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Wednesday, 8 June 2011

Skim Rumah Pertamaku - I LOIKE! But where?

The government has done well with the Skim Rumah Pertamaku. Kudos! To all yang dah kawin, or about to be married, this scheme is really a welcoming one.. Especially for those yang memang dah lame berhajat nak beli rumah tapi tak gak termampu because of the ridiculously high living expenses in KL ni. 

Bukan taknak beli rumah, siape yang nak dok menyewa je kan? Every month kluar duit, but at the end of the day, the house is not ours. How sad. But try saving up and with meager salaries, i betcha, it'll take many many many years or sometimes never to get a place of your own. 
Try calculating this;  

Mase grad gaji tak seberape. Mane nak bayar duit kereta, duit sewa rumah, duit minyak, duit makan etc. Tu belum lagi nak bayar study loan (sampai skang aku tak bayar smp dah kene blacklisted by PTPTN). So sigh.. Macam ni nak saving? Memang tak lah jawabnyer.. Nak nafas pun tercunggap-cunggap. Then, maybe after a coupla years, dapat lah better paying job. Ingat better income, better life, tapi semua payments rotate. So starts the vicious cycle. To add to that, dah nak kawin pulak... 
So, that's a rough picture of what it takes to be a city dweller living on fishmonger's paycheck. Skarang ni, with this scheme, leh lah merase kan? At least bayar bulan2 pun akhirnya, the title to the deed is on our name. Tak ker best? 

As all other schemes in the world, there is the pros and cons. See it this way, the scheme gets you something you dream of albeit the many things not so pretty.

PROs
1. Get to buy your own home
2. 100% loan applicable

CONs
1. House must not be more than RM220,000
2. Single borrower earning not more than RM3k/month
3. Try searching for a house in Klang Valley priced RM220,000 or lower. It's next to impossible.  

Extract from The Edge (17/03/11)

In the Klang Valley nowadays, it is hard to find a property priced within the RM100,000 to RM220,000 range. While there are some developers with such offerings, the units could be very limited in numbers. The high demand for such properties often result in the units being fully booked or sold out within a short period.

LBS Bina Group Bhd (LBS) offers affordable housing within the RM100,000 to RM220,000 price range in Selangor. Below are some of the company’s projects that have been completed and available for sale:

1. Taman Pinggiran Putra (Seri Kembangan, Selangor) — Putra Ria Apartment, price from RM88,000, built-up area from 752 to 1,031 sq ft.

2. Kota Perdana (Seri Kembangan, Selangor) — Kota Impian Apartment, price from RM75,000, built-up 774 sq ft.

3. Taman Bukit Serdang (Seri Kembangan, Selangor) — Vista Impiana Apartment, price from RM82,000, built-up 465 sq ft.

4. Taman Tasik Puchong (Puchong, Selangor) — Town Villa, price from RM176,607 (Phase 1) and RM181,257 (Phase 2), built-up from 996 to 1,075 sq ft.

5. Bandar Saujana Putra (Puchong, Selangor) — Iris Garden 2, single-storey terrace, price from RM213,807 to RM279,093, built-up from 968 to 1,139 sq ft.

YNH Property Bhd (YNH) has several projects which fall under the RM100,000 to RM220,000 price range, but they are in Perak:

1. Manjung Point Township (Seri Manjung, Perak) — Link houses, price RM150,000 (single-storey) and RM200,000 (double-storey).

2. Taman Selamat (Sitiawan, Perak) — Single-storey and semi-detached houses, price from RM83,800 to RM135,800, built-up from 1,400 to 2,800 sq ft.

3. Taman Biru (Perak) — Single-storey terrace and semi-detached houses, price from RM85,800 (terrace) and RM138,800 (semi-detached), built-up from 1,400 to 2,800 sq ft.

4.Taman Berjaya (Ipoh, Perak) — Single-storey semi-detached and terrace houses, price from RM167,613 to RM191,562 (semi-detached) and RM87,158 to RM121,836 (terrace).

Hua Yang Bhd offers some affordable properties which qualify for the My First Home Scheme, among others:

1. Symphony Heights (Selayang, Selangor) — Condominium, price from RM163,400, built-up 950 sq ft.

2. Bandar Universiti Seri Iskandar (Seri Iskandar, Perak) — Gardenia 2 double-storey terrace houses, price from RM173,800 to RM232,972, built-up 1,560 sq ft.

3. Bandar Universiti Seri Iskandar (Seri Iskandar, Perak) — Kesuma 4 double-storey link houses, price from RM183,800 to RM259,494, built-up 1,540 sq ft.

4. Taman Pulai Indah (Johor Bahru, Johor) — Begonia double-storey terrace houses, price from RM187,680, built-up area 1,430 sq ft.

Source
http://www.theedgemalaysia.com/in-the-financial-daily/183507-houses-under-rm220000.html

So skang Mr Hubby and me teramatlah happy with this news, tp ade gak reservations as to where lah kan? Haish.. I'd love to be back in Shah Alam, but the prices are crazy! InsyaAllah... One day..

xoxo
sheena the hopeful lola

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