Harga hartanah, rumah merosot

Petikan dari Berita Harian, 31 Disember 2008

Oleh Che Wan Badrul Alias
chewan@bharian.com.my

Jatuh 15 peratus berikutan tempias krisis global

KUALA LUMPUR: Harga rumah dan hartanah mengalami kemerosotan lima sehingga 15 peratus berikutan tempias kelembapan ekonomi global serta kejatuhan harga keluli, iaitu komponen penting pembinaan hartanah baru-baru ini.

Presiden Persatuan Pemaju Hartanah dan Perumahan Malaysia (Rehda), Datuk Ng Seing Liong, berkata berdasarkan makluman dan laporan ahli, pemaju perumahan terpaksa menurunkan harga berikutan permintaan semakin berkurangan.

Katanya, ia disebabkan semakin ramai pembeli mengurangkan perbelanjaan dan bebanan kredit sebagai persediaan menghadapi kemerosotan ekonomi dunia yang dijangka mula dirasai tahun depan khususnya dalam industri perumahan dan hartanah.

Beliau berkata, penurunan harga beberapa komponen utama bahan binaan seperti keluli yang kini hanya RM1,900 daripada RM4,100 satu tan turut menjadi penyumbang kepada kejatuhan harga rumah dan hartanah di beberapa tempat seluruh negara.

"Keadaan ini disebabkan krisis ekonomi global. Kejatuhan harga rumah dan hartanah berlaku mengikut tempat serta bergantung pada permintaan kerana masih ada tempat yang tidak terjejas.

"Kejatuhan harga hartanah paling teruk adalah 15 peratus.

"Mei lalu, kos pembinaan melonjak sehingga 30 peratus berikutan harga bahan binaan utama meningkat tapi ketika harganya jatuh, kos pembinaan dikurangkan sekali gus meringankan beban pemaju menyambung semula projek.

"Kini hanya kos pengangkutan masih tinggi," katanya kepada Berita Harian, semalam.

Mei lalu, akhbar melaporkan kerajaan memansuhkan harga siling besi keluli sebagai langkah mengurangkan beban yang ditanggung pemaju akibat kenaikan harga bahan api dunia, sekali gus supaya merancakkan kembali industri perumahan dan hartanah.

Dua bulan kemudian, kerajaan mengarahkan bank supaya menstruktur semula pembayaran balik pinjaman rumah bagi mengurangkan beban peminjam menghadapi kenaikan harga petrol dan diesel yang dinaikkan untuk kali pertama pada Jun lalu.

Hm.. kalau kite lihat, harga hartanah melonjak naik pertengahan tahun 208 berikutan kenaikan harga minyak menyebabkan kenaikan harga bahan pembinaan. Masa tu, One Sentul yg asalnya cuma 260k dah jadi 280k. Changkat View pun naik dlm 20k. Tapi nampaknyer, keadaan dah terbalik sekarang. so, kuasa dan peluang ada pada saper yg ada cash sekarang ni utk beli hartanah ni sementara harganya merudum.

No money?no talk...

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exam result

last week, my pain and stressful unstable emotion of waiting for my last sem's final exam result ended. on 18 dec evening, the result successfully released online (after 6 times checking on 17 dec and 5 times checking on 18 dec morning.. hehehe).
alhamdulillah.. i passed all the papers.. and all my friends too!
congratulations to myself, mayah, anim, mazni, rozia, huda, asmath, zura and all coursemates!
we did it!

the most grateful thing is i got a- for constitutional law 1! alhamdulillah.. thank you very much Allah.. thank you very much Prof Shad for the great lecturing and kind marking of our answers..
actually, i was so worried that i will fail conti 1 because during the exam, i mistakenly interpret the wall clock. i do not have watch for the last 4 years until now. so, in the exam hall, i depended solely on the wall clock provided at the front of the hall or to announcements made by exam invigilators. While rushing on answering the Part C question, i kept on looking at the clock that is actually a little bit far from me, makes it not really clear from my view. Looking at the clock, I was so confident that i have 1 hour and 30 minutes left so that i have just enough time to answer part a ( 7 or 8 short questions) and part b (3 long questions). However, i was really shocked when the invigilator announced that there are only 30 minutes left! oh no.. i have 10 questions more to answer!

