthfully, you’ll never have trouble to hire the help of a marketing agency in Malaysia. However, don’t assume all marketing agencies are top quality. Emperikal consistently tops its competitors as a result of its data-driven method of helping brands grow their online visibility. Emperikal has proven itself and also has developed a well-known reputation to be a reputable digital marketing agency in Malaysia.
This marketing agency distinguishes itself from some others through giving the whole package of digital marketing services. This offers them the ability to work effective and efficient for companies of any size. For this reason, this company has been working with many global firms around South-East Asia.
One of many of the services is content marketing in Malaysia. The professional copywriters are capable of writing very high quality and attractive content for websites and blogs. Moreover, they’re just famous for their SEO packages in Malaysia, by boosting the search engine results for numerous businesses in the region.
To get more direct results in Malaysia, pay per click and display advertising that this digital marketing agency provides will give immediate results by placing an internet site. straight to the top Google search results page. This can increase a website’s traffic from the beginning considering the mission of making more leads.
For social media marketing in Malaysia that transforms your brand in a viral overnight sensation, Emperikal knows exactly the secret! By continuing to keep up-to-date with all the current latest social networks fads to keep your brand relevant with today’s audience, Emperikal ensures your social media marketing campaigns achieves its set targets. The business currently manages a portion of the biggest brand names out there, for example, Spotify, iFlix, Warrior and Abbott Nutrition to mention a few.
Businesses without their very own website are passing up on vital insights and even more importantly, customers. Conventional stores won’t be enough as people are online via multiple touchpoints, having your own website brings along benefits and addresses customer’s most typical questions like contact information, address and product/service information. Emperikal’s web developers in Malaysia are experienced at making websites that serve the functions you need it to, with skills in both frontend and backend, your websites will undoubtedly be an important extension of your brand’s service. They are not only revered for their website development, but also as a top web design company in Malaysia. Function alongside aesthetics is a couple of the biggest aspects whenever creating a website.
Internet marketing shines when it comes down to data analytics. Many types of paid and free tools can be used for performance tracking and measurement. In other words, you would want to see the things that work as well as what doesn’t within your advertising campaign, to help you adjust your budget accordingly. Furnished with that data, we shall use consumer experience design or UX design to optimise your site for optimum rate of conversion. We will visualise the buyer’s journey from the minute one lands on your web site until one checks out with their shopping cart.
Emperikal is the most effective online digital marketing agency Malaysia and we pride ourselves on the level of our work. Being employed in Emperikal is fast-paced, challenging but additionally tremendously rewarding. If you feel you might be a good fit and you are interested in learning about online marketing, look into our website for the latest online marketing jobs.
RHB Bank’s Banking Solutions: Credit Card & More
RHB is today one of the largest banks with integrated financial services in Malaysia. Given that they plan to increase the size of their market further, RHB Bank has tapped into Brunei, Indonesia, Singapore, Laos, Vietnam and a few other countries within South East Asia. Knowing quite possibly the most effective way to compete is actually by giving extra value to the customers, the RHB Islamic banking group has begun offering multiple banking facilities to both individuals and small businesses.
Creation of current or savings account by individuals and businesses is a necessity. To attract smart consumers, RHB Bank has offered a reasonable interest rate account holders will enjoy through depositing money into their respective accounts. As they quite provide traditional transaction facility through ATM and CDM, the Bank had also launched RHB Now, their online banking solutions to boost efficiency.
As the Bank witnesses the shift of trend from the traditional purchasing method using cash to online purchasing, they noticed that there’s an elevating market demand for credit cards. Depending on the data from surveys conducted that suggests the public’s increasing worldwide recognition towards the online purchase, it’s undisputed that offering credit card solutions is amongst the primary strategy RHB Bank needs to be pushing forward-and they did just that.
Feeling the importance to close the gap between demand and supply, RHB Bank goes further, and they have begun offering credit card services with multiple benefits as opposed to the other banks, that include cashback reward for cardholders when they buy more using a credit card.
For small business owners and organizational entities, RHB Bank provides corporate banking facilities. They’re able to engage with the Bank either for investment banking or perhaps to make a business loan. Generally, if the customers are interested, they even can subscribe to RHB Bank’s online cash management services.
Small-medium enterprises can undoubtedly make use of the wide selection of services made available by RHB Bank, particularly when it involves taking loans to help increase cash flow and further develop the business. RHB, besides, has begun innovating by offering retail solutions to those who need it, which can include e-commerce players.
Nonetheless, the need for Islamic banking facilities hasn’t ever been overlooked, especially when there is a high demand for Shariah-compliant products and services in the Malaysian market. That’s why the Bank makes sure that products which comply with the Shariah requirement, including Islamic wealth management services, Islamic treasury, corporate banking, and unit trust are offered.
The Bank has seen a significant 24 annual brand value growth in 2016, which places them as among the 5 top domestic banking players. Seeing the future market growth potential, RHB Islamic banking has equipped themselves with more rigorous and effective tactics to grow further its value and market share in the time to come.