LO Bank & Peguam Loan Offer & Lawyer
1. Loan Offer (LO Bank) 1. Loan Offer (Bank LO)
- Surat rasmi daripada bank yang mengesahkan kelulusan pinjaman pembelian rumah.Official letter from the bank confirming your home loan approval.
- Dikeluarkan selepas permohonan pinjaman diluluskan, sah 14–30 hari.Issued after loan application is approved, valid for 14–30 days.
- Baca terma dengan teliti — kadar faedah, tempoh pinjaman, penalti penyelesaian awal.Read the terms carefully — interest rate, loan tenure, early settlement penalty.
- Fahami perbezaan kadar tetap (fixed) dan berubah (floating).Understand the difference between fixed and floating rates.
- Ambil maklum tentang caj bank — yuran penilaian, guaman, MRTA/MRTT, yuran pemprosesan.Be aware of bank charges — valuation fee, legal fee, MRTA/MRTT, processing fee.
- Jika LO tamat sebelum tandatangan S&P, bank boleh tarik balik kelulusan.If LO expires before signing S&P, the bank may revoke approval.
2. Peguam & Perjanjian 2. Lawyer & Agreement
Untuk Pembeli – S&P Agreement For Buyers – S&P Agreement
- Kontrak rasmi antara pembeli & penjual dengan terma jual beli lengkap.Official contract between buyer & seller with complete sale terms.
- Dual Lawyer System – pembeli & penjual biasanya guna peguam berasingan.Dual Lawyer System – buyer & seller usually appoint separate lawyers.
- Rumah baru (developer) guna format standard, subsale lebih fleksibel.New property (developer) uses standard format, subsale is more flexible.
- Ambil kira cukai & fi — duti setem, RPGT, MOT.Consider taxes & fees — stamp duty, RPGT, MOT.
Untuk Penyewa – Tenancy Agreement For Tenants – Tenancy Agreement
- Dokumen rasmi menetapkan hak & tanggungjawab tuan rumah & penyewa.Official document setting landlord & tenant rights and responsibilities.
- Perlu dimatikan setem di LHDN untuk sah di sisi undang-undang.Must be stamped at LHDN to be legally valid.
- Nyatakan klausa pembaharuan (renewal clause) & penamatan awal.State renewal clause & early termination terms.
- Tentukan siapa bertanggungjawab untuk penyelenggaraan & kerosakan.Define who is responsible for maintenance & damages.
3. Tips Penting 3. Important Tips
- Bayar yuran guaman ke akaun firma (client account), bukan akaun peribadi.Pay legal fees to firm’s client account, not personal accounts.
- Simpan semua resit & salinan dokumen.Keep all receipts & document copies.
- Lantik peguam awal untuk percepatkan proses.Appoint a lawyer early to speed up the process.
- Pastikan peguam adalah panel bank yang beri pinjaman.Ensure lawyer is on the bank’s panel.
- Gunakan peguam & ejen berdaftar untuk elakkan penipuan.Use registered lawyers & agents to avoid fraud.