Properties: Vision Home Semi-D (450k, 100% loan)

No. Details Amount Remark

1 Purchase price 245,000.00

2 SPA Price 300,000.00

3 Loan amount (70%) 210,000.00 70% loan

4 Topup/extra amount (1-3) 35,000.00

- Before SNP
5 Earnest deposit/booking (3.18%) 7,791.00 - Pay to agency account

- Just after SNP signed

- Pay to SNP lawyer
Boleh request utk bayar masa full
settlement (with owner
6 Balance deposit (4-5) (6.82%) 16,709.00 permission)

7 Balance purchase price (1-4-5) 220,500.00

- Estimate only
-- Pay
Freeafter title
for 1st transferred/bagi
home purchase &
kunci
below 500k
8 Lawyer fees (SNP) 4,500.00 -- Estimate only
- Pay to &
LPPSA lawyer
some(some lawyer can
bank covered in
9 Stamping Duty for MOT - their
advanced
loan their money)
10 Lawyer fees (Loan) 4,500.00 - JPPH (LLPSA) FOC
11 Valuer/JPPH - -- Estimate
Valuer bank
onlycost
(forRM1k-2k
31yrs female)
12 MRTT & LTHO 20,000.00 - Covered in loan

Total amount loan (3+10+11+12) 234,500.00

a Amount not covered in purchase (8+9) 4,500.00 Lawyer fees (SNP) can be paid at
b Cash needed (5+6+8+9) 29,000.00 the
Can end
be used to pay lawyer fees &
c Cashback (3-7) - 10,500.00 stamping
d Cash needed after cashback (b-c) 39,500.00 (4+8+9)

Interest rate 4.00 Interest can be range

years (Maximum until3.8%-4.6%
35years or
Tenure 35.00 70years old, whichever lower)

Installment 2,107.61

*Anggaran Sahaja*
 Stamping Duty
PRICE TIER STAMP DUTY on SPA & MOT (% of
property price)

First RM100,000 1%

Next 400,000 (RM101,000 – 2%

RM500,000)

The following amount up to RM1 3%

million(RM500,001 – RM 1 million)

Thereafter (> RM 1 million) 4%

1st RM100,000 100,000.00 1,000.00

Next RM400,000 400,000.00 8,000.00

Next RM150,000 -
Total 500,000.00 9,000.00

3500

2100
1400
 440000

396000 - 151,000.00 ###

- 156,000.00

423000
Properties: Taman Desa Melor, Senawang 245K (SPA 300K 70% loan)
No. Details Amount Remark

1 Purchase price 245,000.00

2 SPA Price 300,000.00

3 Loan amount (70%) 210,000.00 70% loan

4 Topup/extra amount (1-3) 35,000.00 Topup

- Before SPA
5 Earnest deposit/booking (3.18%) 7,791.00 - Pay to agency account

- Just after SPA signed

- Pay to SPA lawyer
Boleh request utk bayar masa full
6 Balance deposit (4-5) (6.82%) 16,709.00 settlement (with owner permission)

7 Balance purchase price (1-4-5) 220,500.00

- Estimate only
- Pay after title transferred/bagi kunci
8 Lawyer fees (SPA) 5,000.00

- Free for 1st home purchase & below

500k
- 75% discount for 1st home purchase &
500k - 1M (new annoucement by PMX,
belum warta)
9 Stamping Duty for MOT 5,000.00 - Pay to LHDN through Lawyer
- Estimate only
- LPPSA & some bank covered in their
loan
10 Lawyer fees (Loan) 5,000.00
- JPPH (LLPSA) FOC
11 Valuer/JPPH 2,000.00 - Valuer bank cost RM1k-2k

- Estimate only for 35 years old male

12 MRTT & LTHO 15,000.00 - Covered in loan

Total amount loan (3+10+11+12) 232,000.00

a Amount not covered in purchase (8+9) 10,000.00 Lawyer fees (SPA) can be paid at the
b Cash needed (5+6+8+9) 34,500.00 end
c Cashback/Topup (3-7) - 10,500.00 Topup
d Cash needed after cashback (b-c) 45,000.00 (4+8+9)

