Menu

Month: May 2019

Apa Yang Perlu Anda Buat Apabila Ingin Beli Rumah Pertama

0 Comment

1. Meminjam loan

Apabila ingin membeli sebuah rumah, anda perlu tahu bagaimana untuk meminjam loan. Terdapat beberapa jenis loan yang anda boleh pinjam.

2. Pinjaman peribadi

Apabila beli rumah pertama, penting untuk mengetahui bahawa terdapat banyak jenis pinjaman. Pinjaman peribadi adalah salah satu daripada mereka. Ini adalah jenis pinjaman yang diberikan oleh bank untuk kegunaan peribadi, keluarga atau rumah tangga.

Dalam kes pinjaman perumahan, ia dikategorikan sebagai penggunaan peribadi. Ini berbeza dengan pinjaman perniagaan atau komersial kerana tujuan pinjaman berbeza. Terdapat banyak jenis bank yang berbeza yang menawarkan pinjaman peribadi, tetapi dengan pembayaran balik kadar faedah yang berlainan.

Sebagai contoh, RHB Easy mempunyai kadar faedah sebanyak 11.66% manakala Maybank mempunyai kadar faedah 7.00%.

 beli rumah pertama

3. Pinjaman Islamik

Pinjaman Islamik adalah pinjaman tanpa faedah. Ia berbeza dengan pinjaman konvensional yang lain kerana ia tidak menerima pembayaran atau penerimaan faedah.

Bagaimanapun, keseluruhan urusniaga ketika meminjam dari bank Islam akan menjadi lebih kompleks. Bagaimanakah ia berfungsi ialah bank akan menjadi ‘rakan kongsi’ dengan peminjam untuk memiliki aset tertentu.

Kemudian, peminjam akan secara beransur-ansur membeli saham pemilikan bank melalui bayaran sehingga pinjaman diselesaikan. Untuk memasukkan kata-kata mudah, anda dapat melihat pinjaman perumahan Islamik sebagai sesuatu bentuk perkongsian jangka pendek dengan bank.

 pinjaman peribadi islamik

4. Pinjaman KWSP

Pinjaman KWSP adalah sejenis pinjaman yang lebih disesuaikan dengan rakyat Malaysia. Di Malaysia, sebenarnya terdapat ramai orang mengetahui cara pengeluaran kwsp untuk beli rumah.

Sebaliknya pinjaman, ia boleh dilihat sebagai akaun simpanan di mana orang boleh mengeluarkan wang mereka untuk digunakan. Setiap pekerja dewasa di Malaysia sepatutnya mempunyai satu akaun KWSP supaya gaji bulanan mereka ditolak dengan sesuatu jumlah tertentu untuk dimasukkan ke dalam simpanan KWSP ini untuk digunakan pada masa depan.

Wang simpanan ini biasanya digunakan selepas bersara. Walau bagaimanapun, ada yang lebih suka menggunakannya untuk membeli rumah.

Jenis rumah yang boleh dibeli

Terdapat banyak jenis rumah yang boleh anda pilih untuk dibeli. Sebagai contoh, anda mempunyai pilihan pangsapuri atau kondominium jika anda ingin menikmati kemudahan yang hebat atau anda boleh memilih rumah atas tanah seperti banglo, rumah berkembar dan lain jika anda ingin mempunyai lebih banyak ruang di luar rumah atau mempunyai taman di belakang rumah sendiri.

Apabila harga rumah meningkat setiap hari di Malaysia, menjadi semakin mustahil bagi generasi muda untuk membeli rumah sendiri dalam keadaan ekonomi semasa.

