Profile picture
, 69 tweets, 106 min read Read on Twitter
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin dorang ni antara admin & sifu2 hartanah yg nda pernah jemu jawab soalan. ni la bukti dia. you guys really helped me a lot
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin ada request buat thread cmna sy beli rumah at the age 24. genap 10 rt insyaAllah sy buat. segan nak buat rt actually. masi newbie 😂😂
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin okay ni thread.
"How i can buy my first house at the age of 24 and only after 3 months of working"

sy masi newbie. mohon tmbh kalau kurang😂
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin okay beli rumah for me is my ultimate bucketlist sebelum kahwin. ada sifu kewangan pernah ajar "beli rumah sebelum kawin, baru mentua suka"
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin but actually tu depends dgn niat masing2 kenapa nak beli rumah. so for a start. "ask yourself nak beli rumah at what age? "
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin sy mula sedar nak beli rumah at the age of 19. after spm. so lepas spm, sy banyak buat part time. sgt2 bnyk
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin asal ada peluang nak tambah income, u will see me there. so income tu nak buat apa? "bukan bnyk pun gaji part time" yes mmg tak bnyk tapi ..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin lama2 duit tu jdi bnyk. so after spm sy kerja part time. pas tu dpt offer masuk ipg. full scholarship. sy pun ambil peluang sebab sy tanak
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin study sambil berhutang. tapi utk yg dah pinjam ptptn, jgn risau. u guys pun bole beli rumah. yg penting bayar pinjaman, jgn miss
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin out bayar. sebenarnya elok juga yg ada pinjam ptptn. sebab korang ada rekod ccris even sebelum bekerja
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin okay time study 5 tahun tu, sy mmg ada elaun tapi sy masih nak ckupkan duit deposit beli rumah. so saya sambung lagi kerja part time semasa
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin sy study. ada yg tnya mcmna sy kerja part time masa study. kelas sy isnin - jumaat, 8am - 4pm. tapi kdg2 ada ja class cancel and cuti pun
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin banyak. so dlm masa 5 tahun tu ada almost 10 kerja part time sy pena buat. btw sy study kat ipg ipoh. peluang pkerjaan mmg bnyk kalau pndai
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin cari. jgn malas. dlm masa yg sama kena kurangkan perbelanjaan. prinsip kewangan sy senang ja "kurangkan perbelanjaan, lebihkan pendapatan"
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin banyak cara kita boleh "kurangkan perbelanjaan, lebihkan pendapatan".ni boleh rujuk sifu kewangan @HalalMoneyMy @kewangangraduan @faizwahab
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin dapat ja income, pastikan masuk dlm asb / th. situ la tabung simpanan deposit rumah sy selama 6 tahun. simpan terus, jgn simpan kat
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin bank simpanan. sebab bank simpanan guna kad, bila2 masa ja kita bole guna. belajar disiplinkan diri. dri zaman study lgi tanam sikap myimpan
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin dah lari tajuk dah. *sorry 😔* okay nak beli rumah paling penting deposit rumah. untuk rumah pertama. mostly bank akan bagi 90% loan
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin so sebelum start mula kerja, sy dah ada deposit nak beli rumah. tapi sy masih tak bole beli ruma. sebab sy belum ada stable income & takde..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin slip gaji. so part sni sy mula berguru dgn @ainzaabar @twthartanah . belajar cara2 & proses belirumah & baca ebook etc..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin even if korang siap2 deposit rumah, tapi belum bekerja atau ada stable income, agak susah nak beli rumah sebab bank perlukan slip gaji &
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin akan tgok rekod ccris korang. so utk yg masi kurang clear psl beli rumah ni. yang paling penting 3 ni
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin 1. deposit 10-15% harga rumah
2. slip gaji 3 bulan bekerja
3. rekod ccris
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin deposit dah ada. slip gaji pula problem. alhamdulillah pada bulan Mei 2017, sy dipostingkan di sebuah sekolah negeri sy sendiri. tq kpm 😘
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin so bila start kerja, sy kena tggu pula 3 bulan. dlm masa 3 bulan tu sy masi lg belajar cara2 beli rumah. tapi kembangkan field. sebelum ni
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin sy cuma belajar cara nak beli subsale.then sy belajar mcm mana nak beli rumah lelong, undercons & subsale. diversify your property knowledge
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin pada ogos 2017, sy mula survey rumah & bank2. memandangkan sda 3 bulan sy bekerja, bank tiada masalah meluluskan loan sy tapi bnyk bank
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin tak dpt luluskan loan sy sebab no. 3, rekod ccris. sy belum ada rekod ccris walaupun ada deposit rumah & slip gaji 3 bulan. sy belum ada
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin komitmen atau hutang mana2. so sy kena cipta 1 hutang utk ada rekod kewangan ccris. ada beberapa option untuk sy wujudkan rekod ccris..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin 1. personal loan
2. loan kereta
3. asb financing
4. card credit

