Selepas melawat laman web PropSocial, anda mempunyai idea untuk membeli rumah pertama anda. Soalan cepu emas - Patutkah anda membeli rumah sekarang atau tunggu sehingga anda lebih tua? Sebenarnya tidak ada kategori umur yang untuk membeli rumah.

Namun begitu, anda perlu tahu yang semakin meningkat umur anda, semakin kurang terma pinjaman yang boleh diperolehi. Jumlah maksimum adalah 35 tahun (atau kurang daripada itu bergantung kepada bank) ataupun jumlah tahun yang tinggal sebelum mencecah umur 65 tahun.

Ini bermakna jika anda ingin membeli rumah pada umur 40 tahun, tempoh pinjaman maksimum adalah 25 tahun (atau kurang daripada itu). Tempoh yang lebih pendek bermakna jumlah pinjaman bulanan yang lebih tinggi kerana anda tidak akan mempunyai pilihan untuk mengeluarkan wang pinjaman anda buat jangka masa yang lebih lama.

Perkara ini mungkin menghadkan pilihan anda dalam membeli hartanah, contohnya anda terpaksa membeli rumah yang lebih murah atau lokasi yang lebih jauh daripada kemudahan seharian.

Tambahan lagi, semakin lama anda menunggu untuk membeli rumah, harga hartanah kian meningkat.

Adakah ini bermakna anda perlu tergesa-gesa dalam membeli rumah?

Pertama sekali, anda perlu tahu bahawa membeli rumah adalah tanggungjawab kewangan yang besar. Selain itu, walaupun anda tahu harga hartanah tidak akan turun, cubaan untuk membeli rumah dengan kewangan yang tidak stabil dapat menundakan cita-cita anda untuk memiliki rumah.

Sebelum kita teruskan, mari tengok dulu video dibawah untuk lihat apakah pandangan generasi muda tentang pembelian rumah:

Bagaimanakah baru dikatakan memiliki kewangan yang stabil?

Untuk menjadi lebih praktikal, kami senaraikan faktor-faktor yang menentukan sama ada anda bersedia untuk membeli hartanah sendiri atau pun tidak; dan apa yang perlu anda buat untuk mencapai kewangan stabil:

(i) Adakah anda mempunyai simpanan yang cukup untuk membayar deposit?

Walaupun anda boleh memohon pinjaman sebanyak 100% di mana deposit tidak diperlukan dalam membeli rumah, pinjaman tanpa bayaran pendahuluan ini datang dengan pelbagai batasan serta kadar faedah lebih tinggi. Namun isu yang lebih merisaukan adalah kadar kelulusan yang rendah.

Secara realistiknya, penyediaan wang pendahuluan semestinya akan memudahkan proses pemilikan rumah. Anda sekurang-kurangnya perlu memiliki simpanan berjumlah sekurang-kurangnya 10% daripada harga rumah tersebut. Lebih banyak yang anda milkiki, lebih besar peluang untuk pinjaman anda diluluskan. Anda juga boleh menjimatkan wang daripada segi faedah daripada bank.

Walau bagaimanapun, jangan bimbang jika anda tidak mempunyai jumlah simpanan yang mencukupi. Anda mungkin merupakan seorang yang bijak dari segi kewangan, contohnya anda mempunyai jumlah yang cukup dalam akaun KWSP, sebuah pilihan pinjaman yang dengan subsidi daripada majikan atau kelulusan daripada program perumahan kerajaan.

Baca: Bagaimana Hendak Mengeluarkan Wang KWSP Untuk Membeli Rumah?

(ii) Adakah anda mempunyai sumber kewangan yang tetap?

Seperti yang anda sedia maklum, pembelian rumah merupakan satu perkara yang sangat serius. Anda bukan sahaja perlu memikirkan tentang pinjaman bulanan, malah juga tentang cukai hartanah, insurans, penjagaan, dan juga lain-lain kos yang akan menjelma daripada semasa ke semasa.