Interest rate 4.00 Interest can be range 3.8%-4.6%

Tenure 35.00 years (Maximum until 35years or

70years old, whichever lower)

Installment 1,027.24

*Anggaran Sahaja*
Stamping Duty for MOT

PRICE TIER STAMP DUTY on SPA & MOT (% of

property price)

First RM100,000 1%

Next 400,000 (RM101,000 – 2%

RM500,000)
The following amount up to
RM1 million(RM500,001 – RM 1 3%
million)

Thereafter (> RM 1 million) 4%

1st RM100,000 100,000.00 1,000.00

Next RM400,000 200,000.00 4,000.00

Next RM500,000- 1M -

75%
Totaldiscount for 1st home 300,000.00 5,000.00
purchase & 500k - 1M (new
annoucement by PMX,
belum warta) 25% 1,250.00
 3%
260000 7800 5850
310000 155000 4650 3487.5
250000 125000 3750 2812.5
12150
Properties: No. 1791 Nusari Aman 435K (SPA 480K 90% loan)
No. Details Amount Remark

1 Purchase price 435,000.00

2 SPA Price 480,000.00

3 Loan amount (90%) 432,000.00 90% loan

4 Topup/extra amount (1-3) 3,000.00 Topup

- Before SPA
5 Earnest deposit/booking (3.18%) 13,833.00 - Pay to agency account

- Just after SPA signed

- Pay to SPA lawyer
Boleh request utk bayar masa full
6 Balance deposit (4-5) (6.82%) - settlement (with owner permission)

7 Balance purchase price (1-4-5) 421,167.00

- Estimate only
- Pay 1K for open file, balance after title
transferred
- Can use cashback to pay
8 Lawyer fees (SPA) 7,100.00

- Free for 1st home purchase & below

500k
- 75% discount for 1st home purchase &
500k - 1M (new annoucement by PMX,
belum warta)
9 Stamping Duty for MOT - - Pay to LHDN through Lawyer
- Estimate only
- LPPSA & some bank covered in their
loan
10 Lawyer fees (Loan) 7,300.00
- JPPH (LLPSA) FOC
- Some bank covered in their loan
11 Valuer/JPPH 2,000.00 - Valuer bank cost RM1k-2k

- Estimate only for 33 years old male

12 MRTT & LTHO 25,000.00 - Covered in loan

Total amount loan (3+10+11+12) 466,300.00

a Amount not covered in purchase (8+9) 7,100.00
Lawyer fees (SPA) can be paid at the
b Cash needed (5+6+8+9) 20,933.00 end
c Cashback/Topup (3-7) 10,833.00 Cashback
d Cash needed after cashback (b-c) 10,100.00 (4+8+9)

Interest rate 4.20 Interest can be range 3.8%-4.6%

Tenure 35.00 years (Maximum until 35years or

70years old, whichever lower)

Installment 2,120.97

*Anggaran Sahaja*
Properties: College Height 372K (SPA 420K 90% loan)
No. Details Amount Remark

1 Purchase price 372,000.00

2 SPA Price 420,000.00

3 Loan amount (90%) 378,000.00 90% loan

4 Topup/extra amount (1-3) - 6,000.00 Extra

- Before SPA
5 Earnest deposit/booking (3.18%) 11,829.60 - Pay to agency account

- Just after SPA signed

- Pay to SPA lawyer
Boleh request utk bayar masa full
6 Balance deposit (4-5) (6.82%) - settlement (with owner permission)

7 Balance purchase price (1-4-5) 360,170.40

- Estimate only
- Pay after title transferred/bagi kunci
8 Lawyer fees (SPA) 7,750.00

- Free for 1st home purchase & below

500k
- 75% discount for 1st home purchase &
500k - 1M (new annoucement by PMX,
belum warta)
9 Stamping Duty for MOT - - Pay to LHDN through Lawyer
- Estimate only
- LPPSA & most bank covered in their
loan
10 Lawyer fees (Loan) 8,750.00
- JPPH (LLPSA) FOC
11 Valuer/JPPH 2,000.00 - Valuer bank cost RM1k-2k

