• it can be very time-consuming as you will have to do all the work yourself, including advertising and showing the property to prospective buyers
• it may take longer to sell your house as you are likely to get fewer viewings than by letting professionals market your property
• you may end up selling at a lower price as you are likely to get fewer viewings and therefore less interest in your property.

Selecting estate agents

Use several agents to market your property as this will result in your property being more widely advertised. You will only pay commission to the agent who actually sells the property so using several agents  will not result in higher costs. Howevever using too many agents, say over 5, may discourage the agents from working hard on the property as they may feel they are unlikely to be the ones who will be selling your property. Select estate agents who specialise in your area or property type as their client list will have the right prospective buyers for your property.

The easiest way to find suitable estate agents is to look at advertisements for similar properties on websites like www.thinkproperty.my or in the printed press (like the Star Classifieds or property magazines) and contact the agent. Or drive around your area and look for agents’ signboards on properties for sale.

Help the agent help you

When giving your property details to the agent emphasise your property’s individual selling points. Think about any positives, from a large kitchen to an alarm system, or a good school nearby.

If possible, take digital photos of your property which the agent can then send to prospective buyers or use in advertisements.

Selling costs

Estate agents’ commission:

2.75% on the first RM500,000 of the property’s selling price

2% on any amount over RM500,000.

Property Sale & Purchase Legal fees:

1% on the first RM100,0000 of the property’s selling price

0.5% on the next RM4,800,000

0.25% on any amount over RMRM4,900,000

This is subject to a minimum fee of RM200.

Some sellers do not instruct a lawyer and therefore save on the legal fees. This is possible because the buyer’s lawyer will draft the Sale and Purchase Agreement. However, not using a lawyer is not recommended unless you really know what you are doing. The Sale & Purchase agreement may seem simple enough to read but you will be surprised how often your lawyer will point out something that you would not have noticed that could have a material impact.

Early redemption penalty:

Before selling, check your mortgage policy to determine whether any penalty for early redemption may be applicable.

Real Property Gains Tax: 

Real Property Gains Tax was abolished in April 2007, so there will be no tax on your property gains.

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Where to Invest in Malaysia Hotspots for Property Investment

Where are the Klang Valley hotspots for property investment to make more money? Everyone is so interested to know where to invest in property hotspots at KL and PJ. Therefore, I keep collecting the information released from our Malaysia property experts and consultants regarding the hotspots for property investment, especially residential property at KL and PJ.

Malaysia KL and PJ Property Hotspots for Investment

• Northeastern Petaling Jaya (Bandar Utama, Taman Tun Dr Ismail, Mutiara Damansara, Kota Damansara, Sri Damansara, Desa ParkCity and Valencia)
• Subang Jaya – Shah Alam belt
• Damansara Heights
• Sri Hartamas
• Bangsar
• Taman Seputeh
• Taman Desa

From the locations listed on above, medium cost up to high end properties are available for different group of people. So, where is your favorite and preferred location for property investment during this slowdown economic? Keep an eye for all the new launch property or completing soon project at the locations abovementioned. Get ready to make more money from hotspots property! More importantly, get your money be prepared! Cash is King!!!

Many property investors are adopting a “wait and see” attitude. Nothing to be surprised, do thing last minute always is Malaysian style! For me, there are three groups of investor in whatever type of investment:

• Sense first, get first （先知先觉）
• Sense later, get later （后知后觉）
• Never sense, never get （不知不觉）

So, sense more and get more! Go visit more property showrooms, do more actual site survey, read more property investment books, do more analysis, and etc. Put for afford and just do it!

Be fearful when others are greedy and greedy only when others are fearful, when you step out in the investment world. Bury the saying-: “Great minds think alike”. Remember, the launches are bandwagon-driven because investment groups cannot launch a fund unless it can attract the critical mass to be profitable. So, it’s not the mass but the class that maintains the covertness that seems instrumental in keeping them a shelf aloft and thus creating a completely balanced portfolio.

Finally, it is your habits which ensure they get done and that too in the way they are supposed to be. So, what are you waiting for, rush below and brush up your ideas with the articles.

Today’s youth are hard working and career driven and are not ready to compromise on the quality of their dream house for a few bucks. There are a multitude of home loan banks in India to choose from. The home loan industry has never looked more lucrative with real estate experiencing a boom, prices are heading upwards. Housing finance companies (HFCs) are providing platter full of advantages to woo the borrower with value added services and flexible products.

To find cheap home loans in India, there is an array of possibilities. Individuals can borrow from bank as home loans. Various housing finance companies (HFC) provide personal loans. Another option is loan against property (LAP) – a loan given against the mortgage of property.

Before taking a loan, there are some home loan tips which you must consider:

Five steps in choosing the right loan:

The current housing loan market requires proper research before opting for a loan. One should not get carried away by tricky advertisements. Rather than banging head with terms like special interest rates for fixed tenure, hidden terms and conditions etc its better to opt for the bank that offers the lowest EMI (equated monthly installments).

1. Gather data on interest rates
It is a wise proposition to get interest rate information from more than one source and compare the offers. A long term loan will mean lower EMI but probably a higher interest rate and result in paying more for the house.

2. Enquire fees
The processing fees, administration charges and the quantum of loan should be discussed properly. It is better to have a written statement of all fees connected to the loan from the lending bank itself.

3. Pre-approval letter
Sometimes banks issues a pre-approval letter agreeing to finance a certain amount. This gives a significant weight and sellers deal seriously. One can expect a modest price range and negotiate a better deal. This is more important if one is taking bank loans for commercial properties.

4. Negotiate loan
Most loaners will bring down their charges for customers with a dependable reference, so do not be shy about bargaining. A bargain deal will easily fetch a home loan at around 0.25-0.5% lower than official rates.

5. Avoid greedy lending
Do not deal with person who asks you to include fictitious data on your home loan application to get quick approval. Also do not get pressured into borrowing additional finance than needed.