You can imagine how kalut i was. the fingers shacking while i wrote down the answer fastly.. very fast! i am saying to myself, ya allah.. aku akan fail subjek ni macam ni.. tolong la aku ya allah..

i just strive to answer the best i can, the most i can.
fell so sad becoz, if not becoz of the wrong clock interpretation, i surely can answer better.. much better..

In the contrary, alhamdulilah.. Allah gave me a chance to not to repeat my fault. make sure i bring in a watch in the next exam sessions. Allah gave me a lesson that i will remember all my life and He still give me the good luck of getting the good result.

Alhamdulillah..

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BLR going down?

Bank Negara has announced to cut on the benchmark Overnight Policy Rate (OPR) by 25 basis points (bps) to 3.25%. This is expected to give a good news to property investors but bad news to fixed deposit income earners. BLR is expected to go down from the current 6.75% to 6.5%, a very good news to property investors. This will lessen the monthly loan payment and the total repayment amount, depending on the home loan package they applied. This is contradict to rumors spread from the mid of year that the BLR will likely to increase to 8%.. makes lay people fear to buy any property. If you hold a fixed rate home loan, this news do not bother you at all.

But, unfortunate situation for fixed deposit income earners. The FD rate is expected to be lower too.. makes the income earned from the interest of the deposit lesser than below. Hm.. for bumi, we have another choice.. put your money to the ASB which provides a much higher profit up to 9% per annum. We also have lots of PNB products to choose. But for non-bumi, they have a limited products, such as ASW. That is why everytime ASW sell their units, it is sold out very fast!

I would like to share with you an article from iProperty about the expected BLR rate. Enjoy the reading!

Cheaper loans
Bank Negara Malaysia announces positive cuts
Dec 10, 2008

Getting bank loans should become an easier and cheaper process following Bank Negara Malaysia’s announcement to cut a key benchmark rate, effective 1 December 2008.

Several banks have since
announced plans to lower rates for loans and financing, with some institutions calling up potential clients and offering loans over the phone.

Malayan Banking Bhd (Maybank), Maybank Islamic Bhd, CIMB Bank Bhd and CIMB Islamic Bank Bhd are among the banks that have announced revisions in their base lending and base financing rates to 6.5 per cent.

Datuk Seri Abdul Wahid Omar, group chief executive officer of Maybank, said the move would see borrowers benefiting immediately, as interest rates of all loans pegged to the bank’s BLR would be adjusted accordingly.

Datuk Seri Nazir Razak, chief executive of CIMB Group, believes that the move would help existing and potential borrowers deal with the sharply moderating economic growth.

Nazir Razak said in a statement that customers could also expect to pay lower rates for Islamic financing compared with conventional loans at CIMB Group.

Yeah Kim Leng, group chief economist of RAM Holdings Bhd, expects banks to lower interest rates for both loans and deposits. According to him, such an action would result in borrowers paying less to service their existing loans with floating rates, while individuals and businesses seeking to borrow from banks will find the cost of borrowing now lower.

The lower cost of borrowing or monthly repayments would encourage consumers and businesses to either spend or save more, depending on individual circumstances, said Yeah.

“On the flip side, deposit rates will also decline, meaning less interest income for savers. A cut in interest rate is a form of disincentive to save, thereby encouraging people to spend,” explained Yeah.

Higher overall spending would help industries and companies remain in business and not have to cut back on production and employment. Housing developers also stand to gain, with the rate cut encouraging more people to buy homes.

Datuk Ng Seing Liong, president of Real Estate and Housing Developers’ Association Malaysia (Rehda), said: “I am confident that the reduced rate will convince those who have been adopting a wait-and-see attitude to close the deal on their dream homes.”

Ng added that there should always be easy access to affordable financing for the housing sector, both for bridging and end financing, as the property sector has proven to help generate domestic growth during previous downturns.

Rehda has proposed for the central bank to set aside a dedicated financing quota for the housing sector and relax restrictive draw-down requirements.

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Organ Donorship

For the last 4 years, I am looking for procedure and venue on how to be a registered organ donor. I asked government clinics but they asked me to get info from any govt hospital. Unfortunately, when i went to hospital, it must be for the purpose of visiting warded office mate and I came with other office mates. So, it is not nice to make them waiting for me while i searching for the correct counter to inquiry info on the registration.

