關於 residential meaning ，我們在網路上蒐集到這些相關的討論、資訊與評價

10 tips beli rumah . jom ruang kan masa membaca . tak salah kita menambah ilmu . 😊

1. Pilih Loan Yang Betul
Pastikan loan pertama yang anak muda buat dengan bank adalah loan rumah. Bukan loan kereta. Ini adalah kerana loan kereta akan menyebabkan komitmen anak muda semakin tinggi dan kelayakan di pihak bank untuk beli rumah semakin berkurangan. (Kalau nak pakai kereta jugak, pastikan guna nama orang abang, kakak, atau ayah. Asalkan bukan nama kita. Nak senang lagi, mintak nak...
Continue Reading10 tips to buy a house. Let's space the time to read. It's not wrong for us to add knowledge. 😊

1. Choose The Right Loan
Ensure the first loan that young people do with the bank is a house loan. Not a car loan. This is because car loans will lead to young people's commitments getting higher and the qualifiers on the bank to buy houses are reducing. (If you want to use a car, make sure to use the name of your brother, sister, or father. As long as it's not our name. Want to be easy again, asking to continue paying their car)

2. Use Company Accounts As CashFlow
If young people do business, make sure that customers bank in to the company account. Not a personal account of young people. If the customer banks into a personal account, it will NOT be counted as INCOME. So, lose it there. If anyone missed it, transfer back to the company account with a note ′′ CASH SALES ". If you are eating your salary, and within the same time your own business, register the company. ENTERPRISE is enough.

3. Pay KWSP
If young people are doing their own business, make sure to set your salary for yourself and pay your own business. When applying for loan bank later, there will be 2 types of income of young people. That is income from business, and income from your own salary. For salary payment, use company check to pay. Avoid transfer online only. And make sure to make Payslip and cop together.

4. Don't Influence ASB Loan and Personal Loan
Don't be quick to take ASB Loan or Personal Loan. Because this type of Loan is always the factor that leads to our home bank rejected loans. If you want to take ASB Loan too, make sure that after passing your home loan, then take it once. For me, if you plan to buy a second property, don't take an ASB loan anymore. Because usually the bank will offer us after we pass our first home loan. (but it's different if your income is big, if just taking ASB Loan and monthly payments doesn't give a big effect on your DSR, it's okay.

5. Buy First Home For Investment
For the first home, make sure you buy for investment purposes. Why did I say that? Because if young people buy to sit by themselves, it will be a expenses for young people. It's different if young people buy it in cash. Investment is also divided into two. Either Cash Flow or Capital Gain. If young people choose to cash flow investment. It means young people rent the house to others. Ensure the rent given is nothing less than the bank's monthly payment. Another one is Capital Gain. This means, young people buy a house at a certain period, and when the value of the house increases, young people sell / flip the house and get profit from the sale. This way is called Capital Gain.

6. Don't Combine The Name Of Husband Wife When Buying
Avoid combine the name of husband and wife while buying a house. This is because, everyone is only eligible to get a 90 % loan for two houses only. If the 70th house, only get a loan for 70 %. This means, if you follow the rules, a couple of wives will be able to buy 4 houses. But if combine the name, it will be only 2 houses to get a loan of 90 %. So, you'll lose it. The right rule for a husband and wife is... Buy 4 houses, 1 to sit alone, and 3 more for rent. It's a profit from renting that house to pay monthly for the house that you sit. Isn't it like sitting like that?

7. Ensure CCRIS Records CLEAN
CCRIS record is a record from Bank Negara that collects our debts with financial institutions in Malaysia. To make it easier for you before you decide to make a home loan, make sure you check your own CCRIS record first. Later you'll see your debt list and next to your monthly payment list. If it's 0, it means your record is clean. You're a man of mind. If it's 1, this means there's 1 months out, then 2,3,4 and so on. The way to check is to go to the National Bank and use the machines provided. Or now can apply online only. I'll show you the other day.

8. Three Types Of Home You Need To Know
There are three types of homes you can buy.
FIRST - undercons house (meaning under construction). Usually undercons homes are suitable for people who plan on FLIPPING (Selling) when they're done. If you're looking for a house with discount 7%, then you just need to remove 3 % capital. If you can find a house that gets 10 % discount, then you don't need to withdraw the capital to pay deposit.
BOTH - House of subsale. (means the house is done and has someone else's name). For this type of subsale house, a very large capital is required. If the house is RM500, 000, then a deposit of RM50, 000 is required. Added again with legal fees, etc.
THIRD - Auction House. Among these three types, auction houses are at very high risk. But it's okay.. high risk, the return is high.. If winning auction bid is much cheaper than market price, you'll be lucky.. For auction types, you need to study in terms of market value, house state, neighborhood and others before committing to join the bid. If you ask me, I'd rather buy a UNDERCONS house. 😊

9. Buy Undercons Home
If you choose to buy a house under cons, then choose a big developer. Examples like SP Loyal, IJM Land, Sime Darby, Worldwide and others. The first reason why to choose this developer is less risk. Meaning, the risk for abandoned projects is very low. If you choose a developer with no name, the risk is very high because they may lack capital or have other problems and cause the project can be abandoned. We will lose too later.
Second reason, if a big developer, they usually provide many benefits to their property buyers. For example, 5 %- 10 %, free air conditioner, alarm system, vinyl floor and more. Additionally, big developers will usually provide plenty of facilities in a residential park that they are developing. Look at SP Loyal example. So lucky people buy a house in this nature. How many new facilities they get. For example, there are malls, mosques, banks, parks, and more.

