Istilah Hartanah

30 Istilah & perkara yang patut REN tahu: (oleh Bill Rohaizan)

1- CoA ~ CoAgency at30 Istilah & perkara yang patut REN tahu:

1- CoA ~ CoAgency atau coBroke. Bermakna bekerjasama utk menjayakan jualan hartanah.

2- Listing ~ senarai property yg dimiliki. 30%-50% kejayaan seseorg REN dlm property berdasarkan listing yg dimiliki.

3- REN ~ Real Estate Negotiator

4- WTS ~ Want to Sell

5- WTB ~ Want to Buy

6- WTR ~ Want to Rent (Utk Menyewa)

7- WTL ~ Want to Let (Utk diSewa)

8- FH ~ Freehold / Pegangan selamanya.

9- LH ~ Leasehold / Pajakan

10- MR ~ Malay Reserved

11- BU ~ Build Up / Keluasan Bangunan

12- LA ~ Land area / Keluasan Tanah

13- ROI ~ Return of Investment

14- BR ~ Base Rate. Kadar interest atau caj bank menggantikan BLR. Berdasarkan COF (cost of fund) & SRR (Statutory Reserved Requirement) (Sila Download imoney.my)

15- BLR ~ Base Lending Rate. Berdasarkan OPR (Overnight Policy Rate)

16- Locking period - tempoh tertentu yg dikenakan oleh pihak bank utk elak peminjam buat settlement awal. Antara 3-5thn biasanya.

17- Yeild ~ hasil. Biasa kira jumlah sewa bulanan x 12bln dibahagi dgn kos property x 100%. Paling cantik sama atau lebih kadar % bank. 5% ke atas.

18- Sinking fund ~ wang yg simpan utk tujuan membayar kerosakan/hutang secara beransur-ansur

19- Master title vs Individual Title ~ Geran Besar vs Geran Individu

20- SOHO, SOFO & SOVO ~ Small Office Home Office, Flexible Office, Versatile Office

21- Kaveat - Sekatan @ halangan. Kaveat pendaftar, persendirian, Lien & Amanah.

22- RPGT - Real Property Gain Tax (Cukai Keuntungan Harta Tanah - CKHT) 1-3thn cukai 30%, 4thn 20%, 5thn 15%, 6thn ke atas 0% bagi harta kediaman.

23- DSR ~ Debt Service Ratio / kadar menetukan loan pembeli boleh lulus

24- MLTA ~ Mortgage Level Term Assurance

25- MRTA ~ Mortgage Reducing Term Assurance

26- MV ~ Market Value (Nilai Sebenar)

27- Asking Price ~ Nilai Penawaran

28- JMB ~ Joint Management Body (Badan Pengurusan Bersama)

29- FMC ~ Free Moving Cost (bank tanggung kos lawyer dll) tapi skrg dah takde faciliti ni.

30- Consent ~ Kebenaran. Yg diperlukan drp PBT/SUK dll.