Thanks for the great IT team from Unit Perkhidmatan Transplantasi, Bahagian Perkembangan Perubatan dan Pusat Sumber Transplan Nasional, who develop a special website for the organ transplant. I notice of its existence from advertisement on tv. It provides info on organ transplant, being an organ donor and some successful stories of it. The Web is http://www.agiftoflife.gov.my/

So, yesterday, I downloaded the registration form, filled it and faxed it to the fax number given. It was so easy. I plan to donor my kidneys, heart, liver, lungs and my cornea to those who need it more compared to my cold died body.

Alhamdulliah, the fax machine report stated that the transmission is ok and now I am waiting for the donorship registration card to be sent to me.
:)

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vista angkasa - part 10 - DBKL letter and Authorisation letter

Last two weeks, i received a letter from DBKL confirming the transfer of ownership of the Vista Angkasa unit from the vendor (the previous owner) to me. Alhamdulillah.. my dream to buy a unit of Vista Angkasa is now almost becoming a reality.

After receiving the letter, my lawyer, Shuna, who is also acting on behalf of the vendor, continue with redemption procedure.. getting the balance of loan of the vendor to be cleared. Then, on last week, after doing some calculation, she prepared an authorisation letter and emailed to me to get my signature. In the letter, I admit and authorise my loan bank (alrajhi) to pay my loan amount to:
1) the vendor bank for the full payment of the vendor's full balance of loan
2) Hasnan Hamzah as the stakeholder of the vendor an amount of money which the selling price minus the amount above
3) my saving account if there is still any balance after deducting the two above, which is actually no balance unless the calculation above is incorrect.

Then, Shuna sent her firm's despatch to collect the letter from me to be sent to Alrajhi.

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Anggerik Perdana: house repainting

Salam Aidiladha for all readers..
Yesterday I got a comment from an unknown reader, requesting me to update my blog. For how long i am not updating it ha?Owh... more than two weeks!! ok, its too bad.

Actually lot of thing happens within this two weeks that limit my free time to update the blog.

Since I moved to my new house, I planned to do repainting. The original dull yellow colour makes me feel bored.. :( Even though my mom said, " Kan sayang cat asal tu.. cat baru tu..", I still stick with my plan to paint it with my self-picked and favourite colour..hehe.. two colours flew into my mind...

So, 15 Nov 2008 (Saturday), my sister and I go to a hardware shops. We also looking for tikar getah actually.. My house is not built with tiles, low-cost.. And I am short of budget to put tiles now. So, tikar getah sounds ok. Then, we found that there are one hardware shop in Taman Pinggiran Putra selling paints at a price of lower than i used to buy .Lucky me! I bought four different colours, a couple for bedrooms and a couple for my living hall. For a 7 litres, it cost me around rm30 - rm 45 each, depends on the colour and brand. I chose Walltex from SeaMaster and Maxilite from ICI Paint because they are economic and provides a range of colour i want. If you have a bigger budget, of course you can buy a better paint, a premier paint by jotun or dulux maybe..

The repainting works started on 22 Nov 2008, Saturday at 2.00 p.m. Alhamdulillah, my mom, my sisters Sitie and Itah and my brother-in-law, Zahim came to lend a hand.. becoming a good and skillful painting team, chewah...

For a 7 litre paint, when i painted the feature walls of the two bedrooms, there are still less than half left. But for a non-feature wall, it is just enogh (almost not enough actually.. hehe) for the two rooms. Then, for the feature wall of my living hall which includes the dining area, still less than half left. The same goes to for a non-feature wall paint for the area. This means that, I need to buy another paint for my third single room and my sister, sitie can take away all my remaining paints for her new house in Kuantan! What a good news to her.

Actually, you can do the painting by yourself. No need to hire someone. You just need enough paint, water (if you need to thin the paint), enough rollers for all team members, maybe one or two small brush or small rollers for the small areas, the 'bekas utk gelek' (i dont know what people call it) and a stairs. If you not expert, u may need masking tape to cover the boundary so that the painting boundary looks nice.

Excluding the kitchen and the 3rd room, we completed the painting works on 12.00 pm on the next day. Because after that, Sitie, Zahim and I rushed to few furniture and lighting shops because sitie and zahim want to do shopping for their new house. I also have a makan-makan invitation at Anim's house.

(hey, anybody want to borrow me digital camera? i want to take few snaps of my painting works result and put it here..)

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