- Estimate only
12 MRTT & LTHO 10,000.00 - Covered in loan

Total amount loan (3+10+11+12) 398,750.00

a Amount not covered in purchase (8+9)
b Cash needed (5+6+8+9)
c Cashback/Topup (3-7)
d Final Cashback (c-a)
e Cash needed after cashback (b-c)
7,750.00
19,579.60 Booking + Lawyer fees
Cashback masa last nanti (termasuk
17,829.60 cashback duit booking)
10,079.60 Cashback C - lawyer fees
1,750.00 (4+8+9)

Interest rate 4.30 Interest can be range 3.8%-4.6%

Tenure 32.00 years (Maximum until 35years or

70years old, whichever lower)

Installment 1,913.33

*Anggaran Sahaja*
Properties: College Height 372K (SPA 420K 90% loan)
No. Details Amount Remark

1 Purchase price 372,000.00

2 SPA Price 410,000.00

3 Loan amount (90%) 369,000.00 90% loan

4 Topup/extra amount (1-3) 3,000.00 Extra

- Before SPA
5 Earnest deposit/booking (3.18%) 11,829.60 - Pay to agency account

- Just after SPA signed

- Pay to SPA lawyer
Boleh request utk bayar masa full
6 Balance deposit (4-5) (6.82%) - settlement (with owner permission)

7 Balance purchase price (1-4-5) 360,170.40

- Estimate only
- Pay after title transferred/bagi kunci
8 Lawyer fees (SPA) 7,625.00

- Free for 1st home purchase & below

500k
- 75% discount for 1st home purchase &
500k - 1M (new annoucement by PMX,
belum warta)
9 Stamping Duty for MOT - - Pay to LHDN through Lawyer
- Estimate only
- LPPSA & most bank covered in their
loan
10 Lawyer fees (Loan) 8,625.00
- JPPH (LLPSA) FOC
11 Valuer/JPPH 2,000.00 - Valuer bank cost RM1k-2k

- Estimate only
12 MRTT & LTHO 10,000.00 - Covered in loan

Total amount loan (3+10+11+12) 389,625.00

a Amount not covered in purchase (8+9)
b Cash needed (5+6+8+9)
c Cashback/Topup (3-7)
d Final Cashback (c-a)
e Cash needed after cashback (b-c)
7,625.00
19,454.60 Booking + Lawyer fees
Cashback masa last nanti (termasuk
8,829.60 cashback duit booking)
1,204.60 Cashback C - lawyer fees
10,625.00 (4+8+9)

Interest rate 4.30 Interest can be range 3.8%-4.6%

Tenure 32.00 years (Maximum until 35years or

70years old, whichever lower)

Installment 1,869.54

*Anggaran Sahaja*
Properties: College Height 372K (SPA 420K 90% loan)
No. Details Amount Remark

1 Purchase price 372,000.00

2 SPA Price 405,000.00

3 Loan amount (90%) 364,500.00 90% loan

4 Topup/extra amount (1-3) 7,500.00 Extra

- Before SPA
5 Earnest deposit/booking (3.18%) 11,829.60 - Pay to agency account

- Just after SPA signed

- Pay to SPA lawyer
Boleh request utk bayar masa full
6 Balance deposit (4-5) (6.82%) - settlement (with owner permission)

7 Balance purchase price (1-4-5) 360,170.40

- Estimate only
- Pay after title transferred/bagi kunci
8 Lawyer fees (SPA) 7,562.50

- Free for 1st home purchase & below

500k
- 75% discount for 1st home purchase &
500k - 1M (new annoucement by PMX,
belum warta)
9 Stamping Duty for MOT - - Pay to LHDN through Lawyer
- Estimate only
- LPPSA & most bank covered in their
loan
10 Lawyer fees (Loan) 8,562.50
- JPPH (LLPSA) FOC
11 Valuer/JPPH 2,000.00 - Valuer bank cost RM1k-2k

- Estimate only
12 MRTT & LTHO 10,000.00 - Covered in loan

Total amount loan (3+10+11+12) 385,062.50

a Amount not covered in purchase (8+9)
b Cash needed (5+6+8+9)
c Cashback/Topup (3-7)
d Final Cashback (c-a)
e Cash needed after cashback (b-c)
7,562.50
19,392.10 Booking + Lawyer fees
Cashback masa last nanti (termasuk
4,329.60 cashback duit booking)
- 3,232.90 Cashback C - lawyer fees
15,062.50 (4+8+9)

