REFINANCING YOUR PROPERTY
Dear all friends and members,
Currently I am refinancing my Casa Prima Condo at the interest rate BLR – 2 %
under Zero Moving Cost (Legal fees and Disbursement Fees including stamp duty,
valuation fee etc all bared by the Bank), some bank might given better rate eg.
BLR – 2.1% for whole tenure.
My current loan with existing bank:-
The Existing Loan of RM 178,000-00 for 25 years at the rate of BLR – 0.50 % =
5.05 %
Interest payable at the end of 25 years totalling RM 135,729-00
Monthly instalment amount of RM 1,045-00
Refinancing with new Bank:-
The loan amount of RM 178,000-00 for 25 years at the rate of BLR – 2.00% = 3.55
%
Interest payable at the end of 25 years totalling RM 90,767-00
Monthly instalment amount of RM 895-00
You save RM 44,962-00 at the end of 25 years if you no need to pay penalty
charges under Lock in Period and you save RM 39,962-00 if you need to pay
estimated penalty fine at RM 5,000-00 (different bank different calculation,
please refer to your Letter of Offer).
If you remain the same monthly instalment amount of RM 1,045-00 meaning that you
have pay extra of RM 150-00 (RM 1045-00 minus RM 895-00) to your principal,
prepayments in the amount of RM 150-00 will result in a reduction of total
interest by RM 20,877-00. The term of the loan will be reduced by 5 years and 2
months. The total interest saveable compare with original loan is RM 44,962-00 +
RM 20,877-00 = RM 76,705-00 or RM 60,839-00 if with penalty fine.
The above stated is for reference only. Refinancing not only can save on
interest payable, shorten the tenure of loan, if you take higher loan amount
(subject your property value is increase compare with your original purchase
price), you can have extra cash on hand.
If you need further clarification, kindly contact me anytime. I have most of the
bank's contact and will fit your requirement.
Thank you for your time.
Regards,
Jodie Tan
017-2093608
Chenxiuling82@hotmail.com
Wednesday, March 25, 2009
Refinancing your Property
REFINANCING YOUR PROPERTY
Dear all friends and members,
Currently I am refinancing my Casa Prima Condo at the interest rate BLR – 2 %
under Zero Moving Cost (Legal fees and Disbursement Fees including stamp duty,
valuation fee etc all bared by the Bank), some bank might given better rate eg.
BLR – 2.1% for whole tenure.
My current loan with existing bank:-
The Existing Loan of RM 178,000-00 for 25 years at the rate of BLR – 0.50 % =
5.05 %
Interest payable at the end of 25 years totalling RM 135,729-00
Monthly instalment amount of RM 1,045-00
Refinancing with new Bank:-
The loan amount of RM 178,000-00 for 25 years at the rate of BLR – 2.00% = 3.55
%
Interest payable at the end of 25 years totalling RM 90,767-00
Monthly instalment amount of RM 895-00
You save RM 44,962-00 at the end of 25 years if you no need to pay penalty
charges under Lock in Period and you save RM 39,962-00 if you need to pay
estimated penalty fine at RM 5,000-00 (different bank different calculation,
please refer to your Letter of Offer).
If you remain the same monthly instalment amount of RM 1,045-00 meaning that you
have pay extra of RM 150-00 (RM 1045-00 minus RM 895-00) to your principal,
prepayments in the amount of RM 150-00 will result in a reduction of total
interest by RM 20,877-00. The term of the loan will be reduced by 5 years and 2
months. The total interest saveable compare with original loan is RM 44,962-00 +
RM 20,877-00 = RM 76,705-00 or RM 60,839-00 if with penalty fine.
The above stated is for reference only. Refinancing not only can save on
interest payable, shorten the tenure of loan, if you take higher loan amount
(subject your property value is increase compare with your original purchase
price), you can have extra cash on hand.
If you need further clarification, kindly contact me anytime. I have most of the
bank's contact and will fit your requirement.
Thank you for your time.