10. Buy Following Skills
Buy a house according to ability. Don't follow the lust. Yerlah, sometimes we are affected by friends who buy big houses, we also want to buy a big house. Loan may be able to pass.. but when entering the monthly payment chapter, it's really burdening you. Monthly commitment is higher than the income you get. Last-last, outstanding! So, to avoid this happening, before deciding to buy any house, make sure you count first about your monthly income ability to pay the house later.

11. Extra Tips
It's normal if loan for the first house, the bank wants to see your CCRIS record. Depends on some banks too. If you have never made a loan with a bank, then your ccris record is empty. And banks can't judge how discipline you are on loan payment. So, if this problem happens to you, there are 2 ways you can do it.
FIRST, you apply credit card and use it. The way to use the correct credit card is, swipe during the day, and at night keep paying back the credit card. This is to prevent you from forgetting to pay.
, make personal loan in the lowest amout in Easy RHB. This way, the bank will see a track record that you are a good debt payer.Translated

【為愛遠征】4/13｜ 挑戰期｜德國紐倫堡-捷克
　
早上，車內一如往昔坐著九個人，卻沒有吵鬧喧嘩或談天說笑的聲音，只有一片寂靜。
　
In the morning, there are the same 9 persons in the car, no laughter and noise of chatting; but stillness.
　
仁銘：「是否因為要離別了，所以你正在沈澱著這幾天的相處?」
狼先生：「是的，你怎麼知道我在想什麼！」
狼先生特地載我們到Amberg高速公路旁的休息站，向東走約30公里就抵達捷克邊境說『大部份來這裡加油的人會駕車通往捷克，就把你們放在這邊了。』
大家抱下行李後，沒能曉得如何跟短短相處兩天卻建立深刻情感的狼先生說再見，只好用擁抱替代言語和感謝。
　
Ren-ming:「Because of parting, I wonder whether you are thinking about the these days we get along?」
Mr. Wolf:「Yes,how do you know what I am thinking?」
Mr. Wolf drived the car to the gas station near high way, almost close the border of Czech.
「Most driver come here always go to Czech too, so leave you here.」
After take off baggage, no one knows how to say good bye for the real and impressive relationship, so everyone hug Mr. Wolf tightly to substitute words and thankful.
　
狼先生紅著眼眶留下了眼淚說：「你們就像是我的家人，謝謝你們。」
大家也因爲這句話而感動地落下淚水。
　
Tears drop down from Mr. Wolf’s eyes:「you just like my family,thank you.」
Everyone feel toughful and also tears drop down from eyes.
------------------------------------
　
早上11點半，我們分為兩組攔車前往捷克布拉格。
第一組夥伴攔到車後，因車主遇見朋友，希望可以分車搭載，所以被拆為兩車。其中一位司機大哥不會英文，但我們仍努力說明挑戰的意義，使得將近三個小時的車程互動，變得活絡愉快。
　
11:30 am, we separated into two teams hitchhiking to Prague, Czech Republic.
Frist team try to use body language to communicate with driver who can not speak English, but we still share the meaning of our challenge hard between the 3 hours drive, not easy but have a lot fun.
　
第二組夥伴直到下午3點鐘才攔到第二台車。Radim先生表明自己開車250公里從德國內陸來到這個加油站，需要片刻休息再上路；上車後，途中停下來休息兩次，我們也以按摩作為回饋。過程中，看見對方糾結猙獰的臉孔逐漸轉變為通體舒暢的笑顏，也為團隊的付出感到有所成就感。Radim先生愉快地說：「I feel I'm a new man」。
　
Second team get on the car until 3:00 pm.
Mr.Radim said that he already drived for 250km, need to take a rest.
On the way to Prague, Mr.Radim stop on roadside twice, and we provide massage service.
In the process, the facial expression on Mr.Radim from pain to joy, everyone feel a sense of accomplishment.
And Mr.Radim say:「I feel I'm a new man」.
　
入境了捷克，沒有通關人員的檢核與蓋章，只有站立在路邊的捷克國旗立牌，好不真實。
　
When we enter Czech Republic, there is no stamp and entry inspection, only the flag on the roadside, it’s feel not real.
　
晚上7點，全體夥伴在布拉格查理大橋下集合。
　
7:00 pm, we bring together under the Charles Bridge.
　
休息一會，尋問坐在椅子上愜意談天的兩位捷克女孩住宅區方位，女孩建議找旁邊的小酒館詢問，我們聽取其建議上前詢問。其中一位懂得英文的女士協助翻譯，並熱心幫忙尋找住宿的地點；一個小時後，確定了今晚住宿的地方—按摩工作室，是女士與友人共同所經營。
　
After rest, we ask ladies who sat on the chair, want to know about the direction residential, ladies point to the local bar, and suggested that we may go to ask.
One of the stuff who is a lady and can speak in English, help us to communicate with other stuff, one hour later, we identified a place to stay tonight-a massage studio.
　
跟隨著不會說英文的女主人來到工作室，雖然雙方無法用言語溝通，但我們透過肢體、燦爛笑容以及彈奏吉他獻唱，貼近彼此，在細雨中前進。
　
We follow the ladies who provided us accommodation that night, even if our communication without language,but we can use guitar, singing, smiling, joy, and close each other on the rainy days.
　
謝謝
Děkuji
　
文字/敏芝、雷娜
編輯/雷娜
照片/仁銘