Anda mungkin merasa tekanan untuk memiliki rumah ketika kesemua rakan dan sanak-saudara sudah memiliki rumah mereka sendiri. Tetapi ingat, anda patut lakukannya apabila anda sudah bersedia jika anda tidak ingin mengumpul hutang yang berlebihan.

Kebebasan kewangan bukanlah sesuatu yang boleh dikecapi. Jadi, salah satu cara untuk memastikan anda stabil dari segi kewangan adalah dengan menetapkan simpanan khas untuk bayaran pinjaman rumah serta perbelanjaan lain.

(iii) Adakah anda mempunyai pelan kedua sekiranya terjurus dalam masalah kewangan?

Apa akan terjadi jika tiba-tiba anda tidak mampu membayar pinjaman? Jika anda terus tidak mengendahkan bayaran bulanan anda, anda mungkin boleh kehilangan rumah anda, dikenakan penalti faedah yang tinggi, mendapat skor kredit yang buruk dan paling teruk sekali – muflis.

Jika anda fikir ini bukanlah perkara yang serius –fikirkan sekali lagi! Sebab kedua tertinggi berlakunya kes muflis di Malaysia adalah kerana kegagalan dalam membayar pinjaman perumahan. Tanpa sebarang pelan sandaran, memang mudah untuk perkara ini terjadi. Perkara pertama yang anda perlu buat adalah merangka strategi keluar sebaik sahaja anda sedar yang anda tidak mampu membuat bayaran bulanan.

Orang yang bijak mengurus kewangan juga bijak mengurus hartanah sekiranya ada masalah dan mula mencari wang untuk membayar bayaran tersebut. Contohnya, mereka mungkin menggunakan dana EPF mereka untuk meneruskan kembali pinjaman tersebut atau mengurangkan bayaran bulanan.

Jika itu mustahil, langkah seterusnya adalah untuk menghubungi bank dan membuat permohonan supaya pinjaman tersebut distrukturkan kembali kepada jumlah yang mereka boleh tampung. Contohnya, tambahkan tempoh pinjaman dan kurangkan bayaran bulanan, ubah kadar faedah, strukturkan semula pinjaman tersebut. Dapatkan bantuan daripada Agensi Kaunseling Kredit dan Pengurusan Hutang.

Akhir sekali, jika semua pilihan ini tidak berjaya, anda mungkin perlu menjual kembali rumah tersebut dan gunakan hasilnya untuk membayar pinjaman yang telah dibuat. Jika anda telah membina ekuiti di dalam rumah, di mana harga pasaran telah meningkat, anda mungkin boleh keluar daripada masalah ini tanpa kerugian besar. Malah anda mungkin boleh jadikan pengalaman ini untuk membeli rumah lain pada masa hadapan, bila anda lebih bersedia!

Tip Bonus: Apabila membeli aset yang besar seperti hartanah menggunakan pinjaman, pertimbangkan insurans untuk membayar pinjaman sekiranya berlaku sebarang perkara yang tidak diingini. Sebagai contoh, anda mungkin boleh dapatkan polisi insurans nyawa atau Mortgage Reducing / Level Term Assurance (MRTA/MLTA) untuk membayar pinjaman sekiranya berlaku kematian atau kecacatan kekal. Dengan ini, anda boleh melindungi aset anda dan keluarga.

Jika kesemua jawapan untuk soalan diatas adalah ‘ Ya’, anda mungkin sudah cukup stabil untuk memulakan perjalanan dalam memiliki rumah, tidak kisahlah apa usia sekalipun! Jangan lupa untuk membuat perbandingan hartanah di laman web PropSocial untuk membuat keputusan yang lebih baik.

(Translated by: MK Zainal, 11th August 2017)

Bear in mind, that no matter what the selling price. We will still be paying more if we take a mortgage (consider the bank interest) . Unless you buy with cash money. 

So there is no cheapest time to buy, if you feel you can afford it. Go for it! 

