1. Check
your eligibility of loaning facility.
Normally bank can tell if you bring the payslip to bank and tell them your
current commitment. Roughly I may help to calculate your eligibility, but I am
not able to tell your record of CTOS/CCRIS – whether you are a good paymaster,
only bank having the record and only you, know yourself better discipline of
paying back!! Hehe…
2. Call
me to check availability / for viewing appointment
– leave a message if I didn’t pick up.
My call num 013-2597700, my-whatsapp
-019-3848077
My FB- sufimaria@gmail.com
3. If
you like the property, please prepare 3%
of the Purchase Price. You may standby the cash in case the property is a
fast sell one. You may encounter a few customer attending the viewing session
simultaneously..and interested to buy the same. First booking basis. Payment
straight to bank account, never pay hard cash to any agent with no proof of
transaction.
4.
Documentation
Employed
IC – Payslips 3 months – Bank Statement 3 months – Latest Employment Confirmation – Latest EPF Statement – EA form(having it better) –
IC – Payslips 3 months – Bank Statement 3 months – Latest Employment Confirmation – Latest EPF Statement – EA form(having it better) –
Self Employed
IC - Bank Statement 6 months
(give savings and current account), and all bank saving passbook that shows
your saving – Biz Licence –
5.
Gentle
Reminder
Always better to pay 7% balance
of the purchase price using cash in hand, then only claim from epf. Sum times
owner of the house refuse to wait for a long time and may cancel the agreement
since they can get buyer who can pay 7% by cash, this is especially for
property below RM300k.
6. Legal
Fees, always better to have a few thousand more cash in hand to standby for
legal fees.
All the 5 and 6 are depending on
the owner discretion, the rating of the properties (is it a hot selling one)
Things are always open for
further discussion and consensus.
Have a pleasant viewing!