Regards,
Jodie Tan
017-2093608
Chenxiuling82@hotmail.com
Dear all friends and members,
Currently I am refinancing my Casa Prima Condo at the interest rate BLR – 2 %
under Zero Moving Cost (Legal fees and Disbursement Fees including stamp duty,
valuation fee etc all bared by the Bank), some bank might given better rate eg.
BLR – 2.1% for whole tenure.
My current loan with existing bank:-
The Existing Loan of RM 178,000-00 for 25 years at the rate of BLR – 0.50 % =
5.05 %
Interest payable at the end of 25 years totalling RM 135,729-00
Monthly instalment amount of RM 1,045-00
Refinancing with new Bank:-
The loan amount of RM 178,000-00 for 25 years at the rate of BLR – 2.00% = 3.55
%
Interest payable at the end of 25 years totalling RM 90,767-00
Monthly instalment amount of RM 895-00
You save RM 44,962-00 at the end of 25 years if you no need to pay penalty
charges under Lock in Period and you save RM 39,962-00 if you need to pay
estimated penalty fine at RM 5,000-00 (different bank different calculation,
please refer to your Letter of Offer).
If you remain the same monthly instalment amount of RM 1,045-00 meaning that you
have pay extra of RM 150-00 (RM 1045-00 minus RM 895-00) to your principal,
prepayments in the amount of RM 150-00 will result in a reduction of total
interest by RM 20,877-00. The term of the loan will be reduced by 5 years and 2
months. The total interest saveable compare with original loan is RM 44,962-00 +
RM 20,877-00 = RM 76,705-00 or RM 60,839-00 if with penalty fine.
The above stated is for reference only. Refinancing not only can save on
interest payable, shorten the tenure of loan, if you take higher loan amount
(subject your property value is increase compare with your original purchase
price), you can have extra cash on hand.
If you need further clarification, kindly contact me anytime. I have most of the
bank's contact and will fit your requirement.
Thank you for your time.
Regards,
Jodie Tan
017-2093608
Chenxiuling82@hotmail.com
Monday, March 23, 2009
学会放下， 烦恼自然远离你！ 舍就是得！
人之所以痛苦，在于追求错误的东西。
如果你不给自己烦恼，别人也永远不可能给你烦恼。因为你自己的内心，你放不下。
好好的管教你自己，不要管别人。
你什么时候放下，什么时候就没有烦恼。
每一种创伤，都是一种成熟。
根本不必回头去看咒骂你的人是谁，如果有一条疯狗咬你一口，难道你也要趴下去反咬他一口吗？
忌妒别人，不会给自己增加任何的好处。忌妒别人，也不可能减少别人的成就。
得不到的东西，我们会一直以为他是美好的，那是因为你对它了解太少。
这个世间只有圆滑，没有圆满的。
不要刻意去猜测他人的想法，如果你没有智慧与经验的正确判断，通常都会有错误的。
你要感谢告诉你缺点的人。
不要因为小小的争执，远离了你至亲的好友，也不要因为小小的怨恨，忘记了别人的大恩。
感谢上苍我所拥有的，感谢上苍我所没有的。
当你手中抓住一件东西不放时，你只能拥有这件东西，如果你肯放手，你就有机会选择别的。人的心若死执自己的观念，不肯放下，那么他的智慧也只能达到某种程度而已。
如果你能够平平安安的渡过一天，那就是一种福气了。多少人在今天已经见不到明天的太阳，多少人在今天已经成了残废，多少人在今天已经失去了自由，多少人在今天已经家破人亡。
恶口永远不要出自于我们的口中，不管他有多坏，有多恶。你愈骂他，你的心就被污染了.