Buy when you are young. When you still can leverage from bank. When you are young commitment lower and also still have a lot of energy and time to make money.

@freemanwoo 

Yes agree to invest when we are young and with lower commitments. Also remember to purchase sufficient basic life+medical insurance coverage...

Contrary to what the insurance agents may want you to understand; I personally do not recommend any Investment Linked Policies for wealth building...

Again, if you have money or help from your parents, of course start as early as possible. It's all about the affordability.

@james_bob 

Family loans can really help you or break you... be aware, and best to agree on the loan repayment terms beforehand.

Agreed on dom. As long as you got money, go for it. But first thing, don't buy or buy a cheaper car first, it will only be a burden for your mortgage or finance. Buy something which is capital appreciate better.

@windzneom 

Please bear in mind the safety aspect when deciding on your mode of transport in the city... 

I still see people who choose motorcycle as their main mode of transport... 

Pros: less jam, no toll and cheaper petrol...

Cons: Risk of Accident

For me it is not the age, its about financially ready.

If you are from wealthy family thats different story. But if just from your own, perhaps look at the financial ready or not. And also your career pathway. earning more at early age also would differ the decision of buying. 

So for a starter, dont waste your opportunity on getting an affordable home first. 300k for a 800sf... well just dont waste the chance :)

any age is good age as long as you can affort and ready to commit for long term.

In my opinion, there's never too young or too old to buy a property. Buy whenever you are ready financially and when you find the most suitable unit for yourself, be it for investment or own stay.

Better before 30 years old , I am 31 years old getting my 1st property ... But I feel a bit regret , when I was 2x ++ years old , I spend all my money on my car ... haiz ...

@kksah5097 same KK, i spend all my money on cars, i;m so regrets now. Thats a story to tell our kids next time. haha~and now good news, our public transport is alot better than last time, so shouldn't be a big problem for our young generation to live without cars.

@windzneom 

I would tell myself the following if i can travel back in time 10 years ago:

After graduate... if really essential, buy an affordable and reliable 2nd hand car first. Quickly decide on an affordable medical card insurance, and then start investing like mad! 

Unless you want to impress the opposite sex with your ride, haha. 

Ya Dominic, totally agreed. haha~ But one thing i felt lucky is that i didin't buy an expensive car that time! if not the installment will be crazy!

@windzneom 

In fact, my first car was a brand new local car with stable 2nd hand value.

Still with me until today. No regrets!

Car are never an investment, unless it is a vintage limited edition car. Haha

Exactly, i still driving my local car till now. Sometimes client will ask: "earn so much, why didn't change car?"...my answer: "investment better than change car".. haha

@windzneom 

Can't agree with you more. Don't change something if it is not broken. Or until it cannot fit your growing family.  Haha

One definite good thing about newer cars, is that they come with better safety features and fuel efficiency. Which typically comes with higher ASEAN NCAP Safety Rating.

Yes, what you just mentioned is right, safety issue. Haha. Anyway, when the car maintenance higher than what i expected, i will sell it off. No point if keep spending too much on car maintenance.

There's no best age to get a property or own it. It's just when you feel that your financial is secure and has the extra money to own one, please proceed. Don't force yourself and commit more in a higher commitment thing. Do a financial review on your ownself cutting out the basic monthly debts you are committed to pay each month and you will know how much more money you are flexible to roll on.

@JohnL 

Agree with you 110%.

Also it is wise to keep at least 6 months salary amount as emergency funds. You will never know when the "rainy days" come. 

@domng Yeap, truly agrees in saving for the rainy days. Not to avoid getting yourself a sufficient insurance coverage just in case anything happens, we never know what's next and assigning nomation for it to avoid any future inconveniences

@JohnL 

The key is financial education and planning during your early 20s. We are all racing against time, the later you plan for retirement, the more difficult it becomes.

the earlier the better..but ofcuz need to look at your own financial capability

@wilsonwwws2 

When we are young, we tend to leap (impulsive purchasing) before we look (consider and analyse)... 

