如何從投資產業起步？

如何從投資產業起步？

• 專題
 

 2011-02-06 19:28

今天我們來談投資產業的地點，從巴生河流域轉向其他外圍地區，巴生河流域產業單位密集，而且價錢也不便宜，如果價格太昂貴，投資用來賺取租金收入，嚴格來說，並不符合經濟效益。

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大馬置產須知

大馬置產須知

• 專題
 

 2011-01-10 14:50

對大多數的我們而言，購買房屋是長久以來的夢想，對於還未購買房屋的人來說，那是一次讓人期待、雀躍的經驗，當然，我們需要做好多方面的準備。

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供應加速‧購物商場復元

國內與國際經濟同步復甦，購物者繼續出外消費，零售市場的基本面從2009年杪至2010年初顯示有改善，大馬消費者購物指數在2010年首季上揚至114.2點，比2009年第四季進一步成長4.6點，按年則上漲35.3點。

商業信心指數也處於上揚趨勢，按季上升5.3點，掛124.0點，按年則揚升62.9點。

在上述期間， 市郊有兩家新的購物中心開張營業，位於首邦市的帝國購物廣場共有20萬平方尺，在班登英達的Axis Atrium面積21萬8千平方尺，這使到巴生河流域的零售產業空間，累積增至3千690萬平方尺。

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Housing Loan Glossary『房貸‧詞彙 』

房貸‧詞彙

詞彙	註解
承兌信	申請人簽發的函件，表明在獲得銀行機構批准之後，接受有關貸款。
申請表格	用於申請貸款的表格。
估價報告	由有執照估價師，估計師對有關產業的大約價格提供的書面分析報告。
基本貸款利率	金融機構根據考慮了機構之基金成本以及其他行政費用的方案而計算的最低利率。
承約費	金融機構徵收的費用，以保留尚未被借款人使用的資金。這一般上實施於透支便利。
違約	期滿時借款人時無法繳付每月分期付款／利息給金融機構。
貸款發放費	各類的費用將由借款人承擔，例如由金融機構產生的債務負擔登記費，土地檢查費，報窮檢查費以及處理貸款文件的律師費用。
文件	與貸款相關的一係列文件，表格以及其他文件。這些文件將構成有關貸款的完整記錄。
首期付款	買方支付給售屋者的首期付款。
金融機構	所有在1989年銀行與金融機構法令下獲得執照的商業銀行與金融公司，以及在1983年回教銀行法令下獲得執照的回教銀行。
固定利率	這是於整個貸款期間對貸款額徵收的固定利率。一般上在還款計劃開始之前，即已確定固定的還款額。舉例說，年利為10%固定利率的價值1萬令吉的貸款，每年的利息則是1000令吉，直至貸款完全清還為止。
浮息利率貸款	這是根據部份指標，例如基本貸款利率的漲落，而以浮動方式徵收利息的貸款。
取消贖取抵押品的權利	金融機構採取的法律行動，以追索回違約借款人尚欠的貸款。由借款人抵押以獲得貸款的產業將會被脫售而脫售產業的所得將用於繳清尚欠的貸款額。
漸進式付款	在借款人的購買能力提高，有能力繳付更高的分期付款之前，這項計劃可證借款人在貸款的初期，伸縮性繳付較低的分期付款。
每月家庭的總收入	這是一個家庭裡所有有工作之成員，在未扣除所得稅、社會保險機構、僱員公積金、貸款分期付款或其他的扣項之前的收入再加上加班，佣金以及其他來源的額外收入。
擔保人	如果借款人無法償還款項，在法律上必須負責支付由借款人產生之債務的人士或機構。
業主保險	為業主提供，結合了負債保障以及因風災、火災、破壞行動以及其他風險而導致之損壞的保險保單。
延遲罰款	一旦分期付款逾期未付，金融機構徵收的罰款。
遺產管理證書	由高等法庭發出給一方的不動產轉讓授權代理書，以讓有關人士管理沒有訂立遺囑之死者的產業。
貸款期限	在特定同意的還款計劃下，完全繳還貸款本金及利息的年份數目。
融費額	金融機構根據用作抵押以獲得貸款之產業價值的百分比給予的貸款額。
抵押遞減定期保險	在整個貸款期間逐步減少的定期保險。這是一旦受保人不幸死亡或終身殘障，可用以保障尚欠的貸款額的保險。抵押遞定期保險一般上是根據尚欠之貸款額而計算。
尚欠貸款	剩餘尚未繳還的貸款，包括利息及其他費用在內。
透支	給予符合資格之來往戶口持有人的信貸便利。借款人獲允許開具超過於其來往戶口信貸結存的支票，惟受制於金融機構給予的部份預先批准限額。
授權書	給予一方授權委任，以代表另一方行事的正式法律文件。
預先付款	在期滿前繳付全部或部份的貸款。
預先付款罰款	金融機構對提前繳清貸款徵收的費用。有關徵收的費用一般上是根據貸款額的百分比或'X'個月份的利率計算。
本金	這是同金融機構借貸，不包括利率及其他收費在內的數額。
產業	指有地產業（例如房屋、公寓、共管公寓）以及土地（例如平房單位）。
再融資	繳清現有貸款的一部份或全部。目的在於向相同或另一家金融機構獲取另一項貸款。
買賣合約	買方與賣方簽署的書面合約，包含了將售賣之產業的條款與條件。
抵押保障	擔保繳還貸款的實業或個人產業保障。如果貸款沒有清還，借款人需承擔失去有關產業的風險。
定期貸款	通過定期付款繳還的貸款，一般上是一個固定的期間，例如10年。
地契	構成產業擁有權的法定文件。