世界原本就不是属于你，因此你用不着抛弃，要抛弃的是一切的执著。万物皆为我所用，但非我所属。
学会用理解的，欣赏的眼光去看对方。
发光并非太阳的专利，你也可以发光。
人总是贪恋未得到的，而遗忘了所拥有的。
如你想要拥有完美无暇的友谊，可能一辈子找不到朋友。
如果你不给自己烦恼，别人也永远不可能给你烦恼。因为你自己的内心，你放不下。
好好的管教你自己，不要管别人。
你什么时候放下，什么时候就没有烦恼。
每一种创伤，都是一种成熟。
根本不必回头去看咒骂你的人是谁，如果有一条疯狗咬你一口，难道你也要趴下去反咬他一口吗？
忌妒别人，不会给自己增加任何的好处。忌妒别人，也不可能减少别人的成就。
得不到的东西，我们会一直以为他是美好的，那是因为你对它了解太少。
这个世间只有圆滑，没有圆满的。
不要刻意去猜测他人的想法，如果你没有智慧与经验的正确判断，通常都会有错误的。
你要感谢告诉你缺点的人。
不要因为小小的争执，远离了你至亲的好友，也不要因为小小的怨恨，忘记了别人的大恩。
感谢上苍我所拥有的，感谢上苍我所没有的。
当你手中抓住一件东西不放时，你只能拥有这件东西，如果你肯放手，你就有机会选择别的。人的心若死执自己的观念，不肯放下，那么他的智慧也只能达到某种程度而已。
如果你能够平平安安的渡过一天，那就是一种福气了。多少人在今天已经见不到明天的太阳，多少人在今天已经成了残废，多少人在今天已经失去了自由，多少人在今天已经家破人亡。
恶口永远不要出自于我们的口中，不管他有多坏，有多恶。你愈骂他，你的心就被污染了.
世界原本就不是属于你，因此你用不着抛弃，要抛弃的是一切的执著。万物皆为我所用，但非我所属。
学会用理解的，欣赏的眼光去看对方。
发光并非太阳的专利，你也可以发光。
人总是贪恋未得到的，而遗忘了所拥有的。
如你想要拥有完美无暇的友谊，可能一辈子找不到朋友。
Thursday, March 19, 2009
累！
最近真的很累，不是身体上的累， 是身心·心灵上的累。
除了在公司忙会计， 忙行政， 忙应付顾客， 忙准备文件， 总之就是忙忙忙。。回到家， 得忙小瓜的事， 一下子要这个， 一下子要那个， 除了冲凉时间， 其他的几个小时就是忙着陪他玩， 还要无时无刻准备回答他的“十万个为什么”， 什么都问得一餐饱的。看似在家休息几个小时， 事实上却是皮雷轰炸了几个小时。。忙啊！忙啊！
幸运地我和老公可以一觉睡到天明， 不幸运的话一晚还得起来好几次。 一觉起来， 又得花心思哄小瓜穿衣上学， 幸运地话10分钟搞定， 不幸地话可以拖半个小时。。。
要烦的事何等这些琐碎事， 还得烦老人家的健康， 还得看他的少许脸色， 更不用说要求他帮我照顾小瓜而让我有些空间处理一些事情。 还要提起戒备， 不得发脾气， 不得冲口而出。。真的有够辛苦的。
做人真的很难， 很辛苦。。自己的事都泥菩萨过江了， 还要管其他的事。 少许有点差错， 有点小差曲就会被人误会， 误解。。我一向我行我素， 要我每一个事情都要报告给人知道， 要解释这个那个， 我真的办不到。 我活在世界上， 不必向谁负责， 也没义务向别人解释那么多。 世上的事情没有绝对公平的。 你觉得值得就做， 不值得就别做。 如果做了又要人看见， 要人表扬， 那么那个是自欺欺人的行为。
从以前到现在， 我都是不屈不挠， 从来不怕什么黑势力。 到现在我也一样。 我们做事要觉得付出是值得的， 我们付出是为大家的， 不是个人主义也不是为了讨好什么人。 当你一二再·再而三被人拒绝你的意见， 想法， 直到自己觉得无地自容， 也渐渐觉得这些付出都不是我想要看到的结果， 那份热诚顺利成章会慢慢削减， 再慢慢消失。 一个不会珍惜不会聆听的领袖让我觉得如果凡事我都依照， 那么显得我很无知， 无能。最后， 我选择沉默， 选择离开。 我还是把重心放在家庭来得好。
从今天起， 我决定不再看别人脸色， 尤其那些不值得我尊敬的人。 希望那些自称出自自愿帮助别人的人， 可以出自真心， 而不是要求什么回报才在演戏。
可能你们看不懂我写什么， 但没关系。 我乱写而已， 我自己看就好了。
除了在公司忙会计， 忙行政， 忙应付顾客， 忙准备文件， 总之就是忙忙忙。。回到家， 得忙小瓜的事， 一下子要这个， 一下子要那个， 除了冲凉时间， 其他的几个小时就是忙着陪他玩， 还要无时无刻准备回答他的“十万个为什么”， 什么都问得一餐饱的。看似在家休息几个小时， 事实上却是皮雷轰炸了几个小时。。忙啊！忙啊！
幸运地我和老公可以一觉睡到天明， 不幸运的话一晚还得起来好几次。 一觉起来， 又得花心思哄小瓜穿衣上学， 幸运地话10分钟搞定， 不幸地话可以拖半个小时。。。
要烦的事何等这些琐碎事， 还得烦老人家的健康， 还得看他的少许脸色， 更不用说要求他帮我照顾小瓜而让我有些空间处理一些事情。 还要提起戒备， 不得发脾气， 不得冲口而出。。真的有够辛苦的。
做人真的很难， 很辛苦。。自己的事都泥菩萨过江了， 还要管其他的事。 少许有点差错， 有点小差曲就会被人误会， 误解。。我一向我行我素， 要我每一个事情都要报告给人知道， 要解释这个那个， 我真的办不到。 我活在世界上， 不必向谁负责， 也没义务向别人解释那么多。 世上的事情没有绝对公平的。 你觉得值得就做， 不值得就别做。 如果做了又要人看见， 要人表扬， 那么那个是自欺欺人的行为。
从以前到现在， 我都是不屈不挠， 从来不怕什么黑势力。 到现在我也一样。 我们做事要觉得付出是值得的， 我们付出是为大家的， 不是个人主义也不是为了讨好什么人。 当你一二再·再而三被人拒绝你的意见， 想法， 直到自己觉得无地自容， 也渐渐觉得这些付出都不是我想要看到的结果， 那份热诚顺利成章会慢慢削减， 再慢慢消失。 一个不会珍惜不会聆听的领袖让我觉得如果凡事我都依照， 那么显得我很无知， 无能。最后， 我选择沉默， 选择离开。 我还是把重心放在家庭来得好。
从今天起， 我决定不再看别人脸色， 尤其那些不值得我尊敬的人。 希望那些自称出自自愿帮助别人的人， 可以出自真心， 而不是要求什么回报才在演戏。
