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11 Steps to buy a secondhand house / subsale in Malaysia.
STEP 1: Select the property you want to buy.
STEP 2: Signature LOA (Letter of Acceptance) or Letter of Offer supplied by real estate agents. Make sure that real estate agents are legally registered dariLembaga Valuers, Appraisers and Estate Agents Malaysia (LPPEH or BOVAEA). Do not use illegal unregistered agent for already many cases of deceit and naya je if the money is lost!
STEP 3: Pay the amount of 2% or 3% of the purchase price as a booking fee and try to ask for 21 days as the period of deposit until you have to prepare the SPA. Usually the agent will deposit 14 days but the crowd tried to get the 21 days following la Sometimes you may get a slow loan approval (Sales & Purchase Agreement). And make sure the fees are paid only to the company's real estate agent or your legal company. Never pay to mana2 individual, whether the agent or landlord.
STEP 4: Make sure that the signature of the owner or seller of the LOA (Letter of Acceptance) or Letter of Offer and give to your / her agent to purchase a copy of the SPA prove that they are legitimate owners.
STEP 5: Use LOA to tree on the bank loan for house purchase. Make sure the topic apply to a minimum of 4 bank for a loan.
STEP 6: Wages lawyers with expertise in property management to begin preparations SPA agreement. (Sales & Purchase Agreement).
STEP 7: The signature of the document could SPA Make sure you have at least one that I approve loan before signing SPA topic. SPA SIGNATURE DO WHILE NOT HAVE THE MINIMUM OF THE LOAN BYE PASS.
STEP 8: Pay the remaining 7% of house purchase deposit. In step 3, we already pay 3%. Should compensate up to 10% when signing the SPA.
STEP 9: Wait for 3-6 months for the bank to pay the seller the amount outstanding (remaining 90%, then you have to pay 10%). Make sure the phone lawyer in topic topic every week to make sure that lawyers do not sleep in topic topic and case progress.
STEP 10: The Bank has explained all the amounts due to the seller. Your lawyer will arrange the key collection.
STEP 11: Homeowners or vendor clearing house to complete the transfer process has been successful. You can lock the house and the house is now yours.
How are legal costs (legal fees) of your property?
I have to remind you that the 11 step by step on the basis of information only. When we feel the experience of buying a home, there will be a lot of other information that we would know.
When buying a home, it is also important for us to understand the legal costs (legal fees). The cost varies for each property value.
I shared the following:
For the first RM150,000, legal costs rate is 1%.
For the next RM850,000, legal cost rate is 0.7%.
For the next RM2,000,000, legal costs rate is 0.6%.
For the next RM2,000,000, legal costs rate is 0.5%.
For the next RM2,500,000, legal costs rate is 0.4%.
For the more than RM7,500,000, legal costs can be negotiated rate. But shall not exceed 0.4%.
Other basic costs when buying property.
I like to correct a website iProperty because they are the most important costs. When we bought the property, we also need to pay 5% government tax.
In addition, we also have production costs (disbursement costs) of around RM500 to RM1,000.
Usually these costs are for the following documents:
Stamp SPA (Sales & Purchase Agreement) which is RM10 per copy. Usually there are four copies.
Bankcruptcy search.
Company search (if necessary).
Search the ground (before providing SPA and fill out the form at the land office 14A).
Registration document exchange of property at the land office.
And other costs.
When you understand the steps, like a bold new step.
I hope this brief information will help people, particularly the Bumiputera community to be prepared before the purchase of real estate.
Hopefully this article can increase your motivation to become a real estate investor all of today's hardcore.
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