Often the outcome is bearable, for those who is able to endure the hardship. 

Agreed with john and dominic. Think and consider properly, study more before buying any property 

Buying property for own stay or so is not buying vegetables or any other thing from the market. Make sure you do the correct affordability analysis and make sure you are committed and capable to repay the loan for the property you wish/would purchase.

@JohnL 

For some investors who can't finance a loan, and really trust their investment judgement... a personal loan from family member is the best source of funds. 

However, oral agreements on the loan payment must be discussed beforehand before taking family loan... the upside is, can save on the legal fees and stamp duties.

even family also same, better to have some sort of black and white agreement.

@windzneom 

Yeah, signed black and white. Each party keep a copy. 

Just in case we lost our memory and forgot to pay back, haha.

not only that. So many cases afterward bring the case to court. haha

Speaking of court cases... it is also prudent to have a WILL prepared... Touch wood.

Of course you will need to have a significant portfolio to pass down to your next of kin ($millions$)

Yes, and must be stated and mentioned to the lawyer clearly. If not you will be charged for taxes. Is 'pass down' or 'change name' instead of 'selling' the property. 

@windzneom 

If mention anything related to "selling" of property... will be taxed accordingly?

tax as in RPGT, if lets say you sell off the property in first 5 years from the day you bought.

Yea RPGT is a must to consider and no buy sell term for fast movement of liquidity of cash as the taxes can be quite heavy based on year owned.

yes, exactly. especially first year!!

@windzneom 

The maximum RPGT is 30% on the profits and calculated by the SnP price?

Yes. First year 30% , second year 30%,  3rd 20%, fourth 15%, fifth 5%.

Chargeable Gain = Disposal Price - Purchased Price
Net Chargeable Gain = Chargeable Gain - Exemption Waiver (RM10,000 or 10% of Chargeable Gain, whichever is higher)
Tax payable = RPGT Rate (based on holding period) * Net Chargeable Gain

@domng sometimes if the SPA price is lower than the market value of the property, the IRB can use the market value to replace the disposal price as they view it as a transaction  in a scheme which is made for the avoidance of RPGT as stated in Paragraph 9 of Schedule 2 of RPGT Act

@windzneom 

Exemption Waiver is a new term to me. 

Is everyone eligible for it and does it apply to all property types?

@domng  you just earn not more than 10% from your disposal price (OR RM10k per transaction or which is higher), then you are exempted from RPGT

@windzneom 

In other words, there is a once in a lifetime RPGT exemption of RM10k? 

@domng the lifetime exemption of RPGT is for the whole RPGT payable. That RM10k or 10% exemption is just a waiver for the calculation of Net chargeable gain

RPGT Calculation:
Disposal Price - Acquisition Price = Chargeable Gain

Chargeable Gain - 10% or RM10k exemption = Net Chargeable Gain

Net Chargeable Gain x RPGT Rate = RPGT Payable

Once in a lifetime RPGT Exemption can be used to waive the 'RPGT Payable' if the conditions are fulfilled.

@henry 

Thanks for the detailed explanation.

@domng no problem ;)

I personally think that age is not a factor. Your financial capabilities is the main factor though. Every year we can see so many young Malaysians going bankrupt because of credit cards, loans, buying shares etc(based on data from Bank Negara). As long as you save wisely and do not spend unnecessary then only will be able to buy a house. Property prices will always go up and will never come down not like our Malaysian currency. So, need long term planning too. 

@ad85_chew 

As long as you buy shares with money you can afford to "lose"... i don't see why investing in shares is not a good way to diversify your investment portfolio.

Some couples only decide to co-own a house when they decide to settle down, it is also not so "affordable" when buying a house alone. 

@domng i agreed it is a way to diversify investment portfolio

Thanks for the good tips!!

any age as early as possible, as long as u can afford.

@6011_3531_5354 

Better if you are young and fortunate enough to inherit properties from your rich Uncle...

@admin_ps great sharing. Inspiring!