Interest rate 4.30 Interest can be range 3.8%-4.6%

Tenure 32.00 years (Maximum until 35years or

70years old, whichever lower)

Installment 1,847.65

*Anggaran Sahaja*
Option 1
Item Amount Remark
Harga rumah 372,000.00
Booking/Deposit 1,000.00
Balance Deposit 15,000.00
Baki harga rumah 356,000.00

Loan 378,000.00 90% x 420k 420000

Extra 22,000.00 90%

Lawyer fees 8,188.00

Baki duit 13,812.00
Installment 1,913.33 Anggaran

Option 3
Item Amount Remark
Harga rumah 372,000.00
Booking/Deposit 1,000.00
Balance Deposit 15,000.00
Baki harga rumah 356,000.00

Loan 364,500.00 90% x 405k 405000

Extra 8,500.00 90%

Lawyer fees 7,562.50 Anggaran

Baki duit 937.50 Extra
Installment 1,847.65 Anggaran

Option 2
Item Amount Remark
Harga rumah 372,000.00
Booking/Deposit 1,000.00
Balance Deposit 15,000.00
Baki harga rumah 356,000.00

Loan 369,000.00 90% x 410k 410000

Extra 13,000.00 90%

Lawyer fees 7,625.00 Anggaran

Baki duit 5,375.00 Extra
Installment 1,869.54 Anggaran
Harga rumah 372,000.00
Booking/Deposit 3.18% 11,829.60
Balance Deposit 6.82% 25,370.40
Option 1
No. Item Amount Remark
1 Harga rumah 680,000.00
2 Booking/Deposit 1,000.00
3 Balance Deposit -
4 Baki harga rumah 679,000.00

5 Loan 680,000.00 100% SPA Price

6 Extra 1,000.00

7 Lawyer fees (SPA) 11,300.00 Anggaran

8 Stamping duty MOT 14,400.00
9 Total Legal fees 25,700.00

10 Cashback/Cash needed - 24,700.00 Cash needed

11 Lawyer loan 12,000.00 Anggaran (include dlm loan)

12 MRTT & LTHO 43,000.00 Include dalam loan
13 Total loan 735,000.00 5+11+12
14 Installment 3,254.39 Anggaran sahaja

Option 2
No. Item Amount Remark
1 Harga rumah 680,000.00
2 Booking/Deposit 1,000.00
3 Balance Deposit -
4 Baki harga rumah 679,000.00

5 Loan 700,000.00 100% SPA Price

6 Extra 21,000.00

7 Lawyer fees (SPA) 11,550.00 Anggaran

8 Stamping duty MOT 15,000.00
9 Total Legal fees 26,550.00

10 Cashback/Cash needed - 5,550.00 Cash needed

11 Lawyer loan 12,250.00 Anggaran (include dlm loan)

12 MRTT & LTHO 44,000.00 Include dalam loan
13 Total loan 756,250.00 5+11+12
14 Installment 3,348.48 Anggaran sahaja
Option 1
No. Item Amount Remark
1 Harga rumah 683,000.00
2 Booking/Deposit 1,000.00
3 Balance Deposit -
4 Baki harga rumah 682,000.00

5 Loan 683,000.00 100% SPA Price

6 Extra 1,000.00

7 Lawyer fees (SPA) 11,337.50 Anggaran

8 Stamping duty MOT 14,490.00
9 Total Legal fees 25,827.50

10 Cashback/Cash needed - 24,827.50 Cash needed

11 Lawyer loan 12,037.50 Anggaran (include dlm loan)

12 MRTT & LTHO 43,000.00 Include dalam loan
13 Total loan 738,037.50 5+11+12
14 Installment 3,254.39 Anggaran sahaja

Option 2
No. Item Amount Remark
1 Harga rumah 680,000.00
2 Booking/Deposit 1,000.00
3 Balance Deposit -
4 Baki harga rumah 679,000.00

