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Archive for Julai 2010

Dream home a reality via EPF

30 Julai 2010 Tinggalkan komen

PETALING JAYA: EPF members will be able to use their future and current savings to apply for a larger housing loan beginning Sunday.

EPF chief executive officer Tan Sri Azlan Zainol said the Flexible Housing Withdrawal facility is designed to give those who qualified greater purchasing power.

“Members will now have a chance to realise their dream of a better home for their families via increased home loan eligibility.

“What’s more, Flexible Housing Withdrawal does not in any way affect a member’s retirement savings as the sum that has been set aside under this facility will continue to earn yearly dividends paid by EPF,” he said in a statement here yesterday.

He said members could transfer part of their savings under Account 2, which is utilised to buy a house or reduce a housing loan, to the Flexible Housing Withdrawal account, followed by a monthly transfer of a specified amount of contribution.

“Savings that have been set aside under the facility cannot be withdrawn or utilised for any other pre-retirement withdrawals, such as Housing, Education or Medical before the end of its term.

“However, members can still utilise the remaining savings in Account 2 for other pre-retirement withdrawals,” he said.

Azlan said the facility was in support of the Government’s objective to enhance the quality of life of the rakyat in the spirit of 1Malaysia.

“To date, Maybank and Public Bank have confirmed their participation in the facility and we expect more banks to follow suit,” he said.

Under the facility, EPF members, who have not withdrawn their savings under Account 2 to purchase a house or reduce a housing loan, can apply for their current and future savings to be taken into consideration when applying for a housing loan with a financial institution.

The facility was announced by Prime Minister Datuk Seri Najib Tun Razak when tabling the Budget last year.

Azlan said the facility was available to EPF members below the age of 54 and must be applied together with their application for a withdrawal to purchase or build a house or reduce a housing loan.

Each application is to be submitted by the EPF member to the financial institution from which he is obtaining the loan.

All application forms would then be submitted to EPF by the banks.

Those who wish to cancel the Flexible Housing Withdrawal facility can only do so after a year from its commencement date and upon consent from the respective financial institution.

Sumber petikan: BizStar

Komen Saya:

Ini memang berita baik bagi mereka yg masih belum membeli rumah. Kalau sebelum ini, loan bank mesti lulus dulu, baru boleh keluarkan simpanan EPF. Tapi kini, boleh keluarkan serentak semasa apply loan. Tiada alasan lagi utk tidak membeli rumah.

Fikirkan kenyataan berikut: Seorang CEO salah satu syarikat Palm Oil plantation mengatakan bahawa di Malaysia mereka telah beroperasi secara besar-besaran lebih 100 tahun. Tapi kesemua keuntungan terkumpul hasil tanaman kelapa sawit yg diperolehi selama 100 tahun itu tidak dapat mengatasi keuntungan yg mereka perolehi dgn hasil jualan hanya 1 estet mereka iaitu Damansara. Maka fikir-fikirkanlah.

Harga Petrol RON95 naik 5 sen (2.78 peratus)

16 Julai 2010 1 komen

Bermula hari ini, harga petrol RON95 dinaikkan 5 sen kepada RM1.85 seliter. Nampak sikit tapi sebenarnya, ia adalah kenaikan sebanyak 2.78% daripada harga asal RM1.80.  Harga RON97 pula didagangkan mengikut harga pasaran. Harga diesel pun turut dinaikkan kepada RM1.75. Selepas ni pasti harga barang-barang terus akan naik, inflasi pun join sama. Tapi dividen ASB sekitar takat tu juga. Kalau tak melabur, semakin hari semakin miskin. Gaji pula naik purata sekitar RM80 sahaja setiap tahun.

Maka melabur la untuk mengekalkan gaya hidup anda hari ini.

PNB: Sijil ASW2020 Dimansuhkan

13 Julai 2010 4 comments

Kelmarin saya pergi ke pejabat PNB nak tukar simpanan ASW2020 ke bentuk sijil. Tapi kerani kaunter tu kata, Sijil ASW2020 dah tak dikeluarkan lagi. Tapi tiada pula pengumuman rasmi tentang tu. Hanya ASB saja boleh tukar ke bentuk sijil. Katanya start awal Julai lagi, sijil ASW2020 dah tak dikeluarkan lagi. Ada sesiapa lagi yg mengalami perkara yg serupa. Saya sebenarnya tak berapa yakin, mana tau cawangan yg ni saja yg tak keluarkan, saya boleh pergi ke cawangan yg lain utk cuba tukar.

Maybank Naikkan BLR kepada 6.3%

10 Julai 2010 Tinggalkan komen

Bank pertama yg mengumumkan kenaikan BLR ialah Maybank selepas Bank Negara mengumumkan kenaikan OPR sebanyak 25 basis point. Efektif 13 Julai BLR dinaikkan kepada 6.3% berbanding 6.05% sebelum ini. Jadi, kena kira balik bayaran bulanan selepas ni. Dan pasti lepas ni, Bank-bank lain pun akan join sama, menaikkan kadar BLR masing-masing. Tak boleh tunggu ooo…rugi nanti.

Pelabur-pelabur semua…ini dugaan. Tapi impaknya masih minimum, berbanding dgn profit yg diterima nanti, terutama mereka yg ambil ASB loan dan Home loan. Kalau yg ada pinjaman kereta tu, usah bimbang, yg tu tak terlibat sebab interest dah fixed.

Kategori:ASB, Hartanah, Pelaburan

OPR naik, BLR pun naik

9 Julai 2010 4 comments

Kelmarin, Bank Negara mengumumkan kenaikan OPR sebanyak 25 basis point. Nampaknya, BLR pasti akan naik lagi sebanyak 0.25%. Maknanya sekarang dah 6.05%, lepas ni akan naik menjadi 6.3% lah BLR sehingga hujung tahun ni. Berita yg kurang enak utk pelabur hartanah dan loan ASB. Tapi masih untung lagi.

Kategori:ASB, Hartanah

Kondo Termahal di KLCC Park RM38 Juta

7 Julai 2010 Tinggalkan komen

Dipercayai baru-baru ini, sebuah unit kondo di KLCC Park telah terjual dengan harga RM38 juta. Unit kondo paling mahal di Malaysia setakat ini. Dengan keluasan 14,300 kaki persegi. Maknanya, harga sekaki persegi adalah sekitar RM2,660 sahaja. Masih murah berbanding unit sebelum ini yang dijual pada harga RM2,900 sekaki persegi, cuma unitnya lebih kecil w/pun terletak di kondo yang sama, iaitu kondo Binjai On The Park, yg merupakan satu-satunya pembangunan kondo di KLCC Park yg seluas 50 ekar. Tarikan utama kondo ini adalah setiap unit memperolehi pemandangan sekeliling 360 darjah dan pemandangan ke KLCC tidak terlindung oleh bangunan lain. Pembelinya adalah personaliti korporat yang tersenarai dlm majalah Forbes, jutawan la tu, jadi tidak hairan la. Pasti lepas ni, ramai lagi yg akan berlumba-lumba utk pecahkan rekod ni.

Sumber: StarBiz (7 Julai 2010)

Kategori:Hartanah