no. 1 tu sy mohon jgnlah korang buat. personal loan tu paling jahat hahahah
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin 2. loan kreta. ni bnyk yg buat. tapi sy tak buat sebab time study sy beli kreta cash 2ndhand. tanak hutang2. dan sy tanak beli keta baru bt
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin sy tak beli keta baru sebab takut kacau DSR (debt service ratio) sy. sy gaji ciput tapi ngade nak beli keta baru, takyah.
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin DSR tu korang bljr kt sifu kewangan yg sy mention awal2 tdi tu k. senang je nak phm tu. untuk no 3, okay ni mungkin bnyk yg argue. sy tanak
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin ambil asbf sebab bagi sy itu masih hutang yg ada interest. dan kacau DSR sy pada masa sama. no. 1,2,3 semuanya hutang dan ada interest bank
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin so sy ambil option no 4. CARD CREDIT. ni mesti ramai pelik. kan bnyk msuk news ramai muflis sebab CC ni. okay cam ni. tu stigma & streotype
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin msyrkt sbnrnya. yg penting tahu apa kegunaan CC ni. sy pilih CC ikut keperluan. apa keperluan seharian korang. bagi sy minyak kereta
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin minyak kereta tu mcmna pun sy tak leh elak nak bayar. so sy cari CC yg ada cashback utk minyak. sy apply Maybank Islamic Petronas CC
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin guna CC, sy dpt cashback, point & juga rekod ccris. yayyy 🎉. tapi ingat. guna CC pastikan byar sebelum kena interest.
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin contoh, sy isi minyak rm30 hari ni. dlm masa 20 hari (ikut bank) sy kena byr hutang CC tu. kalau lebih 20 hari, jumlah tu dikenakan interest
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin bab card credit ni, korang bole study lg dgn sifu2 tadi. yg penting disiplin. jgn guna CC utk shopping pulak. kang tak terbayar 🙊
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin so pada hujung ogos, sy mula contact ejen & owner rumah. sy mula survey dri mudah.my dan bandingkan harga rumah kat brickz.my..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin dlm masa 2 minggu tu hampir 6 rumah sy pegi viewing lepas contact dgn ejen & owner rumah. viewing rumah ni mcm korang window shopping tapi..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin kena set appointment awal2. dan pastikan jgn terus buat keputusan terburu2. lepas viewing, balik rumah, bincang dgn family dlu,buat pro-cons
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin make sure time viewing rumah tu korang tnya betul2 apa yg korang nak tau psl rumah. contohnya..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin 1. title rumah : master / individual / strata

