Joint purchase property propsocial1
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当家庭成员、夫妻、同事、朋友或任何的人一起购买房子,这就称为 ‘联合拥有物业产权’。致于联合拥有物业的背后,可有种种原因,一般可能是为获得更高的银行贷款或可能是纯粹为了投资目的。但无论如何,大家都有必要先了解联合拥有物业的性质和其障碍。

首先,联合拥有物业将会限制您身为物业业主的权利和特权,同时在转移产权时会有些麻烦。万一持有产权的任何一方有意见不合,会直接影响物业的处理方式。

签署联名买卖合同前,必须做的第一件事就是要清楚了解该物业,以及各方之间的实际协议细节。

每一方都首先必须在收益率期限(无论是长期或短期)、责任与贡献、地税结算方式、贷款、贷款评估方面达成共识。所有资料和数据都应清楚表明出来(最好是写下来)。

万一发生感情变僵、意外死亡事件或有意售卖房产时,这协议即能保护到自己的利益。要注意的是,任何一名联名买家死亡后,他们所拥有的产权将落在无遗嘱死亡法律的管治下,并将依据该法律做出适当的分配。在生的联名买家必须先获得法院的许可令才能把房产出售,该许可令必须在房产出售前由指定的受益人获取。

一般上联合拥有物业的房主们(又称联名买家),在1965年国家土地法典第342(1)条文的限制下,都有平等的物业拥有权,除非协议书当中有作另外规定。为了避免在未来发生任何的误解或意见不合,这就是为什么作出一份适当的协议书是至关重要。


(参考资料: http://propertyinsight.com.my/legal/joint-purchase-on-properties-the-challenges/


(Translated by: Yau Yin Wey, 30th August 2016)

James bond craig junio2006 small

I've got some questions about joint purchase:

If given a choice, would it be more worth it for a joint purchase in terms of home loan or single purchase? 

Also, for instance, if my friend is a bumi and we want to joint purchase to leverage on bumi discount, will that be possible? And if not possible, then can we purchase under his name but we do a side agreement privately? Anyone done this before?

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@james_bob 

Looking at how strict and rigid Bumi ownership quota is. I don't think you can leverage on the bumi discount if you joint purchase with a bumi, even the bumi is your spouse also cannot. Unless it is bumi-released unit. 

James bond craig junio2006 small

Well, if spouse is bumi, most likely will have to convert to Muslim and that would make the person bumi after that. No?

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@james_bob 

Yes you are right... At least in Malaysia... where your spouse need to convert to Islam and with it come with all the benefits of bumi property ownership.