5 Loan 700,000.00 100% SPA Price

6 Extra 21,000.00

7 Lawyer fees (SPA) 11,550.00 Anggaran

8 Stamping duty MOT 15,000.00
9 Total Legal fees 26,550.00

10 Cashback/Cash needed - 5,550.00 Cash needed

11 Lawyer loan 12,250.00 Anggaran (include dlm loan)

12 MRTT & LTHO 44,000.00 Include dalam loan
13 Total loan 756,250.00 5+11+12
14 Installment 3,348.48 Anggaran sahaja
Cempaka Seri 2 (RM383K)
No. Item Amount Remark
1 Harga rumah 383,000.00
2 Booking/Deposit 500.00
3 Balance Deposit -
4 Baki harga rumah 382,500.00

5 SPA Price/Markup price 450,000.00

6 Loan 450,000.00 100% SPA Price
7 Cashback loan (6-4) 67,500.00

8 Lawyer fees (SPA) 9,125.00 Anggaran

9 Stamping duty (MOT) 8,000.00
10 Total Legal fees 17,125.00

11 Balance Cashback (7-10) 50,375.00 Anggaran

12 Lawyer loan 11,425.00 Anggaran (include dlm loan)

- Great Eastern
- Anggaran (include dlm
13 MRTT & LTHO 47,500.00 loan)
14 Valuer/JPPH - Anggaran (include dlm loan)
15 Total loan 508,925.00 5+11+12+13
16 Installment (4%, 30years) 2,430.10 Anggaran sahaja

Option 2 (Mark up)

No. Item Amount Remark
1 Harga rumah 400,000.00
2 Booking/Deposit 1,000.00
3 Balance Deposit -
4 Baki harga rumah 399,000.00

5 Loan 396,000.00 90% SPA Price (440k)

6 Topup 3,000.00

7 Lawyer fees (SPA) 8,500.00 Anggaran

8 Stamping duty (MOT) 7,800.00
9 Total Legal fees 16,300.00

10 Cashback/Cash needed 20,300.00 Cash needed

11 Lawyer loan 10,000.00 Anggaran (include dlm loan)

12 MRTT & LTHO 20,000.00 Anggaran (include dlm loan)
13 Valuer 1,800.00 Anggaran (include dlm loan)
14 Total loan 427,800.00 5+11+12+13
14 Installment (4.3%, 35years) 1,971.93 Anggaran sahaja
Cempaka Seri 2 (RM360K)
No. Item Amount Remark
1 Harga rumah 360,000.00
2 Booking/Deposit 11,448.00 3.18%
3 Balance Deposit 3,552.00 Total 15K
4 Baki harga rumah 345,000.00

5 SPA Price/Markup price 380,000.00

6 Loan 342,000.00 90% SPA Price
7 Topup (6-4) 3,000.00

8 Lawyer fees (SPA) 8,050.00 Anggaran

9 Stamping duty (MOT)
10 Total Legal fees 8,050.00

11 Cash Needed (7+10) 11,050.00 Anggaran

12 Lawyer loan 10,075.00 Anggaran (include dlm loan)

- Anggaran (include dlm

13 MRTT & LTHO 20,000.00 loan)
14 Valuer/JPPH 2,000.00 Anggaran (include dlm loan)
15 Total loan 374,075.00 5+11+12+13
16 Installment (4%, 30years) 2,430.10 Anggaran sahaja

Option 2 (Mark up)

No. Item Amount Remark
1 Harga rumah 400,000.00
2 Booking/Deposit 1,000.00
3 Balance Deposit -
4 Baki harga rumah 399,000.00

5 Loan 396,000.00 90% SPA Price (440k)

6 Topup 3,000.00

7 Lawyer fees (SPA) 8,500.00 Anggaran

8 Stamping duty (MOT) 7,800.00
9 Total Legal fees 16,300.00

10 Cashback/Cash needed 20,300.00 Cash needed

11 Lawyer loan 10,000.00 Anggaran (include dlm loan)

12 MRTT & LTHO 20,000.00 Anggaran (include dlm loan)
13 Valuer 1,800.00 Anggaran (include dlm loan)
14 Total loan 427,800.00 5+11+12+13
14 Installment (4.3%, 35years) 1,971.93 Anggaran sahaja