2. tunggakan: bil api / air / cukai tanah / cukai pintu / maintenance fee
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin 3. minta salinan s&p (sales & purchase agreement) dri owner atau ejen.
📌jgn dlu bayar booking fee msa viewing sbb takut nnti deposit tu burn
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin so after viewing rumah ke-6. sy mmg suka sgt2 sebab dpt below market value, grill penuh, tiles penuh, complete la yg penting 😍😍...
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin deal pula dgn owner. lagi la best. sebab minta kurang sekurang boleh. hahahha. market value rm180k. dia jual 170k. sy minta nego sampai dpt
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin 150 k. mcm dpt jackpot. dah lah kwsn hotspot pnyewa pulak. tapi tanak nmpk excited sgt. so buat cool ja depan owner. nak balik tu sy gtau
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin owner "sy fkir dlu, nnti sy call cik ya" dan minta salinan s&p. malam tu sy bincang dgn parents psl rumah & direstui tq ma pa ☺️ so next ..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin step sy pegi ke bank, apply loan rumah. yg ni apply betul2 dah. yg tadi tu kira mcm survey2 bank je. bawa la semua dokumen gaji, kwsp, s&p..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin pgwai bank akan buat kira2, dan dsini korang kena bnyk bertanya. sebab ni loan long-term. smpi ke tua pulak tu. apa yg kena tnya tu cthnya..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin BR, flexible ke tak, lock-in period, islamic capping interest, bulanan berapa, etc..pas tu isi borang apply loan dan tggu seminggu dua
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin bukan stop kat situ ja. lepas dah apply loan, sy g jumpa owner utk byr deposit 10% dlm bentuk bank draft sebagai tnda booking ruma tu
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin 10% sy kena byr 15K kepada owner. bukan byr2 cam tu je. kna buat depan lawyer di office. pas tu sign surat akaun sumpah yg menyatakan..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin "owner telah terima sejumlah deposit" dari sy. so 2-2 kami kena sign depan lawyer tu.bab deposit ni actually tak sama utk lelong & undercons
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin ruma yg sy beli ni ruma subsale. bukan lelong / undercons. yg 2 tu lain lagi process dia. tu bole bguru dgn @twthartanah
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin dah setel deposit, ada kos2 lain lagi kena byr. peguam, valuation report & duty stem. yg ni actually bole bt sekali dgn loan rumah tapi..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin sy tak msukkan kos tu dlm loan rumah. nnti makin mahal la nak byr bulanan. so sy bayar ja siap2 guna duit simpanan. ni kosnya..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin 1. valution report rm650
2. s&p lawyer rm2500
3. loan disbursement rm2300
*duty stem dah include
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin okay lepas dah byr deposit tadi dgn owner. owner bagi kunci rumah. (happy yg tak terhingga time ni). selang beberapa hari, bank call ..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin suruh dtg bank utk sign LO (Letter Offer). tu kiranya application kita berjaya la. baca betul2 sebelum sign. tnya berapa ccm, brpa tahun..
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin utk rumah 150k sy ni, sy dpt
100% loan, max tenure 35 tahun.
byrn bulanan rm775 tapi dpt subsidi kerajaan, so bayar rm575 sahaja sebulan
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin okay bila dah puas hati bab sini, kena pegi buat valuation ruma lagi. yg ni sy pakai valuer bank. dia cas sy rm650 utk valuation report
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin dah setel valuation, urus s&p lagi. yg ni sy tak buat dgn panel lawyer bank sebab sy ada kenalan lawyer sndri. so cas pun dpt murah skit 😂
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin so lepas dah settle s&p, valuation & loan disbursement, kiranya the house is officially yours 👏🏼👏🏼🎉🎉
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin and thats the end for my thread. moga2 bermanfaat. ni experience sharing ya. bukan kena ikut boolaat2. goodluck gais 💪🏽🎉😘
@kewangangraduan @HalalMoneyMy @twthartanah @faizwahab @ainzaabar @mohdkautharr @faridbahrudin i just turned 24 last week, so ni kira birthday present from myself to myself. hehe btw korang yg baca thread smpai abis. naa kek 🍰🍰🎉
Missing some Tweet in this thread?
You can try to force a refresh.

Like this thread? Get email updates or save it to PDF!

Subscribe to 🌻anne
Profile picture

Get real-time email alerts when new unrolls are available from this author!

This content may be removed anytime!

Twitter may remove this content at anytime, convert it as a PDF, save and print for later use!

Try unrolling a thread yourself!

how to unroll video

1) Follow Thread Reader App on Twitter so you can easily mention us!

2) Go to a Twitter thread (series of Tweets by the same owner) and mention us with a keyword "unroll" @threadreaderapp unroll

You can practice here first or read more on our help page!

Did Thread Reader help you today?

Support us! We are indie developers!


This site is made by just three indie developers on a laptop doing marketing, support and development! Read more about the story.

Become a Premium Member and get exclusive features!

Premium member ($3.00/month or $30.00/year)

Too expensive? Make a small donation by buying us coffee ($5) or help with server cost ($10)

Donate via Paypal Become our Patreon

Thank you for your support!

ner .thread-info .count{border-bottom:dotted 1px #999}