Kerajaan menyedari masalah ini dan dengan itu telah berusaha untuk membina lebih banyak rumah mampu milik di Negeri Sembilan untuk membeli masyarakat. Juga, mereka telah membuat pinjaman perumahan lebih mudah untuk memohon supaya membeli sebuah rumah nampaknya tidak rumit.

 cara beli rumah pertama

Tips beli rumah

Terdapat beberapa tips beli rumah pertama atau perkara-perkara untuk dipersiapkan sebelum membeli rumah. Sebaliknya daripada mencari nasihat mengenai rumah yang anda ingin beli, anda perlu menilai kemampuan anda membeli rumah.

Dengan mengetahui kebolehan anda untuk membeli rumah, ia akan menyelamatkan anda dari jatuh ke dalam hutang yang besar. Pepatah berjalan sebagai ‘jangan menggigit lebih banyak daripada yang anda boleh mengunyah’. Sudah tentu, anda perlu mula menjimat wang untuk beli rumah berdasarkan sasaran atau matlamat tertentu.

Anda kemudiannya dapat mengetahui jenis rumah yang anda mampu berdasarkan jumlah yang telah anda simpan. Terakhir dan yang paling penting ialah anda perlu memastikan bahawa laporan CCRIS anda lengkap kerana ia diperlukan untuk memohon pinjaman.

Bank akan meluluskan atau menolak pinjaman anda berdasarkan laporan CCRIS anda kerana ia menyatakan sama ada anda membayar pinjaman anda pada masa yang tetap atau tidak. Jadi pastikan anda membayar pinjaman anda tepat pada waktunya.

Perkara besar yang perlu anda ketahui ketika membeli rumah adalah cara kira loan rumah berdasarkan jenis rumah yang anda ingin membeli. Pada zaman dahulu, pengiraan loan ini hanya boleh dilakukan secara manual. Manakala pada zaman ini, orang ramai boleh mengira menggunakan kalkulator loan rumah yang sangat membantu.

Guo Da Li Malaysia – The Differences of Chinese and Western Wedding

0 Comment

As the old saying goes: marriage is the most important matter in every women ‘s life.

Thus, so goes the same with the wedding ceremony.

However, different countries have different wedding ceremonies because of the culture difference.

 过 大礼 马来西亚

On the other hand, the western wedding ceremony is terrific and romantic.

While the Chinese wedding ceremony is unique and traditional with the classic Chinese Qun Kwa in Malaysia.

In a simple comparison, the western wedding is much more simple compared to Chinese wedding that is complex with the strict rules and customs.

For whatever reason it is, regardless of Chinese style or western style, you should marry the one you love best and enjoy the beautiful married life.

Chinese Wedding Ceremony

Again, Chinese wedding is different from the West on the wedding.

You even could see at the fashion itself, where Qun Kwa in Malaysia for rent is focusing on the more traditional design of wedding dress in Malaysia.

Indeed, Chinese marriage nowadays is formed, thanks to the cast expanse and long history of Chinese marriage custom and ceremony like Guo Da Li.

 bridal shop in kl

There are numerous practices that are followed In different places, although they all generally adhere to similar guidelines.

In a traditional wedding, the main colours are red.

This is because the colours of red are the representative of the traditional Chinese festivity colours.

This is why it is common for the bride to wear a Chinese wedding dress in red during the wedding days.

In the meeting party, the bridegroom would meet a series of difficulties intentionally set in his path.

Only after coping with these, then he could pass to see his wife-to-be.

On the arrival of the bride at the wedding place, there would be music and firecrackers. Check out Liang Yuan to find out more information about Chinese wedding customs

The entire wedding is presided by the master of ceremonies.

In his command, the bride would be led along the red carpet in a festive atmosphere.

The Modern Changes of Chinese Wedding

The western is much simpler without any specific taboo and customs that need to adhere.

Thus, many of the young Chinese couples decide to hold the western wedding theme, that appears to be more romantic and creative.

 wedding dress malaysia

Some of the young couples also prefer to hold the fusion style between the Chinese and western style for their wedding photos.

For instance, the couple first will go for Chinese wedding shop to get the Chinese wedding dress set for the Chinese wedding theme.

