Im Getting a House - Loan Approved

Bismillah

Cerita pasal loan rumah.

I dah try apply untuk various bank.

But yang bagi jawapan positif is CIMB.

Yang tak bagi jawapan pun ada juga.

But, for sure, you cannot stop at one.

Kena apply at least 3 banks.

Or same bank but different branch.

Things to get ready is:

1) Copy of your NRIC

2) Copy if your EPF statement

3) Copy of your monthly payslip (3 months)

So bank I tried on are RHB, Bank Rakyat, CIMB.

Bank Rakyat gave negative feedback.

Then RHB, no response.

CIMB, yes, but with some clause I didnt favor.

So how I end up choosing CIMB juga at last?

Gelak jap.

I have to decide, the clock is ticking.

Tapi, the best is, you should try go for more banks.

Jangan just agree with one.

And don't be too quick to satisfy.

Another part is that kena watch out DSR (Debt Service Ration)

Macam mana nak kira DSR sendiri?

Hutang Semasa + Hutang baru / Gaji Bersih x 100

So, sample macam ni:

Hutang Semasa - Kereta RM500 + Credit Card RM250
Total Hutang Semasa - RM750
Tambah akan datang Hutang Rumah - RM530

Gaji Pokok - RM2500
Gaji Bersih - RM2150 (lepas tolak EPF & caruman lain)

Maka,
(RM750 / RM2150) x 100 = 59.53%

DSR is round up to 60%, dan to be fair, (disclaimer)
Bukan semua bank accept high DSR macam ni.
It depends pada bank itu, ada yang 40%, 50%, 60%.
Depends juga pada salary scale you.
Kalau gaji lebih tinggi, tak mustahil DSR boleh jadi lebih tinggi until 70%.
Lain bank lain cara pengiraan mereka.

To be safe, sebelum masuk kan kaki dalam nak buat loan.
Boleh kita sendiri kira kelayakan DSR kita.
Maka, kita pun boleh buat precaution move when necessary.

Sekian.

Aidilfitri 2018

Bismillah

Selamat Hari Raya dari iol dan famili.

Dengan boifren.

 Dengan princess.

Baju anak cantik order online.

Lepas tu seller kata dah hantar, padahal iol x terima pun.

Lepas barang dah sampai, seller terus block iol.

Haih.

Pemergian Yang Ditangisi

Bismillah

11 weeks 2 days.

The time I have with you.

Siapa yang tak happy bila tahu dah pregnant balik.

Obviously I am too happy.

It has been 2 years plus since my firstborn.

So we did expect for another new comer.

Tapi, Allah adalah planner yang paling baik.

30-April-18

First day of Pink Book dengan KKIA and frist scan.

Age: 7 weeks

Dr ada mention, fetus is slightly smaller than age.

Supposed around 5 week 2 days.

Re-scan date provided.

15-May-18

Age: 8 weeks 5 days

Dr mention, unable to appreciate fetus.

Sebab she cannot detect heartbeat.

And again re-scan date provided.

Then, I experience series of spotted.

Sikit-sikit and warna coklat.

Off and on, hari ni ada, esok takda.

Next day macam heavy, following day takda.

Until, few days of heavy brown spot.

Then tiba-tiba ada fresh blood.

I terus refer ke GH.

28-May-18

Age: 11 weeks 2 days

At GH ePAC, Dr scan and inform.

Kantung is no more in good shape.

Its not round, its already bersegi-segi.

And, he confirm, baby dah takda lagi.

He give me date, untuk cuci rahim.

I is sedih gila yang amat.

I cannot say a word, tengok muka hubs terus nangis je.

Sebab, cuma this little time that we have dengan dia.
But I guess Allah dah tulis, its not now.
Sadly, Dr yg deliver news tu for me is kejam.
Dengan situasi emosi I macam tu, dia boleh kata.
Sorry maam, kita tak boleh bagi MC.
Sebab puan takda bleeding teruk.
So, Im robot isit, heartless?

Then the whole day I spent locking myself in room.
Kejap-kejap nangis.
That is the beginning I really understand yg I is sangat susah nak move on.
Although, kita dah dapat series of notification.
But then, all yg I refer to had failed to produce solution.
They only kata, if fresh blood then pergi hospital.
But by then, its already is too late.

31-May-18
Age: -
It was night, I dah tidurkan anak.
After bath, then I experience this series of pain.
Contraction, makin lama makin kuat.
2 3x trip ke toilet, these heavy blood clot come off.
Makin lama makin pekat.
I still ok, masih boleh bergerak.
Until, I dont remember trip keberapa.
I stayed in room.
Screaming inside out.
I just hope I can see it for the last time.
I phoned my hubs, pukul 12:00
I asked him to come home.
But after 1 hour pun dia x sampai lagi.
I phoned him again, dalam hati like serious I nak maki.
Kenapa tak balik lagi.
But I is dah takda kuasa nak cari gaduh that time.
I just said, "balik, baby nak keluar"
Just right around 40 to 50 minutes after.
The last clot come off.
And, its it.
I is dah tak boleh gerak, terus lay down.
On those blood bath, I dont care anymore.
Just the hubs arrived, and dia masuk tengok blood bath tu.
Baru nak nampak muka cuak dia.
He get me a container and I keep the fetus in.
Sempat I hold it for a while, and tengok keadaan dia.
Kecil pada mata kasar, but very big in my heart.
And this small pun I dah macam nak mati.
Agaknya yg miscarriage later in pregnancy tu macam mana lah.

After 30 mins or so, lepas dah abit kuat.
I mula tukar baju, and get some cloth packed in.
We went to GH around 3 plus morning.
Dr buat internal exam, and dia confirm no residual.
Semua dah keluar.
Nurse yg record case tu boleh pulak dia tanya soalan,
Macam mana puan tahu yang ini adalah fetus?
I is tengah brain soalan dia tu.
Misi, this is the solid form I see coming out of me.
And ada plasenta dekat sini, along side dengan fetus.
Then she just said, ok, this will be sent to lab.
If ada anything abnormal, will give you a call.
Then, since no need to stay in.
Dr inject this one med, kata nya utk kecutkan rahim.
So, we head home.

-----

I cuti 10 hari start that Friday, until next Friday.
Panggil tukang urut datang untuk urut.
And get days of rest.
Walaupun sometime, tears akan datang all of sudden.
Out of no where, tiba-tiba.
But insyallah, Ill be better in time.

In loving memory of my unborn.

Im Getting a House - Offer to Purchase

Bismillah.

Actually, around a month pun lepas viewing.

Thanks dekat owner sebab sanggup tunggu kami.

My agent dah datang ke rumah untuk hantar Offer to Purchase (OTP).

I signed them and handed over my 3% earnest deposit cheque.

Next day, my agent dah proses receipt untuk my deposit.

So i is tunggu copy OTP yg owner dah acknowledge.

What to look for in OTP:
1) Clause on your Deposit
- Should be returnable in the case of unable to obtain loan
- Should be returnable if in case owner suddenly x jadi jual

2) Signed by all Owner
- Owners should have signed the form
- Ada proofing dari your agent & Owners' agent

3) Date is correct
- From here, you have 1 month approx to obtain loan

4) Don't make cash payment to owner or Agent

- Everything in/out must be recorded & have proof of transaction

Next, sebulan untuk cari loan.

Phew~ Clock is ticking.