Pembeli Rumah Baru (Developer Unit)
New Property Buyers (Developer Unit)
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Berapa lama proses pembelian rumah baru? – 24–36 bulan sehingga serahan kunci, bergantung pada jadual pembinaan selepas S&P.
How long does a new purchase take? – 24–36 months to vacant possession, depending on construction after S&P.
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Apa itu Defect Liability Period (DLP)? – Tempoh 12–24 bulan selepas serahan kunci; pemaju wajib baiki kerosakan tanpa caj.
What is DLP? – A 12–24 month period after handover; developer must rectify defects at no cost.
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Perlu ke bayar deposit? – Kebiasaannya 10% daripada harga, dibayar berperingkat mengikut progress billing.
Do I need a deposit? – Commonly 10% of price, paid in stages per progress billing.
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Apa kos tambahan? – Yuran guaman, duti setem MOT, yuran penyelenggaraan, sinking fund, insurans kebakaran.
What are additional costs? – Legal fees, MOT stamp duty, maintenance, sinking fund, fire insurance.
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Bila mula bayar ansuran pinjaman? – Mengikut progress billing; ansuran meningkat selari bayaran bank kepada pemaju.
When do repayments start? – Follow progress billing; instalments ramp up as bank pays the developer.
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Diskaun Bumiputera? – Banyak projek tawar 5–15% tertakluk terma projek.
Bumiputera discount? – Many projects offer 5–15% subject to project terms.
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Jual semula sebelum siap? – Tertakluk kepada pemaju & bank; perlu proses pelepasan pinjaman.
Can I sell before completion? – Subject to developer/bank; requires loan redemption.
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Beza Freehold & Leasehold? – Freehold: pemilikan kekal. Leasehold: tempoh pajakan (cth 99 tahun) & prosedur pindah milik tambahan.
Freehold vs Leasehold? – Freehold: perpetual. Leasehold: fixed term (e.g., 99 years) with extra transfer steps.
Pembeli Rumah Subsale (Pemilik Lama)
Subsale Buyers (Pre-owned)
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Berapa lama proses subsale? – 3–4 bulan dari S&P, bergantung kelulusan pinjaman & dokumen.
How long is subsale? – 3–4 months from S&P, depending on loan approval & docs.
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Siapa bayar yuran guaman & duti setem? – Lazimnya pembeli, kecuali dipersetujui lain.
Who pays legal & stamp duty? – Usually buyer, unless negotiated otherwise.
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Apa itu MOT? – Memorandum of Transfer; dokumen pindah milik rasmi di pejabat tanah.
What is MOT? – Memorandum of Transfer registered at the land office.
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Pemeriksaan rumah perlu? – Ya, untuk nilai keadaan sebenar & jadi asas rundingan.
Home inspection? – Yes, to assess true condition & support negotiation.
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Beli tanpa deposit? – Mungkin melalui skim khas/ KWSP Akaun 2, tertakluk kelulusan.
Zero deposit possible? – Via special schemes or EPF A/C 2, subject to approval.
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KWSP untuk subsale? – Ya, untuk deposit atau bayaran berkaitan selepas kelulusan pinjaman.
EPF for subsale? – Yes, for deposit/related payments after loan approval.
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Freehold vs Leasehold dalam subsale? – Baki pajakan pengaruhi harga, kelulusan bank & pindah milik.
Freehold vs Leasehold in subsale? – Remaining lease affects price, bank approval & transfer.
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Perlu semak tunggakan? – Wajib semak cukai tanah, cukai pintu & utiliti supaya tiada liabiliti tertunggak.
Check for arrears? – Verify quit rent, assessment & utilities to avoid inheriting arrears.
Penyewa Rumah (Tenant)
Tenants
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Berapa bulan deposit diperlukan? – 2 bulan deposit sewa + 0.5 bulan utiliti + 1 bulan sewa awal (boleh dirunding).
How many months deposit? – 2 months rent + 0.5 month utilities + 1 month advance (negotiable).
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Siapa bayar utiliti & penyelenggaraan? – Biasanya penyewa bayar elektrik, air, internet; penyelenggaraan ikut perjanjian.
Who pays utilities & maintenance? – Typically tenant pays electricity, water, internet; maintenance per agreement.
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Apa perlu disemak sebelum tandatangan? – Tempoh kontrak, kadar sewa, tanggungjawab penyelenggaraan & klausa pembatalan.
What to check before signing? – Term, rent, maintenance responsibility & termination clause.
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Keluar awal, apa jadi deposit? – Tanpa persetujuan, deposit boleh ditolak/ hangus mengikut perjanjian.
Leave early, deposit status? – Without consent, deposit may be forfeited per agreement.
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Boleh runding sewa jangka panjang? – Disaran tetapkan 2–3 tahun untuk elak kenaikan mendadak.
Long‑term rate? – Fix 2–3 years to avoid sudden hikes.
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Apa itu setem LHDN? – Pemeteraian perjanjian di LHDN menjadikannya boleh dikuatkuasakan.
What is LHDN stamping? – Stamping at IRB makes the tenancy legally enforceable.
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Boleh minta tempoh percubaan? – Cuba runding 3–6 bulan sebelum sambung kontrak panjang.
Trial period? – Try a 3–6 month initial term before committing longer.
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Siapa tanggung pembaikan kecil? – Amalan biasa: kecil oleh penyewa; besar oleh pemilik (rujuk perjanjian).
Minor repairs? – Common: minor fixes by tenant; major by landlord.