Then, the couple will switch to another place on the other day for the western theme wedding photo shooting.

Western Wedding Ceremony

The western wedding is much more romantic type from start to the end.

In western countries, there are some essential steps that occur within the wedding culture.

It is unlike with the Chinese wedding, where you have to go after the Chinese wedding accessories shop in Kuala Lumpur for the customs purposes.

In the western, if the men in love and want to get married to the woman, he must first come up with the proposal to the groom’s family by the bride’s side.

When proposing, the groom’s family should bestow the betrothal ring to the bride’s side.

For the dress code of western wedding is totally different from the Chinese wedding as well.

The bride is usually will be dressed in white while the groom is in a black dress so that the whole wedding was the solemn seriousness.

Meanwhile, the clothing suit you wear should be official form the bridal shop in KL.

For the female guest, it is more appropriate to put up with the cocktail formal party clothes either the long shirt with the holiday coat or the woollen sweater.

3 Excellent Ideas for a Best Romantic Dinner in KL

0 Comment

Do you prepare to produce an unforgettable best romantic dinner in KL with your sweetie like you regularly see in the movie? Many of us would undoubtedly have neglected what a super day is all regarding nowadays.

 best romantic dinner in kl

They stated that love commonly would gradually fading out when a pair is an on a specific degree of convenience with each other, in spite of you are merely beginning as a brand-new pair or have been with each other for several years.

Romantic dates regularly play a significant component romance and also love as the romantic date can bring each other close and even flavouring the love that will undoubtedly attract you a lot more closely.

If you can have an unforgettable as well as an enchanting dinner date with a person that dear to you, any location would undoubtedly be the best place for candlelight dinner as long you can treasure this joyous minute with your enjoyed ones.

A pleasant dinner date is everything about love. Below are the suggestions to create the best enchanting dinner that will undoubtedly be kept in mind just by both of you.

1. Charming Dinner Date at Restaurant

Having elegant dining at a luxury restaurant that accompanies with the candlelight always become the popular concept for any couple to delight in their very own globe of love. Take your sweetie to the top western dining restaurant that might make both of you glimpse against each other world. Click here to find out more.

They claimed wonderful foods with a glass of red wine are an incredible aphrodisiac. Take your sweetie to someplace phenomenal like 5 star- premium dining restaurant in Kuala Lumpur that offered the best Wagyu beef in Kuala Lumpur that able to thrill your sweetie with the beautiful and also majesty dinner date.

 romantic dinner kuala lumpur

It might be a common suggestion if you choose the excellent dining restaurant with a terrific atmosphere under the charming candlelight, this undoubtedly will produce a valuable memory for both of you.

2. Candlelight Dinner at the Yard

Even though the dining restaurant has the candle lights on the table, it does not imply you need to appreciate your day there. Treat your day by developing a picturesque candlelit dinner at the yard.

Occasionally, there is absolutely nothing, even more, relaxing and delighting in great enchanting dinner while daydreaming in the yard. Produce your very own special heaven by having a fantastic dinner date that surrounds by the trees.

Attempt to embellish your yard by hanging a string of lights or lantern around the trees will undoubtedly include a touch of improvement. The romantic-feel and also cosy feel, with a couple of the Merlot that works out for any dates and create a naturally wonderful feeling for maximum romantic impact.

 romantic dining in kl

3. Dinner in the House

Entirely nothing is as intimate as the candlelight supper at residence if your day favours a spontaneity supper. It’s the moment to change your home right into a centre for love. Enhance the eating location with flower, bring added component by playing some charming songs that undoubtedly mixes well with the beautiful state of mind.

Who claimed that the best dinner must be at the steakhouse in KL? Do not ignore the power of home-meal as it shows your genuineness as well as interest in producing an enchanting day.

An enchanting dinner date could be a deluxe, amusing and even unique. However, as long as both of you might value each other firmly in the cosy radiance of love on an enjoyable evening, that is more than enough!