买房子真的如此简单吗？只要一句“我喜欢”就好像买衣服一样吗？
不过其实也没有那么难。买房子乃是每个人的梦想。只要懂得以下这几项和预算自己的财务状况其实也可以轻松买到房子而且还可以当作投资。永远记得买房子是赚的。
1）你有足够的头期吗？
在大马，银行通常都会以您的目前拥有的第一和第二间房子而提供高达90％的贷款给你买房子。或者有些银行会给你贷款95%（有些发展商会提供这优惠给新的发展项目）。如果你准备要买第三间房产，银行只给你贷款70%。
换句话说如果银行给你贷款90%的话，你要准备的头期是10%
算法 90%
RM400,000 x 10%
= RM40,000 (10% 头期)
算法 95%
RM400,000 x 5%
= RM20,000 (5% 头期)
算法 70%
RM400,000 x 30%
= RM120,000 (30% 头期)
如果幸运的话有些发展商会给于他们新发展的项目“特别回扣也就是免头期”只需付订金。然后只需申请银行贷款就可以轻松拥有房子了。如果你是第一次买房子选择这一类的发展项目会让你省很多钱哦！
5% Downpayment new project
2）您有额外的现金支付房子的杂费吗？
什么是房子的杂费？
- Stamp duty for MOT - memorandum of transfer
房子拥有权转让印花税
| Purchase Price (RM) | Fees (% from purchase price) | Stamp Duty |
|---|---|---|
| First 100k | 1% | RM0 – RM1,000 |
| Next 400k | 2% | RM1,001 – RM9,000 |
| Exceed 500k | 3% | from RM9,000 |
Table references from http://1-million-dollar-blog.com/
- Sale & Purchase Agreement ('SPA') & Stamping fees & legal disbursement fee
房子买卖协议费用和印花税和法律支出费
| Purchase Price (RM) | Fees (% from purchase price) | legal fees |
|---|---|---|
| First 150k | 1% | RM0 – RM1,500 |
| Exceed 150k < 1million | 0.7% | RM1,001 – RM8,000 |
以下是RM400,000 的算法：
- Loan facility agreement legal fees& Stamping fees & Bank processing fee
房子贷款设施协议法律费用和印花费和银行手续费
- Mortgage Reducing Term Insurance
房子贷款减少期限保险
MLTA（保险业卖的） 或 MRTA（银行卖的）
RM1000-RM2000
如果你的房子是RM400,000 你需要准备的费用如下 :
Downpayment
|
RM 40,000
|
SPA & Legal Fees
|
RM 11,245
|
Loan & Legal Fees
|
RM 17,193
|
MOT
|
RM 8,000
|
Total
|
RM 76,438
|
如果你是要买别人的房产（subsales），以上所说的费用你都要支付。
终结如果你是买发展商新的项目，你可能只需要付MOT和保险，因为通常他们都会免掉所有的买卖协议费用，律师费及其他杂费。
"不要灰心。以下网址就是Free SPA Fees , Stamping Duty，Loan & Legal Fees 的Condo"
Booking with only RM3000 to have a SUPER LUXURY CONDO
3）您合格拥有吗？
要怎样计算房子的每月分期付款和银行会批我合格吗？我们称为DSR( Debt Service Ratio)
如果算到最后你的巴仙率(1% - 70%)里面，你就是资格符合购买房子了。
可以到以下银行网页算一算
DEBT SERVICE RATIO FORMULA
Income
Income per month
Basic Salary + Fix Allowance = Gross Income
Example:
| Item | RM |
|---|---|
| Basic Salary | RM5000.00 |
| Fix Allowance | RM500.00 |
Gross Income: RM5500.00
Deduction
EPF + Socso + Tax = Total Deducation
Example:
| Item | RM |
|---|---|
| EPF | RM550.00 |
| Socso | RM14.75 |
| Tax | RM300.00 |
Total Deduction: RM864.75
Nett Income
Nett Income = Gross Income - Total Deduction
Example:
Nett Income: RM5500.00 - RM864.75 = RM4635.25
Monthly Commitment
- New Loan / Financing = A
- Car Loan = B
- Personal Loan = C
- Credit Card Use = Credit Limit × 5% = D
A + B + C + D = Total Commitment
Example:
| Item | RM | Remark |
|---|---|---|
| New Loan / Financing | RM1500.00 | - |
| Car Loan | RM750.00 | - |
| Personal Loan | RM500.00 | - |
| Credit Card | RM150.00 | RM3000 × 5% |
Total Commitment: RM2900.00
DSR
DSR = (Total Commitment ÷ Nett Income) × 100
CASE 1: Nett Income below RM3500, max. DSR qualification is 40%.CASE 2: Nett Income RM3500 and above, max. DSR qualification is 70%.
Example:
DSR = (RM2900 ÷ RM4635.25) × 100 = 62.56%
Based on Case 2,
62.56% is within the maximum DSR qualification range (1% - 70%), so theoretically it's QUALIFIED for the housing loan.This is just for the reference only. However, different bank has different DSR. Some people got more than the max. DSR qualification, but still got their loan approved by the bank.
references from https://gist.github.com/heiswayi/dca25e79011bc26d2b32
5% Downpayment new project
Booking with on RM3000 to owe a SUPER LUXURY CONDO
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