Glossary

Glossary	Description
Acceptance Letter	A letter from the application indicating his willingness to accept the loan after the loan is approved by the banking institution.
Application Form	A form used to apply for loan.
Appraisal/Valuation Report	A written analysis of the estimated value of real estate prepared by a licensed Valuer/Appraiser.
Base Lending Rate (BLR)	A minimum interest rate calculated by financial institutions based on a formula which takes into account the institutions' cost of funds and other administrative costs.
Commitment Fee	A fee charged by the financial institution for setting aside funding that are not utilised by the borrower. Usually only applicable to overdraft facility.
Default	Failure to pay the monthly instalment/interest payments to financial institutions when due.
Disbursement Fees	Various type of fees such as registration of charge fee, land search fee, bankruptcy search fee incurred by financial institutions and solicitors attending to the loan documentation in relation to the loan which are payable by the borrower.
Documentation	A set of agreements, forms, and other documents to be signed in connection with a loan. The documentation will form a full set of records for the loan.
Downpayment	An initial payment made by the buyer to the seller of the house.
Financial Institutions	All commercial banks and finance companies licensed under BAFIA 1989 and Islamic banks licensed under the Islamic Banking Act 1983.
Flat Rate	A term to describe interest that is charged as a fixed percentage of the loan amount throughout the tenure of the loan. The flat repayment amount is usually determined before the commencement of the repayment programme. For example, interest charged on a RM 10,000 loan at a flat rate of 10% per annum is RM 1,000 annually until the loan is fully settled.
Floating Rate Loan	A term used to describe a loan, where the interest charged fluctuates due to the rise and fall of a certain indicator such as the Base Lending Rate.
Foreclosure	Legal action available to the financial institution for recovering outstanding sums owed by a borrower who has defaulted on his/her loan. The property pledged by the borrower to secure the loan is sold and the proceeds of the sale used to settle the outstanding loan amount.
Graduated Payment	A scheme that allows the borrower the flexibility to pay a lower instalment sum at the beginning of the loan tenure before progressing onto a higher instalment sum as the borrower's purchasing power improves.
Gross Monthly Household Income	The sum of gross monthly pay of all working family members before deducting income tax, Socso, EPF, loan instalment or other deductions plus any additional income from overtime, commissions and other sources.
Guarantor	Person or entity who is legally bound to pay a debt incurred by the borrower if that borrower fails to pay.
Homeowners Insurance	An insurance policy that combines liability coverage for a homeowner together with protection from damages caused by wind, fire, vandalism and other risks.
Interest Rate	The amount charged by the lender to the borrower for borrowing a sum of money expressed as percentage of sum borrowed.
Late Charge	A penalty charged by financial institution for not paying instalment due on time.
Letter of Administration	A Grant of representation issued by the High Court to a person to allow him to administer the estate of the deceased who died without a will.
Loan Tenure	Number of years taken to fully repay the loan principal and interest as agreed under a specific repayment programme.
Margin of Financing	The loan amount granted by the financial institution, expressed as a percentage of the value of property pledged to secure the loan.
Mortgage Reducing Term Assurance (MRTA)	A term insurance which reduces over the tenure of the loan. This form of insurance is used to provide cover for the outstanding loan amount, in the event of death or total permanent disability of the insured. MRTA is normally calculated to meet the outstanding loan amount.
Outstanding Loan	Remaining loan not yet paid, including interest and other charges.
Overdraft	A type of credit facility granted to the eligible current account holder. The borrower is allowed to issue cheques exceeding the credit balance in the current account but subject to a certain pre-approved limit granted by the financial institution.
Power of Attorney	A formal legal document giving authority to one person to act on behalf of another person.
Prepayment	Payment of all or part of a loan before maturity.
Prepayment Penalty	A fee charged by financial institutions for early payment of loan in full. The fee charged is usually based on a percentage of the loan amount or X months of interest.
Principal	The amount borrowed from financial institutions, excluding interest and other charges.
Property	Refers to landed properties (like house, apartment, condominium) and land (like bungalow lots).
Refinancing	The process of paying off a portion or the entire amount of the existing loan with the intention of obtaining another loan from the same or another financial institution.
Sale and Purchase Agreement	A written contract signed between the buyer and seller stating amongst others, the terms and conditions under which a property will be sold.
Security	Real or personal property that guarantees the repayment of a loan. The borrower risks losing the property if the loan is not repaid.
Term Loan	A loan which is repaid through regular periodic payments, usually over a period of time, for example 10 years.
Title	A legal document establishing the right of ownership on a property.