可能你们看不懂我写什么， 但没关系。 我乱写而已， 我自己看就好了。
Friday, March 13, 2009
Building Specification & Floor Plans
Building Specifications | |||||
| Structure | : | Reinforced Concrete frame | |||
| Wall | : | Clay brick with plastering | |||
| Roofing tiles | : | Cement Roofing Tiles | |||
| Roof Timber | : | Mixed Hardwood | |||
| Ceiling | : | Ground Floor | - Reinforced Concrete Slab with Skim Coat | ||
| Lounge & Dining Only | - Reinforced Concrete Slab with Skim Coat c/w plaster | ||||
| cornice to edge. | |||||
| First Floor | - Asbestos free ceiling of approved type. | ||||
| Windows | : | Powder Coated Aluminium Frame Casement/Top hung/Fixed panel with tinted glass/ Frosted glass. | |||
| Metal frame with fixed louvers frosted glass / Casement window. | |||||
| Doors | : | Front Door | - Metal frame with double leaf door | ||
| Kitchen & Bedroom 4 | - Powder Coated Aluminium Frame Sliding door with tinted glass. | ||||
| Bath/WC | - PVC door | ||||
| | Corner with Terrace only | - Powder Coated Aluminium frame sliding door with tinted glass. | |||
| | Others | - Single leaf door. | |||
| Locks | : | Approved cylindrical lock | | ||
| Flooring | : | Lounge & Dining - 24"x24" Polish Homogeneous glazed tiles. | |||
| Master Bedroom, Family Hall, Bedroom 2 & 3 - Laminated Wood Flooring. | |||||
| Bedroom 4, Wet & Dry Kitchen, Bath/WC 1, 2, and 3 - Ceramic tiles. | |||||
| Balcony, Staircase, Car Porch - Homogeneous tiles. | |||||
| Others - Cement render | |||||
| Wall Finishes | : | Bath/WC 1, 2, and 3 - 7' high ceramic tiles. | |||
| Dry and wet kitchen - Full Height Ceramic tiles. | |||||
| Others - Emulsion Paint. | |||||
| Sanitary Installation | : | Single bowl aluminium kitchen sink | - 2 nos. | ||
| Sitting w.c | - 3 nos | ||||
| Wash Basin | - 3 nos | ||||
| Shower Point | - 3 nos | ||||
| 250 gallons HDPE water tank | - 1 nos | ||||
| Tap point | - 3 nos | ||||
| Electrical Installation | Lighting point | - 18 nos | |||
| 13 amp Power point | - 13 nos | ||||
| Ceiling fan point | - 7 nos | ||||
| Telephone point | - 2 nos | ||||
| Internet point | - 1 no | ||||
| A/C point with piping | - 3 nos | ||||
| TV point | - 1 no | ||||
| Astro point | - 1 no | ||||
| Water heater point with piping | - 2 nos | ||||
| Door bell point | - 1 no | ||||
| Automatic gate point | - 1 no | ||||
| Alarm points | |||||
| Fencing | : | Front & Side -Brick wall with M.S Grilles with 2 light point only at Car Porch Column | |||
| Back - 5 'ht Chain link fencing. | |||||
