Friday, April 22, 2016

Part 1: Property Virgin

I bought my first house when I was working in Langkawi back in 2014. I didn't really plan to buy property in Langkawi since my husband is in Puncak Alam. So, we're basically look forward to buy our home in Selangor/Putrajaya. 

But, I guess, it's my rezeki to get the opportunity to buy a house in Langkawi since it's actually an offer from my previous company selling their asset (house) at a very low price - it is one of staffs' privileges. 

After discussed with husband and my parents, they said "why not". So yeah, I bought that house as an asset and we're planning to make it as a homestay. Homestay in Langkawi? Ka-ching! ka-ching! ka-ching!

However, due to some unexpected circumstances that we have to use the 'modal'/money for other important things (priority-wise), we end up rent the house. 

After a year plus now, staying and living together with my husband in Selangor, my parents urged me to buy our own house instead paying the rent for RM900 per month. They see it as a huge waste of money to spend on rent. 

I do and totally agree with my parents (my mom specifically whom very persistent pushed me) to buy our own house but considering the house price in current market particularly in Selangor/Putrajaya area which is VERY VERY VERY high, I need more time to survey and ensure that we (hubs and I) not spending so much money for our dream home. 

So, there's one day the ad of 'selling-property' pop-up in my Facebook which surprisingly I found the price is within our budget. And as much as I thought it was nothing more than just a scam but still, I without delay filled the form given. 

And the day after, the agent called me.

He asked and gave us 3 days to pay RM10k for the booking fees.

RM10k!!!

RM10,000.00 to just BOOK that house!!! Otherwise, we'll going to lose it.

So, here are the tricks;
  1. Don't get panic
  2. Don't get over-excited
  3. Don't rush
  4. Don't fool yourself

We talked and shared with lots of people (i.e.: family, friends and of course our neighbor too)

Apparently, it is not something unusual or strange to pay RM10k for the booking fees because it depends on the; 
1) house price and 
2) developer

So, what we did was; we went to the developer's office to get the confirmation and figure out either the project is truly exist. 

Fortunately, they do have the project and not launch it yet. (well, that supposed to mean - you have the ADVANTAGE!)

*Info sharing: The price before launch day is cheaper than after

After long discussion and talk with the developer, we somehow have agreed to buy that house. Gulp!

And now, we've gone through (not even half of the process yet) the following steps; 
  1. Choose/select the house lot - corner of course
  2. Pay the booking fees - RM10k to the developer by bank draft
  3. (After launch) Pay 10% deposit from the house price - which in our case, RM10k have deducted from the 10% deposit and just pay the balance of it. 
  4. Sign the S&P
  5. To receive S&P copies for the next step; to apply home loan. (And here, we are now)
....................

In the meantime, let's pray the process of our home loan goes smoothly and successfully approved. Aminnnnn.



Wednesday, April 20, 2016

13 Feb 2016


Eris has turned 1 year old and 2 months already. 

We, tbt, have delayed her birthday celebration a month late. :D :D :D

But, I hope the theme of 'little angel' is worth the wait because she absolutely looks admiringly cute that I will never forget in my entire life! Oh, baby... how time flies..
*happy tears*

video

And this video (that I've made few months before her birthday) is special for my little angel, 
Eris Raissa.