(Source: 星洲互動‧2005/05/13)

城市屋價漲‧置產變成夢

今天，越來越多城市人說，在工作附近，想擁有一個屬於自己的產業單位，似乎越來越像個夢想。

在首都、檳城等大城市，產業的價格越來越逼近天價，漲幅之大、漲速之快，讓許多真正需要房產單位者，有措手不及的感覺。

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從馬來西亞人口及城鄉發展來探『房市熱力』

住宅房產市場供過於求？市場調查顯示，供應過剩集中在低檔，譬如廉價組屋及單層排屋等領域，柔佛州的情況最明顯。在巴生河流域及檳城，新建的房屋，有地的產業類型，幾乎不考慮單層排屋，即使有，也只是少數目的單層半獨立式或獨立式洋房。

大馬產業市場的發展步伐，依然是由住宅產業領域在推動，唯一不同的是各州產業市場的發展動力，以及人口的增長速度。

大馬在2000至2010年這10年之間，人口的年增長率平均2%，每年大約56萬人，10年來的人口增長，幾乎是新加坡的人口總數。

1970年代新經濟政策的推行，以削減社經不均衡現象，在這期間，人口的增長主要以土著（馬來族群為主），目前佔總人口的61%。

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亞洲房產‧新加坡最搶手

新加坡、香港和台灣位居房價年增長率最高國家與地區排行榜榜首。當前，新加坡的房地產市場沒有任何不利因素存在。

新加坡、香港和台灣位居房價年增長率最高國家與地區排行榜榜首。當前，新加坡的房地產市場沒有任何不利因素存在。

根據全球房地產指南（Global Property Guide）指出，受大批資金充裕的中國買家的推動，去年新加坡住宅價格漲幅達到了驚人的38.1%，這些買家希望抓住該地區強勁的經濟復甦勢頭和低利率機遇，在這一亞洲金融中心大賺一筆。

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