| Windows Grill | : | Openable M.S Grill to bedroom 2 only | |||
Tuesday, March 10, 2009
My dream house
I have recently purchased another property at Melaka under
the Development namely "Peninsula Park" 古旺湾。
This is my 3rd property, I just recalled that I purchased my 1st Property when I am 21st years old, 2nd Property when I am 24 years old and the 3rd property at the age of 27 years old. Every 3 years I succeed something new in my life.
Own a Double Storey House is my dream since I am young. I never expected that I can archive this dream below 40 years old. I really happy and excited but in the other hand I in worries too as too many commitment for me already. ha ha!
Let's me describe some about this property. The said Property is a 24" x 70" Terrace House, leasehold 99 years. The Developer is Sinmah Developments Sdn Bhd, a member of Farm's Best Bhd. The building specification is the one attractive me to decide to purchase this property. The living hall and dining hall all provided the 24"x24" homogeneous tiles. There is a door to split the wet and dry kitchen. The 4th bedroom is provided a sliding door which attach to the back yard of the house and there is a small field just beside the room. The tiles for wet and dry kitchen is full height and there is a cornice been provided too.
For family hall at 1st floor, master bedroom, 2nd and 3rd bedrooms all provided the laminated wood flooring. The family
hall and master bedroom is huge and the master bedroom is provided with a space for changing cloths as well as can use as a cloth storage and no need any cupboard. There is a big size balcony with homogeneous tiles and cornice too. When you step out to the balcony, you will enjoying the 
fresh air and the windy from the riverside. There is a open field with playground and jogging track just in front of my unit.The car porch is provided with tiles and cornice as well. Its estimated can park at least 2 cars and also can be use for gardening and planting as there is a mini field provided at the side there.
With two new bridges being built at a cost of RM 5 mil, travel time will be shorten to 5 minutes instead of the usual 20 minutes to the town link to this residential area. The Peninsula Park is actually bound by two rivers, the residents can catch spectacular sunrises, glorious sunsets, read, write, paint or merely dream. There is a recreational facilities such as children's playgrounds, shade trees and 2km jogging track to be use by the residents.
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